Firstcard: Student Credit Card

3.4
27 reviews
1K+
Downloads
Content rating
Everyone
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About this app

Firstcard is the best secured credit builder card for students. Students can build credit, earn cashback, get a bank account and grow savings — all within a single platform. Firstcard puts students first and provides financial tools and knowledge tailored to students with a mission to help students succeed in their financial journey.

BUILD YOUR CREDIT SCORE EARLY AND SAFELY
- Build your credit score every time you spend
- Monitor your credit score right in the app
- No credit check or hard inquiry
- No overspending with Autopay
- No interest, annual fee, overdraft fee, late payment fee, or account minimum requirement
- We will approve your credit card application regardless of your credit history¹
- Applying for Firstcard does not impact your credit score

EQUAL ACCESS FOR EVERYONE
- Accept international students without an SSN¹
- Have no credit score or low credit score? No problem. We will approve your credit card application regardless of your credit history.

EARN CASHBACK² EVERY TIME YOU SPEND
- Earn up to 15% Merchant Cashback at 29,000 partner merchants around college campuses
- Earn up to 10% Random Cashback on all qualifying purchases
- Get an additional 1% cashback on all qualifying purchases when you subscribe to Firstcard+³

GROW YOUR MONEY OVER TIME
- All members can earn 1.25% APY⁴ (aka. interest you earn on the money in Firstcard)
- Firstcard+ members can enjoy 4.25% APY⁴.
(The national average interest rate on savings accounts is 0.45% APY⁵)

SECURITY AND SUPPORT YOU CAN TRUST
- Your money is insured up to the maximum amount of $250,000 by the FDIC through Regent Bank. (backed by the U.S. government).
- The Firstcard credit card is issued from Mastercard®.
- Our team is based in the US and we are headquartered in the Silicon Valley.


Disclaimer:
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.

¹Valid for 18+ and subject to account approval.

²Merchant 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. The following transaction categories are NOT qualifying purchases: 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. 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.

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.”

⁴The Annual Percentage Yield ("APY") for the Deposit Account is variable and may change at any time. The disclosed APY is effective as of October 2023. Account fees may reduce earnings. Users without SSN or ITIN on file are not currently eligible to earn interest. No minimum balance is required.

⁵According to the FDIC, the national average interest rate on savings accounts is 0.45% APY (as of September 18, 2023). https://www.fdic.gov/resources/bankers/national-rates/.
Updated on
May 15, 2024

Data safety

Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
This app may share these data types with third parties
Personal info and Financial info
This app may collect these data types
Location, Personal info and 5 others
Data is encrypted in transit
You can request that data be deleted

Ratings and reviews

3.4
26 reviews
Melonie Hendl
July 29, 2022
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
1 person found this review helpful
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Amber Montenaro
October 15, 2022
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!!!!!
1 person found this review helpful
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Firstcard, Inc
November 8, 2022
Hi Amber, we sincerely apologize for the trouble you had with your Cash App transfer. Instant Cash App transfers previously took 2 business days to post funds to your Firstcard account. We've recently enabled these instant transfers to now happen "instantly" and we hope you enjoy the new feature. We really appreciate your feedback!
manny
February 3, 2024
I like a lot I just wish this platform had automatic
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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.