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
The best credit builder cardfor students
The best credit builder cardfor students
Build credit early, earn cashback, and grow your savings - all in one place.
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Jumpstart your credit journey
Quickly. Safely. Stress-free.
Build your credit score every time you spend
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No more overspending
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No late payment fees or interest fees
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Accept international students without SSN 1
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 12most-loved educational platforms
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Get 1% unlimited Cashback withFirstcard Premium
Whether it's coffee, groceries, dining, or online shopping, enjoy unlimited 1% cashback on every purchase you make domestically.
Earn up to 4.00% APY1 on your money
The national average interest rate on savings accounts is 0.42% APY12.
We are not greedy. We want to offer our members a much better rate so they can grow their money faster.
Why Firstcard Is a Great Choice for Students
Before expanding to immigrant, international, and underserved credit markets in 2024, Firstcard was originally designed to help college students build credit early and safely. See why Firstcard is still one of the best choices for students below:
No Overspending
A common fear amongst students when getting a credit card is overspending. What makes Firstcard a great credit card for students, is that what you deposit is what you can spend. This means you will never spend more than you have available!
Earn Cashback
Firstcard is a good credit card for students as it is designed to reward students with cashback when they spend at popular retailers on campus and nearby. Firstcard Premium offers unlimited 1% cashback on every purchase.
0% APR
Did you know most student credit cards have a variable APR ranging from 17.49% - 26.49%? Firstcard is a better credit card for students as there is 0% APR. This means you will never have to worry about accumulating large amounts of debt that can negatively impact your credit score and be hard to pay off.
You're Pre-Approved
Many student cards require a cosigner or proof of income in order to get approved. Firstcard is a better credit card for students because you're already pre-approved regardless of income. You won't need to go in person to apply or need a cosigner for approval. Simply apply online with your SSN or Passport.
Build Credit Early
Did you know that your credit score can impact everything from student loans to financing a car and even buying a home down the line? That's why it's crucial to start building credit early. Firstcard is a good credit card for students as it offers in app credit monitoring and credit reporting to all three major credit bureaus helping to build your credit steadily and safely.
Frequently Asked Questions
Why should I get a credit card as a college student?
Getting a credit card for college students is a smart move because it helps build your credit history early, which is essential for future financial opportunities. A credit card for college students also teaches you how to manage credit responsibly and can provide access to emergency funds. Additionally, many credit cards for college students offer cashbacks and benefits tailored to young adults. Firstcard is a great first credit card option for college students as it helps students build credit safely and offers rewards like up to 15% cashback at thousands of partner merchants near campus.
What are the benefits of Firstcard for college students?
Firstcard offers numerous benefits for college students:
- Credit Building: Establish your credit history earlier than others
- Budgeting:With Firstcard what you deposit it what you can spend. This helps ensure that you don't spend beyond your means
- Rewards: Earn unlimited 1% cashback on every purchase
- High APY: Get 0.75% APY on the money in your account when you open a credit card with Firstcard, get 2.00% APY when you subscribe to Firstcard+, and get 4.00% APY when you subscribe to Firstcard Premium. (Non-US residents are not eligible for APY4)
- Apply without an SSN or credit history: Firstcard accepts international students without an SSN. International students can apply for Firstcard with their passports
What are some things to consider before getting a student credit card?
When choosing a student credit card, it's essential to consider several factors to ensure it meets your needs. With Firstcard, you can rest assured that we've got you covered:
- Interest Rates: with Firstcard there is 0% APR
- Fees: Starting at only $4.99/month you can grow your savings and build your credit with Firstcard.
- Credit Limit:With Firstcard what you deposit is what you can spend meaning you have full control over your "credit limit". This ensures that factors like your credit utilization ratio won't negatively impact your score.
- Rewards Program:Firstcard's cashback offerings are tailored to student spending habits, allowing you to earn points on everyday purchases like groceries, dining, and school supplies. Firstcard Premium members earn an unlimited 1% cashback on all purchases.
- Credit Building Tools:Firstcard reports on time payments to all three credit bureaus (Experian, Equifax, TransUnion) which helps build your credit score. Firstcard+ and Premium members have access to their credit report at all times allowing you to monitor your credit score as frequently as you'd like!
How can I use a credit card responsibly as a college student?
To use a credit card for college students responsibly, follow these tips:
- First, open a credit builder card or secured credit card like Firstcard to help you build credit early
- 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 send
- 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!
How is Firstcard different from other credit cards for college students?
Firstcard stands out from other credit cards for college students by offering unique benefits tailored to their needs. First, Firstcard accepts immigrants, international students, and foreigners without an SSN, making credit building accessible for all. It helps people build credit faster without requiring a credit check or hard inquiry. With Firstcard, you can earn up to 15% cashback at selected merchants while building your credit. Additionally, it offers bilingual customer support in English and Spanish, ensuring a smooth experience for diverse users. With a 0% APR and up to 4.00% APY with Firstcard Premium, Firstcard is a cost-effective way to build credit efficiently and safely.
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
