Better credit card for college students

Build credit early, earn cashback, grow your savings all in one place.

As seen in

A whole new way to build credit:

What you deposit is what you can spend

Here’s how Firstcard works
When you open an account with Firstcard, you will get both a bank account and a credit card.
1
Apply for Firstcard
2
Move money into Firstcard bank account
3
Build credit by spending with Firstcard
Your money is FDIC-insured up to $250,000 through Regent Bank, a member of FDIC
Info
What does FDIC mean?

The best way to build credit for college students

Build your credit score every time you spend

No more overspending

No annual fee, late payment,
or interest

Accept international students without SSN1

We’re not like the others.

No credit checks
No overspending risk
Accept International students without an SSN
APY (Interest you earn on deposit) Info
APR (Interest you pay)
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1.25% with Firstcard
4.25% with Firstcard+4
0%
Up to 28.24%9
20.49%-29.24%10
26.24%11
Discover Secured Card
Chase Freedom Credit Card
Bank of America Secured Card
No credit checks
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No overspending risk
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Accept International students without an SSN
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APY (Interest you earn on deposit)
1.25% with Firstcard
4.25% with Firstcard+5
APR (Interest you pay)
0%
Discover Secured Card
No credit checks
No overspending risk
Accept International students without an SSN
APY (Interest you earn on deposit)
APR (Interest you pay)
Up to 28.24%9
Chase Freedom Credit Card
No credit checks
No overspending risk
Accept International students without an SSN
APY (Interest you earn on deposit)
APR (Interest you pay)
Up to 29.24%10
Bank of America Secured Card
No credit checks
No overspending risk
Accept International students without an SSN
APY (Interest you earn on deposit)
APR (Interest you pay)
Up to 26.24%11
Info
What is APR?

Credit building for every student, including international students

Accept international students without SSN2

No credit check or hard inquiry

Approve application regardless of your credit history1

Earn up to 15% Merchant Cashback2 at 29,000 partner merchants around your campus

Whether it's groceries, dining, or online shopping, enjoy cash back rewards that put your money back right in your pocket!

Get up to 10% Random Cashback3 on all purchases

Play the spinning wheel in the app to earn up to 10% bonus cashback after every purchase.
Yes, you heard it right—you get bonus cashback on every purchase.

Earn up to 4.25% APY on your money

The national average interest rate on savings accounts is 0.6% APY. 

We are not greedy. We want to offer students a much better rate so students can grow their money from day one.

APY
1.25%
4.25%4
Chase
0.01%6
Bank of America
0.01%7
Wells Fargo
0.01%8
Info
What is APY?

Upgrade to Firstcard+5

Free
5
$4.99/mo
or
$48/yr
APY Info
1.25%
4.25%4
Credit Monitor feature
_
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Additional 1% Cashback on top of Merchant Cashback2 and Random Cashback3
_
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Foreign transaction fee
1.5%
Free
APY Info
1.25%
Credit Monitor feature
_
1% Cashback + Merchant Cashback2 and Random Cashback3
_
Foreign transaction fee
1.5%
5
$4.99/mo or $50/yr
APY Info
4.25%
Credit Monitor feature
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1% Cashback + Merchant Cashback2 and Random Cashback3
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Foreign transaction fee
Free
Credit Monitoring feature is not available to international students without an SSN.

Security & support
you can trust

Security and safety is Firstcard’s top priority. Firstcard uses industry standard encryption technology to ensure your account and information is safe and secure. 
Money in your Firstcard account is insured up to the maximum amount of $250,000 through our bank partner, Regent Bank, a member of FDIC. Info
Powered by Mastercard with Zero Liability Fraud Protection guarantee for unauthorized charges.

We are transparent

  • No hidden fees.

  • No annual fees.

  • No interest fees.

  • No late fees.

  • No overdraft fees.

  • No setup fees.

Multilingual Customer Support

To better serve our diverse community, we now offer customer support in five languages: English, Chinese, Japanese, Spanish, and Portuguese.

Reviews

See what our users love about us.
Really helps me not overspend

Firstcard  is really helpful because it allows me to not overspend and be more frugal about what I’m spending every month.
Overall I really have been enjoying my Firstcard and have been recommending it to friends.

Jessicaxnguyen
Super cool concept for college students!

Firstcard's high cash back program is an awesome way for college students to get money back without even trying. The app design is super user friendly as well.

MichelleKK2016
Great for helping young college students build credit

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.

Anthony Wang
Easy to use credit builder card

Firstcard has made it so easy for me to manage my money and get great cashback deals.

Hannah Semaya
It’s perfect for college students

I'm getting cashback on a lot of the purchases and I'm using that all for savings for a trip.

Lucas
Best card for college students

One of the best cards for college students. The app is also very easy to use.

Jansan2
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Build your credit early with Firstcard.

This is the best first card you need.