The best credit builder card
for students

The best credit builder card
for students

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

Jumpstart your credit journey

Quickly. Safely. Stress-free.
Build your credit score every time you spend
No more overspending
No annual fee, late payment, or interest
Accept international students without SSN1

Why IS building credit in college important?

  • Easier access to credit
  • Lower interest rates on loans
  • More apartment lease options
  • Better access to financial products
  • Helps employment background checks

Watch how we can help you build credit fast

No overspending. No stress. Just credit building, but faster.

Build your credit in college be smart. start early.

Build your credit in college be smart. start early.

earn while you learn

get 5% cashback on 12
most-loved educational platforms

Earn up to 15% merchant cashback2

Whether it's groceries, dining, or online shopping, enjoy cashback that puts money back right in your pocket!

Get up to 10% 
Random Cashback3

Spin the wheel in the app to earn up to 10% random cashback after every purchase.

Earn up to 4.25% APY1 on your money

The national average interest rate on savings accounts is 0.45% APY12

We are not greedy. We want to offer students a much better rate so they can grow their money faster.

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

Questions From College Students

our users love us

The stress-free way to build credit in college

Firstcard has been a game-changer for my finances as a college student. The cashback rewards are fantastic, and I love that there are no hidden fees. It's perfect for managing my spending and building credit without stress.

Brody M.
A must have!

Firstcard offers a top-notch banking experience that’s convenient, secure, and reliable. From the moment I signed up I was impressed by its user-friendly interface and seamless integration. I highly recommend it to anyone looking for a modern payment solution!!

Bella H.
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.
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.
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
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
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
The stress-free way to build credit in college

Firstcard has been a game-changer for my finances as a college student. The cashback rewards are fantastic, and I love that there are no hidden fees. It's perfect for managing my spending and building credit without stress.

Brody M.
A must have!

Firstcard offers a top-notch banking experience that’s convenient, secure, and reliable. From the moment I signed up I was impressed by its user-friendly interface and seamless integration. I highly recommend it to anyone looking for a modern payment solution!!

Bella H.
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.
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.
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
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
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