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
- No interest, annual fee, 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
- Earn up to 15% Merchant Cashback at 29,000 partner merchants
- Earn up to 10% Random Cashback on all qualifying purchases
- Get an additional 1% cashback on all qualifying purchases with Firstcard+³

GROW YOUR MONEY OVER TIME
- All members can earn 1.25% Annual Percentage Yield⁴ (APY)
- Firstcard+ members can enjoy 4.25% APY
(The national average interest rate on savings accounts is 0.45% 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 debit and 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.

¹Valid for 18+ and subject to account approval.

²Merchant Cashback: The amount of cashback is determined by the transaction and participating merchants. Random Cashback: Users will receive up to 10% of random cashback on qualifying purchases. Cashback is awarded within 7 days of the eligible transaction posting to your account. Accounts must be open at the time cashback rewards are being awarded or cashback will be forfeited. No minimum balance required to earn cashback. See firstcard.app/random-cashback-policy.

³Firstcard+ 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 June 2024. 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 0.45% APY (as of May 20, 2024). https://www.fdic.gov/resources/bankers/national-rates/.

Ratings and reviews

So far so good I'm loving it

I opened a account and waited what seemed like forever for my card to finally come then when I get it they wouldn't allow me to activate it bc I had a returned transfer before I even received my card in the mail. So I wrote customer service and was told they didn't know when or if at all if I'd be able to activate my card but that they would ask coworkers then let me know and its now been 5 days with no response and I've been messaging customer service the past 3 days & no reply

Horrible!! I linked my card to cash app and transferred $24 to it well they declined the transfer but didn't send my money back to my cash app!!!!!

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.