Build your credit early and safely

We’re making building credit faster, safer and easier.

When you open an account with Firstcard, you will get a bank account and a credit card.

What you deposit into your Firstcard bank account is what you can spend on your Firstcard credit card.
Bank Account
Bank Account Balance
Info
=
credit card
Available to spend on Credit Card

How it works

What you deposit is what you can spend

Deposit $100 into Firstcard. Your deposit determines your credit limit.

Example: If you deposit $100, you will have $100 available to spend on your Firstcard.

When you spend $20, $20 is locked from your deposit as security. This ensures that you can pay back the bank at the end of the month.
Simultaneously, our bank partner lends you $20 with 0% interest rate.
This process allows you to build credit without overspending.

Keep your Autopay enabled

The locked $20 from your deposit is automatically used at the end of the month to pay off the $20 lent by the bank.

Firstcard reports your on-time payment to all three major credit bureaus. This will help improve your credit score over time.

Safer Credit Building with Autopay

Autopay is a feature that helps you build your credit score safely.

The feature ensures on-time payment by automatically paying off your Firstcard credit card bills using the money you’ve already transferred to your Firstcard.

Monitor your Credit Score right in the app

Firstcard+ members can monitor their credit scores directly in the Firstcard app.

We update your credit score every month so you can see clearly how your credit score improves over time.

值得信赖的安全和支持

安全保障为第一
安全保障是 Firstcard 的首要任务。Firstcard 采用符合行业标准的加密技术,确保您的账户和信息安全无虞。
安全资金保障
您的 Firstcard 账户资金通过我们的银行合作伙伴 Regent 银行(FDIC 成员)投保,最高保额为 250,000 美元。
国际万事达卡
我们与万事达卡合作,万事达卡对未经授权的费用提供0责任保护。

Questions About Credit Building

our users love us

My Credit Score Skyrocketed!

Thanks to Firstcard, I boosted my credit score by over 50 points in just a few months, and I found the app incredibly easy to use! I’m a huge fan of Firstcard!

Yo Shibata - Co-Founder at Tailor (YC S22)
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
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
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.
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.
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 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.
Perfect for international students & immigrants!

Firstcard's acceptance of immigrants and international students without an SSN was a huge plus for me when I moved to the US from Russia. The sign-up process was smooth and easy, and now I'm earning cashback on all my purchases while building credit. Couldn't be happier!

Boris M.
My Credit Score Skyrocketed!

Thanks to Firstcard, I boosted my credit score by over 50 points in just a few months, and I found the app incredibly easy to use! I’m a huge fan of Firstcard!

Yo Shibata - Co-Founder at Tailor (YC S22)
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
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
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.
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.
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 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.
Perfect for international students & immigrants!

Firstcard's acceptance of immigrants and international students without an SSN was a huge plus for me when I moved to the US from Russia. The sign-up process was smooth and easy, and now I'm earning cashback on all my purchases while building credit. Couldn't be happier!

Boris M.