Credit building for everyone
- Accepts international students, immigrants and foreigners without SSN.
- No credit check or hard inquiry.
- No overspending.
- 0% APR.
- Earn money while you spend.
Firstcard® Secured Credit Builder Card
Credit Building For All
When other banks reject you, we're the first to believe in you.
Seen in
Who's the first to believe that you are creditworthy?
We are. Let's build your credit together.
We report to all 3 major credit bureaus
boost your credit 52+ points!
Firstcard users see their credit scores increase 52+ points on average within 3 months13.
Build credit as you spend
Build credit
with every purchase
Turn everyday purchases into opportunities to grow your credit score effortlessly.
We're not like the others.
No credit checks
No overspending risk Info
Accepts international people without an SSN
APY
(Interest you earn on deposit)
APR
(Interest you pay)
4.00% APY with
Firstcard Premium 5
Firstcard Premium 5
0%
Discover Secure
Card
Card
0%
Up to 27.24% 9
Chase Freedom
Credit Card
Credit Card
0%
19.49% - 28.24% 10
Bank of America Secured Card
25.24% 11
For cardholders without an SSN, credit monitoring and APY features are unavailable.
For ITIN cardholders, APY feature is available; however, credit monitoring remains unavailable.
For ITIN cardholders, APY feature is available; however, credit monitoring remains unavailable.
Get 1% unlimited Cashback with Firstcard Premium
Whether it's coffee, groceries, dining, or online shopping, enjoy unlimited 1% cashback on every purchase you make domestically.
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Earn up to 4.00% APY 1 on your money
The national average interest rate on savings accounts is 0.42% APY 12.
We are not greedy. We want to offer our members a much better rate so they can grow their money faster.
Currently users without SSN are not eligible for APY. To earn APY, apply for an Individual taxpayer identification number (ITIN). We've partnered with an IRS-Certified Acceptance Agent to help you get your ITIN. Apply for an ITIN here today!
APY
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premium
4.00%
Chase
0.01% 6
Bank of America
0.01% 7
Wells Fargo
0.01% 8
What is an APY?
Security & support you can trust
Safe and Secure
Firstcard uses industry-standard encryption technology to ensure your account and information are safe and secure.
Powered by Mastercard
Powered by Mastercard with Zero Liability Fraud Protection guarantee for unauthorized charges.
We're transparent with fees
- No APR or interest
- No late fees.
- No overdraft fees.
- No setup fees
- No minimum deposit requirement
MultiLingual Customer Support
To better serve our diverse community, we now offer customer support in five languages: English, Chinese, Japanese, Spanish, and Portuguese.
Our Users Love Us
My favorite app for finances
Whether I'm tracking expenses or making purchases, everything is just a few taps away saving me time and hassle. Firstcard has revolutionized the way I manage my finances!
Bella H.
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 credit card experience!
The benefits and support provided by Firstcard are fantastic for international students. Would highly recommend to any international student looking for the best card to start building credit in the US
Omari A
Helped me build credit abroad!
The app is straightforward to use, and the financial tools have helped me manage my budget effectively. I love the peace of mind that comes with the app's security features and the easy money transfers.
Alec P
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.
Perfect for international students & immigrants!
This app is great to build credit and not worrying about overspending. I recommend this to college students who are in need of building strong credit.
Boris M.
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.
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.
Love the app!
As an immigrant founder, I had no idea how to start building credit when I moved to the U.S. Then I learned about Firstcard through a friend. Firstcard made building credit so much easier. I was able to increase my credit score by 20+ in just a few weeks and the app is so simple to use! I'm a huge fan of Firstcard!
Yo Shibata
My favorite app for finances
Whether I'm tracking expenses or making purchases, everything is just a few taps away saving me time and hassle. Firstcard has revolutionized the way I manage my finances!
Bella H.
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 credit card experience!
The benefits and support provided by Firstcard are fantastic for international students. Would highly recommend to any international student looking for the best card to start building credit in the US
Omari A
Helped me build credit abroad!
The app is straightforward to use, and the financial tools have helped me manage my budget effectively. I love the peace of mind that comes with the app's security features and the easy money transfers.
Alec P
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.
Perfect for international students & immigrants!
This app is great to build credit and not worrying about overspending. I recommend this to college students who are in need of building strong credit.
Boris M.
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.
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.
Love the app!
As an immigrant founder, I had no idea how to start building credit when I moved to the U.S. Then I learned about Firstcard through a friend. Firstcard made building credit so much easier. I was able to increase my credit score by 20+ in just a few weeks and the app is so simple to use! I'm a huge fan of Firstcard!
Yo Shibata
- Build credit faster, cheaper, and safer
- No credit checks or hard inquiry
- Accepts international people without an SSN
- Earn APY4 (aka. interest you earn on deposits)
- 0% APR (vs. Discover and BOA up to 28.24% APR)
- Multilingual support in English, Chinese, Japanese, Spanish, and Portuguese.
We report to all 3 major credit bureaus
