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Credit For All
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level up with firstcard+

level up with firstcard+

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CHOOSE THE RIGHT SECURED CARD FOR YOU

No credit checks. You’re pre-approved!
Monthly
Yearly
Save up to 23%
Build Your Credit on a Budget
Standard
$4.99/month
Credit building
Credit monitoring
In-depth credit report
Merchant Cashback
Up to 15%
Random Cashback
Up to 10%
Unlimited Cashback
0.10%
APR
0%
APY
0.75%
Foreign transaction fee
3%
Get Started
Build Your Credit
$8.99/month
Credit building
Credit monitoring
In-depth credit report
Merchant Cashback
Up to 15%
Random Cashback
Up to 10%
Unlimited Cashback
0.50%
APR
0%
APY
2.00%
Foreign transaction fee
1.5%
Get Started
Build Credit
with Cashback and APY
Premium
$12.99/month
Credit building
Credit monitoring
In-depth credit report
Merchant Cashback
Up to 15%
Random Cashback
Up to 10%
Unlimited Cashback
1%
APR
0%
APY
4.00%
Foreign transaction fee
0%
Get Started
Standard
$4.99/
month
$8.99/
month
Premium
$12.99/
month
Credit building
Credit monitoring
Up to 15% Cashback
APR
APY
Foreign transaction fee
0%
1.25%
3%
+ In-depth credit report
0%
2.5%
1.5%
+ In-depth credit report
0%
4.00%
0%
Build Your Credit on a Budget
Standard
$48/yearly
Save $11.88
Credit building
Credit monitoring
In-depth credit report
Merchant Cashback
Up to 15%
Random Cashback
Up to 10%
Unlimited Cashback
0.10%
APR
0%
APY
0.75%
Foreign transaction fee
3%
Get Started
Build Your Credit
$84/yearly
Save $23.88
Credit building
Credit monitoring
In-depth credit report
Merchant Cashback
Up to 15%
Random Cashback
Up to 10%
Unlimited Cashback
0.50%
APR
0%
APY
2.00%
Foreign transaction fee
1.5%
Get Started
Build Credit
with Cashback and APY
Premium
$120/yearly
Save $35.88
Credit building
Credit monitoring
In-depth credit report
Merchant Cashback
Up to 15%
Random Cashback
Up to 10%
Unlimited Cashback
1%
APR
0%
APY
4.00%
Foreign transaction fee
0%
Get Started
Standard
$4.99/year
Save $11.88
$84/year
Save $23.88
Premium
$120/year
Save $35.88
Credit building
In-depth credit report
Up to 15% Cashback
APR
APY
Foreign transaction fee
0%
1.25%
3%
+ Credit monitoring
0%
2.5%
1.5%
+ Credit monitoring
0%
4.00%
0%
free
$4.99/month
or
$48/year
APY
0.75%
2.00%4
Credit monitoring feature
Additional 1% cashback on top of Merchant Cashback2 and Random Cashback3
Foreign transaction fee
1.5%
Free
Free
APY
1.25%
Credit monitoring feature
Additional 1% cashback on
top of Merchant Cashback2
and Random Cashback3
Foreign transaction fee
1.5%
Get Started
$4.99/month
or
$50/year
APY
4.25%
Credit monitoring feature
Additional 1% cashback on
top of Merchant Cashback2
and Random Cashback3
Foreign transaction fee
Free
Upgrade
For cardholders without an SSN, credit monitoring and APY features are unavailable.
For ITIN cardholders, APY feature is available; however, credit monitoring remains unavailable.

Get an in-depth credit report every month

All Firstcard members can monitor credit score right in the app. Firstcard+ and Premium members will get an in-depth credit report every month.

Get Started
Get Started
Get Started

Earn cashback while building credit

Earn up to 15% in Merchant Cashback, Random Cashback, and Unlimited Cashback as you build your credit.
Get Started

Security & support you can trust

Safe and Secure
Firstcard uses industry-standard encryption technology to ensure your account and information are safe and secure.
Insured up to $250,000
Money in your Firstcard account is insured up to the maximum amount of $250,000 through our bank partner Regent Bank, a member of FDIC.
Powered by Mastercard
Powered by Mastercard with Zero Liability Fraud Protection guarantee for unauthorized charges.

we’re not like the others

No credit checks
No overspending risk Info
Accepts international people without an SSN
APY
Info
(Interest you earn on deposit)
APR
Info
(Interest you pay)
0.75% with Firstcard Standard
2.00% with Firstcard+
‍4.00% with Firstcard Premium5
0%
Discover Secure

Card
0%
Up to 28.24%9
Chase Freedom
Credit Card
0%
20.49% - 29.24%10
Bank of America Secured Card
26.24%11
Non-US residents are not eligible for APY

We're transparent with fees

  • No APR or interest
  • No late fees.
  • No overdraft fees.
  • No setup fees
  • No minimum deposit requirement

our users love us

The best way to build credit without an SSN

As an immigrant, I struggled to find a credit card. Firstcard was the perfect solution with their no-SSN requirement. Now, I can build credit and earn rewards with every purchase.

Hana P.
Reliable and user-friendly!

Moving to a new country comes with its challenges, but Firstcard made building my financial life here so much easier. The no-SSN requirement was crucial for me. The app is user-friendly and helps me keep track of my spending and savings. Firstcard has truly been such a reliable financial partner for me as an immigrant.

Amara A.
A must-have for newcomers

Firstcard's approach to helping immigrants build credit is outstanding. The customer service is very supportive, and the cashback rewards make everyday purchases more rewarding. It's a must-have for newcomers.

Vidya K.
A lifesaver

Firstcard made it incredibly easy for me to establish credit as a new immigrant. The fact that they don't require an SSN was a lifesaver and the high cashback rates are just icing on the cake!

Henry Z.
A great card for immigrants!

Getting started with Firstcard was smooth and hassle-free, even without an SSN. The app is intuitive, and the financial tools have been very helpful in managing my budget and building credit. A great card for immigrants!

Amin H.
Love the app!

As an immigrant founder, I had no idea how to start building credit when I moved to the U.S. Then I learned about Firstcard through a friend. Firstcard made building credit so much easier. I was able to increase my credit score by 20+ in just a few weeks and the app is so simple to use! I'm a huge fan of Firstcard!

Yo Shibata
A must-have for International Students

Firstcard has been an essential tool for me as an international student from India. The app is easy to navigate and offers fantastic features tailored for students

Anika K
The best way to build credit without an SSN

As an immigrant, I struggled to find a credit card. Firstcard was the perfect solution with their no-SSN requirement. Now, I can build credit and earn rewards with every purchase.

Hana P.
Reliable and user-friendly!

Moving to a new country comes with its challenges, but Firstcard made building my financial life here so much easier. The no-SSN requirement was crucial for me. The app is user-friendly and helps me keep track of my spending and savings. Firstcard has truly been such a reliable financial partner for me as an immigrant.

Amara A.
A must-have for newcomers

Firstcard's approach to helping immigrants build credit is outstanding. The customer service is very supportive, and the cashback rewards make everyday purchases more rewarding. It's a must-have for newcomers.

Vidya K.
A lifesaver

Firstcard made it incredibly easy for me to establish credit as a new immigrant. The fact that they don't require an SSN was a lifesaver and the high cashback rates are just icing on the cake!

Henry Z.
A great card for immigrants!

Getting started with Firstcard was smooth and hassle-free, even without an SSN. The app is intuitive, and the financial tools have been very helpful in managing my budget and building credit. A great card for immigrants!

Amin H.
Love the app!

As an immigrant founder, I had no idea how to start building credit when I moved to the U.S. Then I learned about Firstcard through a friend. Firstcard made building credit so much easier. I was able to increase my credit score by 20+ in just a few weeks and the app is so simple to use! I'm a huge fan of Firstcard!

Yo Shibata
A must-have for International Students

Firstcard has been an essential tool for me as an international student from India. The app is easy to navigate and offers fantastic features tailored for students

Anika K
You’re pre-approved

join Firstcard today for only

$4.99 a month

  • Build credit faster, cheaper, and safer.
  • No credit checks or hard inquiry. Accepts immigrants and internationals
without an SSN
  • 0% APR (vs. Discover and BOA up to 28.24% APR)
  • Earn APY (aka. interest you earn on deposits)
  • Earn up to 15% cashback at 29,000 partner merchants and up to 10% Random Cashback
  • Multilingual support in English, Chinese, Japanese, Spanish, and Portuguese.
We report to all 3 major credit bureaus

Invest in your future

Start building credit today

Get Started
Get Started
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© 2024 Firstcard. All rights reserved.
FTC

Firstcard is a financial technology company, not a bank. Banking services are provided by Regent Bank, Member FDIC. Firstcard credit cards are issued by Regent Bank, pursuant to a license from Mastercard. Valid for 18+ and subject to account approval. FDIC deposit insurance up to $250,000 per qualified customer account on a "pass-through" basis; FDIC insurance only covers failure of insured depository institutions. Certain conditions must be satisfied for pass-through FDIC deposit insurance to apply.

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 

Valid for 18+ and subject to account approval. Pre-approved means that you have met the initial criteria for this credit card; however, your application may be rejected if any of the following apply: you provided incorrect information or we are unable to verify your identity under federal law; you are under 18 years old.

‍

2 

Merchant Cashback: The amount of cashback is determined by the transaction and participating merchants. See firstcard.app/cashback-policy.

‍

2 

Random Cashback: Users will receive up to 10% of random cashback on qualifying purchases. A qualifying purchase is a purchase that has been processed and accepted by the merchant and has settled in the entrant's Firstcard account. This purchase may, but not necessarily, include tips, holds, and deposits related to the qualifying purchase. Additionally, the following transaction categories are NOT qualifying purchases and will not be eligible to earn entries into random cashback: ATM withdrawals, wire transfers or cash transfers, purchasing gift cards or other cash equivalents, gambling or online casino, peer-to-peer (P2P) transfers, such as Venmo, Cash App, transfers between Firstcard users, or similar services, gambling, bill payment, prepaid phone recharge and any other transaction types that we may deem ineligible at our sole discretion. See firstcard.app/random-cashback-policy.

2 

The Annual Percentage Yield ("APY") for the Deposit Account is variable and may change at any time. The disclosed APY is effective as of November 7, 2024. Users with no SSN or ITIN on file are not currently eligible to earn interest. No minimum balance is required. Firstcard Standard members are eligible for 0.75% APY. Firstcard+ members are eligible for 2.00% APY. Firstcard Premium members are eligible for 4.00% APY. Annual fees and other fees may impact your yield.

‍

2 

Firstcard Premium customers will earn an additional 1% unlimited cashback on all eligible credit card purchases. Exclusions apply. Cashback rewards are not earned on ATM withdrawals, P2P transfers, purchases of gift cards or other cash equivalents, and certain other types of transactions as determined by Firstcard. Cashback is awarded within 7 days of the eligible transaction posting to your account. No minimum balance required to earn cashback.

‍

2 

Data pulled from Chase Bank as of November 7, 2024: https://www.chase.com/content/dam/chase-ux/ratesheets/pdfs/rdfl1.pdf

‍

2 

Data pulled from Bank of America as of November 7, 2024: https://www.bankofamerica.com/deposits/bank-account-interest-rates/

‍

2 

Data pulled from Wells Fargo as of November 7, 2024: https://www.wellsfargo.com/checking/prime/

‍

2 

Data pulled from Discover It Secured Credit Card as of November 7, 2024: https://www.discover.com/credit-cards/secured/

‍

2 

Data pulled Chase Freedom Unlimited credit card from as of November 7, 2024: https://creditcards.chase.com/cash-back-credit-cards/freedom/unlimited

‍

2 

Data pulled from Bank of America Secured Credit Card as of November 7, 2024: https://www.bankofamerica.com/credit-cards/products/secured-credit-card/

‍

‍

2 

According to the FDIC, the national average interest rate on savings accounts is 0.45% APY (as of November 7, 2024). https://www.fdic.gov/resources/bankers/national-rates/.