Características
Crédito para todos
Aprende
Planes
Acerca de
Centro de ayuda
Español
Comienza ahora
APY
Construir crédito
Gana cashback
Características
Crédito para todos
Acerca de
Planes
Aprende
Centro de ayuda
Firstcard® Secured Credit Builder Card
Info

Aplica para una Tarjeta de Crédito Asegurada Firstcard en Línea en Minutos

Want the best credit card for beginners? Firstcard is designed to make credit building safe, easy, and stress-free – even for beginners! There’s no hidden fees, no hard credit checks and you can apply online in just a few minutes.
Comienza ahora

Begin your Credit Card Journey

There is a lot you should consider before selecting a credit card for beginners. Your credit score is the most important, though it’s likely you may not have a credit score yet. Once you get a credit card for beginners, factors like payment history, credit utilization, and account age play a significant role in determining your score. Annual Percentage Rate (APR) is also an important factor as many credit cards for beginners have high APRs which can be dangerous. Firstcard is one of the best credit cards for beginners as there is 0% APR. Firstcard also offers in app credit monitoring, and credit reporting to all three major credit bureaus to help ensure beginners build credit quickly and safely.
Apply now

Tipos de tarjetas de crédito para un mal crédito

Tarjetas de crédito aseguradas para mal crédito:

Estas requieren un depósito de seguridad reembolsable (por ejemplo, $200), que actúa como tu límite de crédito. Son ideales para reconstruir el crédito siempre que pagues a tiempo.here.
1

Tarjetas de crédito no aseguradas para mal crédito:

Estas no requieren un depósito, pero a menudo vienen con tarifas más altas, tasas de interés elevadas y límites de crédito más bajos, así que ten cuidado y lee los términos y condiciones.Secured credit cards require an upfront deposit, and often have a higher APR, but are a great way to build your credit. Firstcard’s secured card is a great credit card for beginners as there is 0% APR and no minimum deposit requirement.
2

Tarjetas de crédito de tienda para mal crédito:

Estas son ofrecidas por tiendas y pueden ayudar a construir crédito, pero a menudo tienen tasas de interés altas, límites de crédito bajos y un uso limitado fuera de la tienda.here.
3

Cómo solicitar tarjetas de crédito con un mal crédito

Es posible que tengas más dificultades para que aprueben tu solicitud de tarjeta de crédito si tienes mal crédito, o un puntaje por debajo de 580. Aunque puede que aún no califiques para las mejores tarjetas de crédito del mercado, aún puedes obtener una tarjeta de crédito adecuada para tu perfil crediticio. Aquí hay algunos pasos que puedes seguir para solicitar tarjetas de crédito con mal crédito.
Secured Credit CardsAverigua tu puntaje crediticio y verifica si hay errores que puedan afectar la aprobación.These cards are ideal for beginners who want to build credit without the risk of overspending.
Unsecured Credit Cards are usually not the best option for beginners, as they often come with higher fees and interest rates. Unlike secured cards, traditional unsecured cards extend a credit line where your credit limit is determined by your creditworthiness.
Credit Builder Cards are great credit cards for beginners, as they prioritize credit reporting and responsible usage. The Firstcard® Secured Credit Builder Card reports responsible usage to all three major credit bureaus and offers rewards like APY and cashback. These rewards set it apart from most other credit builder cards.

Use your Beginner Credit Card RESPONSIBLY

It’s important to use your credit card for beginners responsibly in order to build credit and avoid credit card debt. Factors like, on time payments, paying your balance in full, and keeping your credit utilization ratio low,  indicate responsible credit usage.

With the Firstcard® Secured Credit Builder Card, you’ll never have to worry about hurting your credit utilization ratio since you get to determine your credit limit each month. This makes Firstcard unique and an excellent credit card for beginners who want the flexibility to alter their credit limit each month without penalty.
Apply now
No items found.

Apply for a beginner credit card

Without good credit or credit history, getting a credit card for beginners may seem out of reach. Firstcard aims to remove this hurdle by pre-approving users that apply online and submit the required documentation. Here are some tips for easy approval:

Research Credit Cards For Beginners:

Before applying, make sure to do adequate research into which credit card for beginners is best for you. Take into consideration your ideal credit limit, APR, APY, and other rewards before coming to a decision.
1

Check Your Eligibility:

Most credit cards for beginners require you to be 18 years of age or older in order to open an account. Many credit cards for beginners also require SSN for approval. If you do not have an SSN, Firstcard is a great choice as no SSN is needed for approval!
1

Gather Necessary Documents:

You may be asked to provide: proof of income, Social Security Number (SSN) and/or ITIN, Passport, Visa, and other personal information. Make sure you have these documents close by before applying.
1

Apply For Your Credit Card:

Depending on the requirements, you will need to apply online or in person for your beginner credit card. With Firstcard, you can apply online and start building credit in as little as 1 day.
1

Start Building Credit:

Once approved for your credit card for beginners, start building credit by making on time payments. Make sure you are paying your balance off in full each month rather than just paying the minimum payment.
1
Apply now

Start fixing your Bad Credit

Step 1: Gather necessary documents to apply for your first credit card. To get started with your Firstcard application, make sure you meet the following requirements:
1
Age Requirement:
You must be at least 18 years old.
Proof of U.S. Residency:
Provide a legal U.S. residential address.
Valid Government-Issued ID:
This can be a State ID, Driver’s License, or Passport.
SSN or ITIN:
If you don’t have an SSN, you’ll need two documents:
  1. A Passport
  2. Either a U.S. Visa or an ITIN
Step 2: Apply for Firstcard® Secured Credit Builder Card today. You’re pre-approved. No credit checks or hard inquiry.
2
Step 3: After approval, add money to your Firstcard and start using your Firstcard with purchases
3
Step 4: Turn on Autopay to make sure you make on-time payments.
4
Step 5: Firstcard will report your good on-time spending behavior to all three major credit bureaus: Equifax®, Experian®, and TransUnion®.
5
Apply now

Seguridad & soporte en el que puedes confiar

Seguro y protegido
La seguridad y la protección son la principal prioridad de Firstcard. Firstcard utiliza tecnología de cifrado estándar de la industria para garantizar que su cuenta y su información estén seguras y protegidas.
Asegurado hasta $250,000
El dinero en su cuenta Firstcard está asegurado hasta un monto máximo de $250,000 a través de nuestro banco asociado, Regent Bank, miembro de la FDIC.
En asociación con Mastercard
Desarrollado por Mastercard con garantía de protección contra fraude de responsabilidad cero por cargos no autorizados.

Preguntas frecuentes

How do credit card rewards work?
  • Most credit cards for beginners do not offer extensive rewards. Instead, these cards help users establish credit and often prioritize lower fees and simpler terms over cashback or points.
  • There are some credit cards for beginners, like Firstcard, that offer rewards and prioritize credit building. With Firstcard, you’ll earn up to 15% cashback when you shop at any of our 29,000+ partner merchants, up to 10% random cashback on qualifying purchases, and unlimited 1% cashback on all purchases when you subscribe to Firstcard Premium. Firstcard also offers a higher than average APY designed to help grow savings faster.
What is APR and why is it important?
  • Annual Percentage Rate (APR) is the ​​yearly interest rate plus any fees associated with borrowing money. As a beginner, it’s important to understand how APR works since a higher APR means higher costs if your balance is not paid in full each month. When searching for the best credit card for beginners, look for a card with low or no APR. Firstcard is a great credit card for beginners because there is 0% APR!
How do I choose between a secured card and a student card?
  • If you are a student, opting for a student card is your best bet as they typically have low fees and offer perks tailored to students. For students who are new to credit building, opting for a secured student credit card rather than a traditional credit card may be better so that you can learn to build credit safely without the risk of overspending.
  • For beginners who are non-students and don’t have access to student cards, opt for a secured credit card for beginners, like Firstcard. The Firstcard® Secured Credit Builder Card, which has 0% APR, is designed to help beginners build credit quickly and safely. Firstcard also offers rewards like unlimited 1% cashback on all purchases and 4.00% APY on the money in your account for Firstcard Premium subscribers. These rewards set Firstcard apart from other secured cards that typically have high APRs, low APY, and limited rewards.
What is a credit limit?
  • A credit limit is the maximum amount you can spend on your credit card in any given month. Issuers determine this limit based on factors such as your creditworthiness, income, and payment history. Spending over 30% of your credit limit can hurt your credit score since your credit utilization ratio is negatively affected when you exceed this percentage.
  • With the Firstcard® Secured Credit Builder Card, you’ll never have to worry about hurting your credit utilization ratio since you get to determine your credit limit each month. With Firstcard, what you deposit is what you can spend. This makes Firstcard an excellent credit card for beginners who want the flexibility to alter their credit limit each month without penalty.
How can I improve my credit score as a beginner?
  • The easiest way to improve your credit score is to get a credit card for beginners and use it responsibly. If you are a beginner looking to improve your credit, apply for a card like Firstcard that reports to all three credit major bureaus and does not require a hard credit check. Hard credit checks can temporarily lower your score, so should be avoided if possible when looking to improve your credit score as a beginner.

Repara tu mal crédito ahora con Firstcard

Apply Now
You’re pre-approved.
Apply today! No hard credit check needed.

Invest in your future

COMIENZA A CONSTRUIR 
TU CRÉDITO HOY

Get Started
Get Started
Company
About UsLearnFeesScholarship
Legal & Regulatory
Terms of useDisclosuresPrivacy PolicyCashback ProgramReferral Program PolicyMarketing Campaign TermsSecurity at Firstcard
Contact Us
FAQsupport@firstcard.app
Follow
© 2025 Firstcard. All rights reserved.
FTC

Firstcard es una empresa de tecnología financiera, no un banco. Los servicios bancarios son proporcionados por Regent Bank, miembro de la FDIC. Las tarjetas de crédito Firstcard son emitidas por Regent Bank, bajo licencia de Mastercard. Válido para mayores de 18 años y sujeto a aprobación de la cuenta. El seguro de depósitos FDIC cubre hasta $250,000 por cuenta de cliente calificada, en una base de "transferencia"; el seguro FDIC solo cubre el caso de quiebra de instituciones de depósito aseguradas. Deben cumplirse ciertas condiciones para que se aplique el seguro de depósito FDIC por transferencia.

Forbes Featured Partner:  https://www.forbes.com/advisor/credit-cards/best/international-students/

Time Featured Partner:  https://time.com/personal-finance/article/best-credit-cards-for-students/

CNN Featured Partner:  https://www.cnn.com/cnn-underscored/money/best-credit-cards-college-students

2 

Válido para mayores de 18 años y sujeto a aprobación de cuenta.

‍

‍

2 

Cashback de Comercios: El monto del cashback lo determinan la transacción y los comercios participantes. Consulta firstcard.app/cashback-policy.

‍

2 

Cashback Aleatorio: Los usuarios pueden recibir hasta un 10% de cashback aleatorio en compras calificadas, es decir, aquellas que han sido procesadas y aceptadas por el comercio y liquidadas en la cuenta de Firstcard. Algunas transacciones, como retiros en cajeros automáticos, transferencias de efectivo, compras de tarjetas de regalo, apuestas y pagos de facturas, no califican para el cashback aleatorio. Consulta más detalles en firstcard.app/random-cashback-policy

2 

El Rendimiento Anual Porcentual ("APY") para la Cuenta de Depósito es variable y puede cambiar en cualquier momento. El APY divulgado es efectivo a partir de octubre de 2023. Los usuarios sin SSN o ITIN en archivo actualmente no son elegibles para ganar intereses. No se requiere un saldo mínimo. Las tarifas pueden reducir las ganancias en la cuenta.

‍

‍

2 

Los clientes de Firstcard+ ganarán un 1% adicional de cashback ilimitado en todas las compras elegibles con tarjeta de crédito. Se aplican exclusiones. No se obtienen recompensas de cashback en retiros de cajeros automáticos, transferencias P2P, compras de tarjetas de regalo u otros equivalentes de efectivo, y ciertos otros tipos de transacciones según lo determine Firstcard. El cashback se otorga dentro de los 7 días posteriores a que la transacción elegible se refleje en tu cuenta. No se requiere un saldo mínimo para ganar cashback.

‍

‍

2 

Datos extraídos de Chase Bank al 20 de octubre de 2023:

https://www.chase.com/content/dam/chase-ux/ratesheets/pdfs/rdfl1.pdf

‍

2 

Datos extraídos de Bank of America al 24 de octubre de 2023:

https://www.bankofamerica.com/deposits/bank-account-interest-rates-modal.go

‍

2 

Datos extraídos de Wells Fargo al 24 de octubre de 2023:

https://www.wellsfargo.com/checking/prime/

‍

2 

Datos extraídos de la tarjeta Discover It Secured Credit Card al 16 de octubre de 2023:

https://www.discover.com/credit-cards/secured/

‍

2 

Datos extraídos de la tarjeta Chase Freedom Unlimited al 16 de octubre de 2023:

https://creditcards.chase.com/cash-back-credit-cards/freedom/unlimited

‍

2 

Datos extraídos de la tarjeta Bank of America Secured Credit Card al 16 de octubre de 2023: https://www.bankofamerica.com/credit-cards/products/secured-credit-card/‍

‍
‍

‍

‍

2 

Según la FDIC, la tasa de interés promedio nacional en cuentas de ahorro es del 0.45% APY (a partir del 15 de julio de 2024) https://www.fdic.gov/resources/bankers/national-rates/.