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.

‍

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

‍

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.

The Annual Percentage Yield ("APY") for the Deposit Account is variable and may change at any time. Firstcard members are eligible for 1.25% APY. Firstcard+ members are eligible for 4.25% APY. The disclosed APY is effective as of July 2024. Users with no SSN or ITIN on file are not currently eligible to earn interest. No minimum balance is required. Fees may reduce earnings on the account.

‍

Firstcard+ 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.

‍

Data pulled from Chase Bank as of July 30, 2024: https://www.chase.com/content/dam/chase-ux/ratesheets/pdfs/rdfl1.pdf

‍

Data pulled from Bank of America as of July 30, 2024: https://www.bankofamerica.com/deposits/bank-account-interest-rates/

‍

Data pulled from Wells Fargo as of July 30, 2024: https://www.wellsfargo.com/checking/prime/

‍

Data pulled from Discover It Secured Credit Card as of July 30, 2024: https://www.discover.com/credit-cards/secured/

‍

Data pulled Chase Freedom Unlimited credit card from as of July 30, 2024: https://creditcards.chase.com/cash-back-credit-cards/freedom/unlimited

‍

Data pulled from Bank of America Secured Credit Card as of July 30, 2024: https://www.bankofamerica.com/credit-cards/products/secured-credit-card/

‍

‍

According to the FDIC, the national average interest rate on savings accounts is 0.45% APY (as of July 15, 2024). https://www.fdic.gov/resources/bankers/national-rates/.