Firstcard: Credit Builder Card

Firstcard, Inc

About this app

Firstcard® Secured Credit Builder Card helps everyone build credit no matter who they are, where they are from, or their credit history. Firstcard primarily focuses on serving immigrants, foreigners, non-US citizens, international students, first-generation college students, and first-time credit builders in the US who are often denied credit due to the limited access to credit-building tools provided by traditional banks. Members can build credit, open a credit card and a bank account, earn cash back, and grow savings — all within a single platform. Firstcard is on a mission to democratize credit for all.

BUILD YOUR CREDIT SCORE EARLY AND SAFELY
- Build your credit score every time you spend
- Accepts immigrants, international students, foreigners, and non-US citizens without an SSN¹– apply with a passport
- No credit check or hard inquiry
- No overspending
- 0% APR
- No interest, overdraft fee, late payment fee, or account minimum requirement
- We can approve your credit card application regardless of your credit history¹
- We report to all 3 major credit bureaus: TransUnion®, Equifax® and Experian®
- Applying for Firstcard does not impact your credit score

EARN CASHBACK² EVERY TIME YOU SPEND
- Get an additional 1% cashback on all qualifying purchases with Firstcard Premium

GROW YOUR MONEY OVER TIME
- Firstcard Standard members can earn 1.25% Annual Percentage Yield⁴ (APY)
- Firstcard+ members can earn 2.50% APY
- Firstcard Premium members can earn 4.00% APY
(The national average interest rate on savings accounts is 0.40% APY⁵)

EQUAL ACCESS FOR EVERYONE
- Accept immigrants, international students, foreigners, and non-US citizens without an SSN¹
- Have no credit score or low credit score? No problem. We can approve your credit card application regardless of your credit history.

SECURITY AND SUPPORT YOU CAN TRUST
- Your money is FDIC-insured up to $250,000 through Regent Bank, member FDIC.
- The Firstcard credit card is issued pursuant to a license from Mastercard® International Inc.
- Our team is based in the US and we are headquartered in Silicon Valley.

—
Disclaimer:
The Firstcard credit cards are issued by Regent Bank, pursuant to a license from Mastercard® International Inc. Firstcard is a financial technology company, not a bank. Banking services are provided by Regent Bank; Member FDIC. 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.

¹Valid for 18+ and subject to account approval.

²Firstcard+ 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.

⁴APY for the Deposit Account is variable and may change at any time. The disclosed APY is effective as of September 2025. Account fees may reduce earnings. Users with no SSN or ITIN on file are not currently eligible to earn interest. No minimum balance is required.

⁵Source: According to the FDIC, the national average interest rate on savings accounts is 0.40% APY (as of September 15, 2025). https://www.fdic.gov/national-rates-and-rate-caps.

Ratings and reviews

Pros: no SSN needed (SSN is recommended though if you want to earn interest), great customer support, and feels very customer centric. Decent cashback. Cons: The process of topping up the card isn't ideal. They charge some fees if you want to do it instantly with cards. The free bank transfer option takes 3 days for the money to be added.

Good card to avoid falling into debt,you get to set your own spending power by adding the amount of funds you want to the card ,you get cashback,no interest,and whatever you spend it goes into a secured account so it's automatically paid back when autopay is turned on...you also get to spend the wheel for extra cashback (very fun IMO) ..great for people who are new to building credit or rebuilding

never get to open the app and it tells me we're still reviewing you're application wait 1-3 days, but its been 3-4 months and still can't get into the app or past that page saying still reviewing. it a joke and a headache. do better. try a hair more...

What’s new

At Firstcard, we’re constantly improving our app to give you a better experience. This release includes bug fixes and overall app improvements. Turn on automatic updates to always have the best and latest version.