Firstcard® Secured Credit Builder Card
The No APR Credit Card
Looking to build credit with 0% APR? Firstcard has you covered! No intro rates, no surprises, just 0% APR that stays at zero.
What is a No APR Credit Card?
A no APR credit card is one where you will not be charged interest and APR. Many no APR credit cards promote 0% APR intro rates that can last up to 21 months. However, once the intro period ends, the APR can jump to nearly 30%.
Firstcard is one of the best no APR credit cards because we keep your APR at 0%. No matter how long you've been a customer, your APR stays at 0% long past the intro period. That way, you can focus on building credit safely.
About No APR Credit Cards
Unlike Firstcard, many no APR credit cards promote 0% APR intro rates as a way to attract customers. Intro rates typically last no longer than 21 months and if the card user is unaware that their APR rate increases, they can easily begin to accumulate large amounts of debt if they carry a balance.
For example, if you have an unpaid balance of $1000 and your APR rate increases to 27% after your intro period, you will need to pay an additional $305.41 in interest if your balance remains unpaid for 12 months.
Firstcard vs. Other 0% APR Credit Cards
Firstcard is one of the best no APR credit cards, and one of very few secured credit cards on the market, that offers 0% APR beyond the intro period. Our goal is to help customers build credit safely, not profit off of a lack of financial knowledge. With Firstcard's no APR credit card, you don't need to worry about overspending or paying interest on your credit card. You'll get to focus on growing your savings and building credit fast!
BankAmericard®13
CITI® SECURED14
0%
Up to 25.24%
Up to 29.99%
Apply with No SSN
No Hard Credit Check
APR (after intro period)
How to Apply for a No APR Credit Card
Applying for a no APR credit card can be easy, but it's crucial to research first. Many have no APR credit cards have high APR rates up to nearly 30% that take effect after the 0% APR intro period ends. Here are some tips for easy approval:
Research No APR Credit Cards:
Before applying, make sure to do adequate research into which no APR credit is best for you. Take into consideration your ideal credit limit, fees, APY, and rewards before coming to a decision.
Check Your Eligibility:
Most no APR credit cards require you to be 18 years of age or older in order to open an account. Many no APR credit cards also require SSN for approval. If you do not have an SSN, Firstcard is a great choice as no SSN is needed for approval!
Gather Necessary Documents:
You may be asked to provide: proof of income, Social Security Number (SSN) and/or ITIN, Passport, Visa, and other personal information. Make sure you have these documents close by before applying for your no APR credit card.
Apply For Your Credit Card:
Depending on the requirements, you will need to apply online or in person for your no APR credit card. With Firstcard's no APR credit card, you can apply online and start building credit in as little as 1 day.
Start Building Credit:
Once approved for your no APR credit card, start building credit by making on time payments. Make sure you are paying your balance off in full each month rather than just paying the minimum payment.
Apply for Your No APR Credit Card
Step 1: Gather necessary documents to apply for your first credit card. To get started with your Firstcard application, make sure you meet the following requirements:
1
Age Requirement:
You must be at least 18 years old.
Proof of U.S. Residency:
Provide a legal U.S. residential address.
Valid Government-Issued ID:
This can be a State ID, Driver's License, or Passport.
SSN or ITIN:
If you don't have an SSN, you'll need two documents:
- A Passport
- Either a U.S. Visa or an ITIN
Step 2: Apply for Firstcard® Secured Credit Builder Card today. You're pre-approved. No credit checks or hard inquiry.
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Step 3: After approval, add money to your Firstcard and start using your Firstcard with purchases
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Step 4: Turn on Autopay to make sure you make on-time payments.
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Step 5: Firstcard will report your good on-time spending behavior to all three major credit bureaus: Equifax®, Experian®, and TransUnion®.
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Security & support you can trust
Safe and Secure
Firstcard uses industry-standard encryption technology to ensure your account and information are safe and secure.
Powered by Mastercard
Powered by Mastercard with Zero Liability Fraud Protection guarantee for unauthorized charges.
Frequently Asked Questions
What are the eligibility requirements for this card?
In order to be eligible for Firstcard's no APR credit card, you need to:
- Be 18 years of age or older
- Be able to provide proof of address at a legal U.S. residential address
- Have a valid Government-Issued ID (This can be a State ID, Driver's License, or Passport)
- Have an SSN or ITIN
- If you don't have an SSN, you'll need two documents:
- A Passport
- Either a U.S. Visa or an ITIN
- If you don't have an SSN, you'll need two documents:
How do I earn rewards with this card?
With Firstcard's no APR credit card, earning rewards is easy! You'll earn up to 15% cashback when you shop in-store or online at any of Firstcard's 29,000+ partner merchants with your no apr credit card. You'll also earn up to 10% random cashback on all qualifying purchases and when you subscribe to Firstcard Premium, you can earn up to 4.00% APY on the balance in your account and unlimited 1% cashback on all purchases. The best part is you don't need to activate any of these offers in the app as they are automatically applied as you spend!
Are there any fees associated with Firstcard's no APR credit card?
With Firstcard's no APR credit card, the only upfront fees are the plan fees which recur monthly or annually depending on the plan you select. Fees start as low as $4.99/month for Firstcard Standard and go up to $120/year for Firstcard Premium
Can I transfer balances from other credit cards and get the 0% APR?
With most credit cards, you can transfer balances from other credit cards during your 0% APR introductory period. Please note that the amount cannot exceed the credit limit of the card you are transferring the balance to. There also may be a fee depending on your no APR credit card.
With Firstcard's no APR credit card, we do not allow balance transfers as we do not extend a credit line. Firstcard's no APR credit card is a secured card where what you deposit into your account is what you can spend. Using your Firstcard no APR credit card responsibly helps to increase your credit score over time.
What purchases qualify for the 0% APR?
On a no APR credit card, balance transfers and new purchases such as groceries, dining out, gas, shopping, phone bills and more all qualify. Cash advances typically don't qualify, but it varies depending on your no APR credit card.
What happens after the introductory APR period ends?
After the introductory period ends on your no APR credit card, your APR rate can increase up to 30%. At this point, any unpaid balances will start to incur interest so it's imperative to pay balances off promptly once your intro period ends to avoid debt.
With Firstcard's no APR credit card, there is no intro period. Instead, we keep you APR at 0% forever! Firstcard is one of very few secured credit cards that offer 0% APR indefinitely. This makes it one of the best secured no APR credit cards for people looking to avoid APR.
How long is the 0% introductory APR period?
The 0% introductory APR period varies depending on the no APR credit card you have. Typically this introduction period ranges from 6 months to 21 months. If you plan on leveraging 0% APR during your intro period, make sure you are aware of when the intro period ends and what your APR will increase afterwards. If possible, try to ensure all debts on your no APR credit card are paid off before the introductory period ends.
What does "0% introductory APR" mean?
0% introductory APR means that you will not be charged interest on purchases or balance transfers made using your no APR credit card during the introductory period. This is usually a promotional offer from credit card issuer to incentivize you to open their card. After the introductory period (typically around 6-21 months), regular APR applies to your remaining balance.
With Firstcard's no APR Credit card, we don't take away the 0% APR offer. Customers can enjoy 0% APR as long as they are Firstcard customers!
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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
