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Build your credit early and safely

We’re making building credit faster, safer and easier.

When you open an account with Firstcard, you will get a bank account and a credit card.

What you deposit into your Firstcard bank account is what you can spend on your Firstcard credit card.
Bank Account
Bank Account Balance
Info
=
Bank Account
Available to spend on Credit Card

How it works

1
Move money into
your Firstcard
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Spend money using Firstcard
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Build Credit with Autopay

What you deposit is what you can spend

Deposit $100 into Firstcard. Your deposit determines your credit limit.

Example: If you deposit $100, you will have $100 available to spend on your Firstcard.

When you spend $20, $20 is locked from your deposit as security. This ensures that you can pay back the bank at the end of the month.
Simultaneously, our bank partner lends you $20 with 0% interest rate.
This process allows you to build credit without overspending.

Keep your Autopay enabled

The locked $20 from your deposit is automatically used at the end of the month to pay off the $20 lent by the bank.

Firstcard reports your on-time payment to all three major credit bureaus. This will help improve your credit score over time.

Safer Credit Building with Autopay

Autopay is a feature that helps you build your credit score safely.

The feature ensures on-time payment by automatically paying off your Firstcard credit card bills using the money you’ve already transferred to your Firstcard.

Get Started

Monitor your Credit Score right in the app

Firstcard+ members can monitor their credit scores directly in the Firstcard app.

We update your credit score every month so you can see clearly how your credit score improves over time.

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, member FDIC.
Powered by Mastercard
Powered by Mastercard with Zero Liability Fraud Protection guarantee for unauthorized charges.

Questions About Credit Building

How to build credit?
Building credit involves a few key steps! First, you can apply for a secured credit card like Firstcard to establish your credit history. Second, make sure that you pay your bills on time, as punctuality significantly impacts your credit score. Third, keep your credit card balances low relative to your credit limit to show responsible credit usage. The good news is that Firstcard secured credit card dose not have a credit limit so you don’t need to worry about exceeding the credit usage! What you deposit is what you can spend! By following these steps on how to build credit, you'll gradually build your credit
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If you want to learn more about to build credit, you might find this article super helpful: How To build Credit At 18.
How to build credit without an SSN?
If you do not have an SSN but want to build credit, you can choose banks or credit cards that accept another form of identification such as a passport. Firstcard allows international students or people without an SSN to apply for a credit card with just a valid passport and a legal US residential address.
How to build credit at 18?
To start building credit at 18, you want to first understand the basic knowledge of credit scores and the importance of building a financial history. Once you have some basic knowledge, you want to start building credit by getting a credit builder card or a secured credit card like Firstcard. Make sure you pay off the balance in full each month to build credit responsibly. 
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If you want to learn more about to build credit, you might find this article super helpful: How To build Credit At 18.
How can a credit builder card help me build credit?
A credit builder card can help you build and rebuild credit even if you don't have an SSN or a good credit score, solving the chicken-and-egg problem of credit access. Once you have a credit builder card, use it to make purchases and pay off the balance in full each month. Consistently using a credit builder card and making on-time payments helps establish a credit history, which is crucial for improving your credit score. Additionally, a credit builder card often reports your on-time payment activity to credit bureaus which further helps you build credit effectively.
Why is Firstcard a great secured credit card to build credit?
Firstcard is a great secured credit card to build credit for many reasons. First, Firstcard accepts immigrants, international students, and foreigners without an SSN, making credit building accessible for all. It helps people build credit faster without requiring a credit check or hard inquiry. With Firstcard, you can earn up to 15% cashback at selected merchants while building your credit. Additionally, it offers multilingual customer support in English, Chinese, Japanese, Spanish, and Portuguese, ensuring a smooth experience for diverse users. With a 0% APR and up to 4.25% APY with Firstcard+, Firstcard is a cost-effective way to build credit efficiently and safely.

our users love us

My Credit Score Skyrocketed!

Thanks to Firstcard, I boosted my credit score by over 50 points in just a few months, and I found the app incredibly easy to use! I’m a huge fan of Firstcard!

Yo Shibata - Co-Founder at Tailor (YC S22)
Really helps me not overspend

Firstcard is really helpful because it allows me to not overspend and be more frugal about what I’m spending every month.
Overall I really have been enjoying my Firstcard and have been recommending it to friends.

Jessicaxnguyen
It’s perfect for college students

I'm getting cashback on a lot of the purchases and I'm using that all for savings for a trip.

Lucas
Easy to use credit builder card

The no-overspending risk and no annual fees were what drew me to Firstcard. The bonus cashback feature is a fun addition, and it's helped me save money effortlessly on everyday purchases.

Katherine K.
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.
Firstcard makes my financial life abroad much easier

Managing my finances in a new country was a major concern, but Firstcard made it so much easier.  The support team is always responsive and helpful, and I can ask questions and receive help in Spanish which is amazing!

Paolo G
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.
Perfect for international students & immigrants!

Firstcard's acceptance of immigrants and international students without an SSN was a huge plus for me when I moved to the US from Russia. The sign-up process was smooth and easy, and now I'm earning cashback on all my purchases while building credit. Couldn't be happier!

Boris M.
My Credit Score Skyrocketed!

Thanks to Firstcard, I boosted my credit score by over 50 points in just a few months, and I found the app incredibly easy to use! I’m a huge fan of Firstcard!

Yo Shibata - Co-Founder at Tailor (YC S22)
Really helps me not overspend

Firstcard is really helpful because it allows me to not overspend and be more frugal about what I’m spending every month.
Overall I really have been enjoying my Firstcard and have been recommending it to friends.

Jessicaxnguyen
It’s perfect for college students

I'm getting cashback on a lot of the purchases and I'm using that all for savings for a trip.

Lucas
Easy to use credit builder card

The no-overspending risk and no annual fees were what drew me to Firstcard. The bonus cashback feature is a fun addition, and it's helped me save money effortlessly on everyday purchases.

Katherine K.
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.
Firstcard makes my financial life abroad much easier

Managing my finances in a new country was a major concern, but Firstcard made it so much easier.  The support team is always responsive and helpful, and I can ask questions and receive help in Spanish which is amazing!

Paolo G
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.
Perfect for international students & immigrants!

Firstcard's acceptance of immigrants and international students without an SSN was a huge plus for me when I moved to the US from Russia. The sign-up process was smooth and easy, and now I'm earning cashback on all my purchases while building credit. Couldn't be happier!

Boris M.

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FTC

The Firstcard debit and credit cards are issued by Regent Bank, pursuant to a license from Mastercard. Firstcard is a financial technology company, not a bank. Banking services are provided by Regent Bank; Member FDIC.

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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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.

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

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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.

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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.

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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.

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

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

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

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

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

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

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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/.