Firstcard is a secured credit card that helps you build credit. Secured credit cards are like training wheels for managing credit. Firstcard requires you to add money before making a purchase, and the amount you deposit is the amount you can spend. It makes sure that you can't spend more than you have, keeping you safe from getting into big debt and helping you form safe credit building habits. This also means that you don’t need to worry about the credit utilization ratio as it does not apply to Firstcard users.

Traditional credit cards usually involve overspending risk and high interest rates. With Firstcard, you don’t need to worry about overspending risks or high interest rates. It's also easier to get approved for Firstcard compared to a traditional credit card. Firstcard doesn’t check your credit history or require a good credit history to qualify.

Thus, Firstcard is a better option for people who have no credit history or those looking to rebuild a damaged credit score.