Get a credit card without an SSN.
We designed a credit card for immigrants without an SSN. Apply with your passport if you just arrived the U.S. and don't have an SSN or ITIN.
Firstcard® Secured Credit Builder Card
Get a credit card without a social security number
The first credit card for immigrants
Get a credit card and start building credit without an SSN or ITIN when you first arrive the U.S.
Build your credit score from the moment you arrive in the US
Build your credit score from the moment you arrive in the US
Start building your credit score as soon as you land in the U.S. with Firstcard.
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International wire transfer
Easily send and receive money globally with our seamless international wire transfer services, whether you're supporting family, paying for education, or managing business transactions.
A card FOR everyone in the family
Get 1% unlimited Cashback with Firstcard Premium
Whether it's coffee, groceries, dining, or online shopping, enjoy unlimited 1% cashback on every purchase you make domestically.
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Earn up to 4.00% APY 1 on your money
The national average interest rate on savings accounts is 0.42% APY 12.
We are not greedy. We want to offer our members a much better rate so they can grow their money faster.
Currently users without SSN are not eligible for APY. To earn APY, apply for an Individual taxpayer identification number (ITIN). We've partnered with an IRS-Certified Acceptance Agent to help you get your ITIN. Apply for an ITIN here today!
APY
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premium
4.00%
Chase
0.01% 6
Bank of America
0.01% 7
Wells Fargo
0.01% 8
What is an APY?
Why Firstcard Is a Great Credit Card for Immigrants
Immigrants deserve financial tools that are accessible and easy to use, even without credit history in the U.S.. Firstcard enables immigrants to start building credit in the U.S. by offering features designed for those new to the system. See why Firstcard is a great credit card for immigrants below:
- No SSN Needed:
Firstcard is a better credit card for immigrants because no SSN is needed for approval. With Firstcard, you can apply with your passport along with your visa or ITIN. You are pre-approved as long as you submit the correct documents. This is a much more accessible option if you want to start building credit in the U.S. - No Credit Utilization Concerns:
Did you know that your credit utilization ratio can negatively impact your score if you spend over 30% of your credit limit? With Firstcard, what you deposit is what you can spend which ensures that there is never any risk of exceeding your credit limit which can hurt your credit score. - 0% APR:
Unlike many traditional credit cards, Firstcard offers 0% annual percentage rate (APR) making it a better credit card for immigrants worried about overspending or accumulating large amounts of debt. - No Foreign Transactions Free with Firstcard Premium:
For immigrants looking to build credit in the U.S., or while traveling abroad, Firstcard allows users who subscribe to Firstcard Premium to spend worldwide with no fees on foreign transactions. - Build Credit While Enjoying Cashback:
With Firstcard’s credit card for immigrants, you can earn up to 15% cashback and up to 4.00% APY on your savings when you subscribe to Firstcard Premium. Your responsible usage is reported to all three major credit bureaus, which helps build your credit score steadily overtime. - Bilingual Customer Support:
To better serve our diverse community of users, Firstcard offers customer support in English and Spanish. Reach out via email or by using the chat feature in the app. Our team is happy to assist you!
Build a better future with a better credit score.
Security & support you can trust
Safe and Secure
Firstcard uses industry-standard encryption technology to ensure your account and information are safe and secure.
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Questions From Immigrants
How to get a credit card for immigrants in the US?
If you are an immigrant or non-US citizen, start by looking for banks and financial institutions that offer credit cards specifically designed for immigrants. For example, you can apply for a credit card with Firstcard even without an SSN. Firstcard understands the unique needs of immigrants and does not require an SSN or credit history. With Firstcard, immigrants can get a credit card using their passports. Once you get a credit card for international students, use it responsibly to build your credit history in the U.S.
I don't have a Social Security number (SSN). Can I still get a credit card for immigrants?
Absolutely! Firstcard is one of the best credit cards for immigrants because Firstcard accepts applicants without SSN. Instead, Firstcard uses passports or an Individual Taxpayer Identification Number (ITIN) for verification, making it much easier for immigrants and non-US citizens to start building credit in the US.
To learn more about how to get a credit card without an SSN, read this article.
How can I build credit as a new immigrant without a US credit history?
As a new immigrant without a US credit history, you can build credit by obtaining a credit card for immigrants. Look for financial institutions that offer credit cards specifically designed for immigrants, which often don't require a US credit history or SSN. Firstcard is a great first card to have for new immigrants. After opening Firstcard, make sure that you pay your bills on time, as punctuality significantly impacts your credit score. More importantly, keep your credit card balances low relative to your credit limit to show responsible credit usage. The good news is that Firstcard secured credit card does not have a credit limit so you don't need to worry about exceeding the credit usage! What you deposit is what you can spend!
What are some features to look for in a credit card for immigrants?
When choosing a credit card for immigrants, look for features like no SSN requirement, low interest rates, rewards programs, and credit-building tools. Firstcard is an excellent credit card for immigrants as it helps immigrants build credit, doesn't require SSN, has 0% APR, offers up to 15% cashback at thousands of partner merchants and provides bilingual customer support in English and Spanish. Furthermore, if you have an ITIN and SSN, you can earn up to 4.00% APY on the money in your account with Firstcard Premium.
What are some tips for using credit cards responsibly as an immigrant?
To use a credit card for immigrants responsibly, follow these tips:
- First, open a credit builder card or secured credit card like Firstcard to help you build credit with every purchase.
- Second, allocate a budget each month and deposit that amount into your credit card account to ensure you never spend more than planned. You can automate this deposit by setting up direct deposit with employers or relatives.
- Third, make sure to pay your balance in full each month to avoid interest charges and build a positive credit history. With Firstcard, you can enable the Autopay feature in the app to make sure that you always make payments on time.
- Fourth, make purchases using your credit builder card so you build credit every time you spend.
- Finally, monitor your account regularly for any unauthorized transactions. Watch your credit score go up with on-time monthly payments. With Firstcard, you can monitor your credit score right in the app!
Our Users Love Us
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
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
