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.

The Annual Percentage Yield ("APY") for the Deposit Account is variable and may change at any time. The disclosed APY is effective as of November 7, 2024. . For cardholders without an SSN, credit monitoring and APY features are unavailable. For ITIN cardholders, APY feature is available; however, credit monitoring remains unavailable. No minimum balance is required. Firstcard Standard members are eligible for 0.75% APY. Firstcard+ members are eligible for 2.00% APY. Firstcard Premium members are eligible for 4.00% APY. Annual fees and other fees may impact your yield.

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Firstcard Premium 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 January 10, 2025: https://www.chase.com/content/dam/chase-ux/ratesheets/pdfs/rdfl1.pdf

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Data pulled from Bank of America as of January 10, 2025: https://www.bankofamerica.com/deposits/bank-account-interest-rates/

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Data pulled from Wells Fargo as of January 10, 2025: https://www.wellsfargo.com/checking/prime/

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Data pulled from Discover It Secured Credit Card as of January 10, 2025: https://www.discover.com/credit-cards/secured/

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Data pulled Chase Freedom Unlimited credit card from as of January 10, 2025: 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 January 10, 2025: 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 0.42% APY (as of December 16, 2024). https://www.fdic.gov/resources/bankers/national-rates/.

Source: Firstcard User Data. Firstcard user data shows that users with a credit score below 500 observed an average increase of 52 points within 3 months of their first purchase using Firstcard with on-time payment. On-time payment history can have a positive impact on your credit score. Late payment may negatively impact your credit score.