A higher rate that beats many banks.

Grow your money faster and earn more interest on your money with up to 4.25% APY when you use Firstcard.

Your money is FDIC-insured up to $250,000 through Regent Bank, a member of FDIC
Info

A higher rate that beats many banks.

Grow your money faster and earn more interest on your money with up to 4.25% APY when you use Firstcard.

Your money is FDIC-insured up to $250,000 through Regent Bank, a member of FDIC
Info
Firstcard Learn

What is APY?

APY is short for "annual percentage yield," which is the interest you earn in a year by putting your money into a bank account. 

Unlike a simple interest rate, APY factors in compounding and it helps your cash grow faster than simple interest. The higher the APY, the more you earn!
That's why it's important to consider APY when you look for a bank account. Firstcard offers an APY rate that's 100x higher than many banks!

Earn a much higher APY with Firstcard1.

Supercharge your money with a higher APY. Firstcard members earn 1.25% APY and Firstcard+ members enjoy a higher 4.25% APY on the money in Firstcard Bank Account.

See how much money you could be growing

Use this calculator to compare how much more money you could be growing with Firstcard vs. other banks.

$Value
4.25% APY
$Value
1.25% APY
$Value

Chase2

0.01% APY
$Value

Bank of America3

0.01% APY
$Value

Wells Fargo4

0.01% APY

Savings account structure in traditional banks is broken

Traditional banks still requires customers to transfer funds between checkings and savings accounts to earn an APY. This doesn’t make sense to us.

So, we simplified the process. Members can earn up to 4.25% APY on their money in Firstcard without the unnecessary steps.

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
icon check
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.

Powered by Mastercard with Zero Liability Fraud Protection guarantee for unauthorized charges.

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.