A higher rate that beats many banks.
Grow your money faster and earn more interest on your money with up to 4.00% annual percentage yield (APY4) when you use Firstcard Premium.
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! Firstcard offers an APY rate that's much higher than many banks!
See how much money you could EARN
Use this calculator to compare how much more money you could earn with Firstcard vs. other banks.1
your money
Save for
1 - 5 Years
4.00% APY4
2.00% APY
0.75% APY
Chase6
0.01% APY
Bank of America7
0.01% APY
Wells Fargo8
0.01% APY
Earn a high apy without the hassle
Traditional banks require transferring funds between savings and checking accounts to earn an interest. At Firstcard, we've streamlined this process, enabling members to earn a high APY without unnecessary steps.
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Firstcard uses industry-standard encryption technology to ensure your account and information are safe and secure.
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Questions About APY
What is Annual Percentage Yield (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.
What is a high-yield savings account?
A high-yield savings account is a type of savings account that offers a higher interest rate on the money you have in the account compared to traditional savings accounts, allowing your money to grow faster.
Why is APY important?
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!
How is APY calculated?
APY, or Annual Percentage Yield, is a standardized way to measure the return on a savings account, factoring in the effects of compound interest over a year. In other words, it is the interest you earn in a year by putting your money into a bank account.
Here's how APY is calculated:
APY = (1 + r/n)n - 1
r is the nominal interest rate
n is the number of compounding periods per year
Find out how much money you can earn with 4.00% APY: Firstcard's APY calculator
Here's how APY is calculated:
APY = (1 + r/n)n - 1
r is the nominal interest rate
n is the number of compounding periods per year
Find out how much money you can earn with 4.00% APY: Firstcard's APY calculator
Does Firstcard offer an APY higher than other banks?
Yes, Firstcard offers an APY rate that's 100x higher than many banks! Firstcard Standard members earn 0.75% APY and Firstcard Premium members enjoy a higher 4.00% APY on the money in their Firstcard Bank Account.
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My favorite app for finances
Whether I'm tracking expenses or making purchases, everything is just a few taps away saving me time and hassle. Firstcard has revolutionized the way I manage my finances!
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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!
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The best credit card experience!
The benefits and support provided by Firstcard are fantastic for international students. Would highly recommend to any international student looking for the best card to start building credit in the US
Omari A
Helped me build credit abroad!
The app is straightforward to use, and the financial tools have helped me manage my budget effectively. I love the peace of mind that comes with the app's security features and the easy money transfers.
Alec P
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.
Perfect for international students & immigrants!
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.
Boris M.
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.
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.
Love the app!
As an immigrant founder, I had no idea how to start building credit when I moved to the U.S. Then I learned about Firstcard through a friend. Firstcard made building credit so much easier. I was able to increase my credit score by 20+ in just a few weeks and the app is so simple to use! I'm a huge fan of Firstcard!
Yo Shibata
My favorite app for finances
Whether I'm tracking expenses or making purchases, everything is just a few taps away saving me time and hassle. Firstcard has revolutionized the way I manage my finances!
Bella H.
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 credit card experience!
The benefits and support provided by Firstcard are fantastic for international students. Would highly recommend to any international student looking for the best card to start building credit in the US
Omari A
Helped me build credit abroad!
The app is straightforward to use, and the financial tools have helped me manage my budget effectively. I love the peace of mind that comes with the app's security features and the easy money transfers.
Alec P
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.
Perfect for international students & immigrants!
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.
Boris M.
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.
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.
Love the app!
As an immigrant founder, I had no idea how to start building credit when I moved to the U.S. Then I learned about Firstcard through a friend. Firstcard made building credit so much easier. I was able to increase my credit score by 20+ in just a few weeks and the app is so simple to use! I'm a huge fan of Firstcard!
Yo Shibata
