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Firstcard® Secured Credit Builder Card
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Aplica para una Tarjeta de Crédito Asegurada Firstcard en Línea en Minutos

We believe that your credit history shouldn’t determine your ability to build credit in the U.S.. Firstcard’s secured credit card for no credit is designed for beginners like you. Want to unlock financial freedom? Start building your credit today!
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Cómo solicitar tarjetas de crédito con un mal crédito

If you are looking to get a credit card for no credit history, we recommend starting with a secured card. Traditional credit cards are often out of reach for people with no credit as they typically require a good credit score (650+) in order to get approved.

Firstcard is designed for people with no credit and an excellent option for people who want to get a secured credit card for no credit. Firstcard pre-approves users  with no credit score and aims to help users 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.
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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.
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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.
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Paths to Building Credit

Prepaid Cards

When seeking a credit card for no credit, prepaid cards can be a nice entry point. Similar to the Firstcard® Secured Credit Builder Card, they require you to make an upfront deposit before you can spend. Firstcard a better option for those looking to build credit since , prepaid cards don’t help to build your credit score.

Credit Builder Loans

A credit builder loan helps you build credit if you have no credit as you make monthly payments on a loan held in a secured account. Unfortunately, the funds are only released once the entire loan is paid off, and these loans often come with high fees. Firstcard’s credit card for no credit offers a better solution. With Firstcard, you get instant access to your funds and never have to worry about hidden fees. You'll, also enjoy up to 15% cashback, and 4.00% APY with Firstcard Premium

Becoming an Authorized User

As an authorized user you are not responsible for paying the credit card bill but build credit by being added to someone else’s credit card account. In turn, their good payment history can boost your score. However, this option isn’t available for everyone if you don’t have a family member or a friend to help you. With Firstcard’s credit card for no credit, everyone is pre-approved and can build credit independently while earning rewards like high cashback and up to 4.00% APY!
Upfront Deposit
Low Fees
Build Credit
Earn Rewards
Prepaid Cards
Credit Builder Loans
Becoming an
Authorized
User

Timeline:

Path from No Credit to strong credit

Did you know that your credit score can impact everything from student loans to financing a car and even buying a home? That’s why it’s important to start building credit as soon as possible.

With no credit, getting a traditional credit card can seem out of reach. Firstcard is here to help you build credit from scratch. Let’s take a look at the timeline from no credit to a strong credit together.

Apply now
day 1
Apply online for Firstcard. Once approved, deposit money into your Firstcard account and spend using your virtual card to start building credit.  As you use your credit card for no credit responsibly, Firstcard reports your on time payment activity to all three U.S. credit bureaus monthly.
6 months
‍After six months of consistent, on-time payments, your credit score can often reach the mid-600s. At this stage you can consider moving away from credit cards for no credit and applying for traditional credit cards. If you don’t feel ready to apply for another card, increase your monthly balance with Firstcard to continue to build credit safely!
12 months
‍After a year of responsible credit use, your credit score can improve further, potentially entering the high 600s to low 700s, signifying good credit.
24 months
‍After two years of on-time payments and prudent credit management, you should have established a solid credit history. This can lead to a credit score in the mid to high 700s, which is considered to be excellent!
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How to Apply for a Credit Card for No Credit

Getting a credit card for no credit can be simple, but remember to take the time to research to ensure the product you are signing up for aligns with your budget and goals. Here’s how to get started.

Research Credit Cards For No Credit:

Look for credit cards for no credit like secured credit cards or student credit cards. The Firstcard® Secured Credit Builder Card is an excellent option. These types of cards typically have lower entry requirements. With Firstcard there is no hard credit check and you are pre-approved.

Check Your Eligibility:

Before applying, ensure you meet the age requirement (typically 18 years or older) and have the necessary documents prepared.

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.

Apply For Your Credit Card:

Most credit card applications can be completed online but some require you to go in person. After selecting your credit card for no credit apply as suggested. With Firstcard you can apply online and start building credit in as little as 1 day.

Start Building Credit:

Once approved for your credit card, spend responsibly and pay your bill off on time to build credit!
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Why Firstcard Is a Great Credit card for no credit

Without credit history it can seem impossible to get approved for a credit card. Firstcard eliminates this problem by pre-approving users with no credit history. See why Firstcard is a great credit card for  no credit below:
You’re Pre-Approved

Firstcard is great credit card for no credit as no credit history is needed for approval. Simply apply online with your SSN, ITIN, or passport to open an account and start building credit.

No Hard Credit Inquiry

Did you know that almost all traditional credit cards require a hard credit inquiry when you apply for an account? Firstcard’s credit card for no credit is different as there is no hard credit inquiry needed to get an account.

No Overspending

For people with no credit history, overspending can lead to debt which can lower your credit score if not addressed promptly. Firstcard is a great credit card for no credit because what you deposit is what you can spend. This means that you will never spend more than you have which enables you to safely grow your credit over time!

Build Credit

Firstcard makes credit building easy and safe for people with no credit. What you deposit into your account is what you can spend on your Firstcard credit card. You can also monitor your credit score any time in the app as long as you have an SSN or ITIN. This makes Firstcard a great credit card for no credit as you are able to build credit safely.

Earn Premium Rewards

Many individuals with no credit cannot access premium rewards through traditional credit cards. Firstcard provides a better credit card for no credit. Users can earn up to 4.00% APY, which is 3.58% higher than the national average. Firstcard also offers 10% random cashback on qualifying transactions, and up to 15% cashback at more than 29,000 partner merchants.

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Apply for a Credit Card with No 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:
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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.
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Step 3: After approval, add money to your Firstcard and start using your Firstcard with purchases
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Step 4: Turn on Autopay to make sure you make on-time payments.
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Step 5: Firstcard will report your good on-time spending behavior to all three major credit bureaus: Equifax®, Experian®, and TransUnion®.
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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 I choose the right credit card for me?
  • If you are looking for a credit card for no credit and are trying to decide which is right for you, consider hidden fees, annual fees, rewards like cashback and APY, APR, and whether or not you meet qualifications
  • Firstcard is a great credit card for people with no credit as there is 0% APR, you can earn up to 15% cashback, up to 4% APY, and Firstcard has low annual fees. There are also safeguards in place like how you can’t spend more than you deposit which helps ensure you are spending within your means and building credit safely.
Will checking my credit report hurt my credit score?
  • No, checking your credit report will not hurt your credit score. When you review your own credit report, it’s considered a “soft inquiry,” which has no impact on your score. This is different from a “hard inquiry,” which occurs when a lender checks your credit as part of a loan or a credit card application. Firstcard is an excellent credit card for no credit as you can regularly monitor your credit score directly in the app to ensure you are staying on track. If you’re building credit from scratch or have no credit history, the Firstcard secured credit card is great for helping you establish good credit over time.
How long does it take to build credit?
  • If you have no credit it can take as little as a few months to start to build credit. After six months of consistent, on-time payments, your credit score can often reach the mid-600s. After a year of responsible credit use, your credit score can improve further, potentially entering the high 600s to low 700s. After two years of on-time payments and prudent credit management, your credit score can reach the mid to high 700s, which is considered to be excellent!
Can I get a credit card with a 0 credit score?
  • You can absolutely get a credit card with 0 credit score! Secured credit cards or student credit cards are great options for people seeking a credit card for no credit. Student credit cards do require you to be a student, so secured cards like Firstcard are a better option for anyone who is not enrolled in school.
What is the easiest credit card to get with no credit?
  • The easiest way to get a credit card for no credit is to apply online. Make sure to do your research and look for a credit card with low APR and low fees. Firstcard is a great option if you have no credit as there is a 0% APR, no hidden fees, and you’re pre-approved.

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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

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

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

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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

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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.

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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.

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

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

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

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

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

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

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

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

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

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

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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/‍

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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/.