Firstcard® Secured Credit Builder Card
The Credit Builder Card for Students
Accepts international students without an SSN/ITIN
Build credit faster
No credit check or hard inquiry
Earn up to 15% cashback at selected merchants
Get up to 4.00% APY
0% APR
We do not provide a credit line. What you deposit is what you can spend.
You’re pre-approved.
Apply today! No hard credit check needed.
We report to all 3 major credit bureaus
You’re pre-approved.
Apply today! No hard credit check needed.
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See why people love us

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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!

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

We're not like the others.

No credit checks
Accepts international people without an SSN
APY
(Interest you earn on deposit)
APR
(Interest you pay)
4.00% APY with
Firstcard Premium 5
0%
Discover Secure
Card
0%
Up to 27.24% 9
Chase Freedom
Credit Card
0%
19.49% - 28.24% 10
Bank of America Secured Card
25.24% 11
For cardholders without an SSN, credit monitoring and APY features are unavailable.
For ITIN cardholders, APY feature is available; however, credit monitoring remains unavailable.

How firstcard works

1
Apply for Firstcard
You're pre-approved. Apply now with no risk to your credit score.
2
Move money
The amount you can spend is equal to your deposit.
3
build credit responsibly
Build credit by spending with Firstcard. We report your on-time monthly payments to all three major credit bureaus
We report to all 3 major credit bureaus

Why Firstcard?

The best way to BUILD credit

  • Accepts immigrants and international students without an SSN
  • No annual fee, late payments, or interest
  • No more overspending
  • 0% APR.
  • Build your credit score every time you spend
As seen in

Earn up to 15% cash back at 29,000+ partner merchants

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

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
premium
4.00%
Chase
0.01% 6
Bank of America
0.01% 7
Wells Fargo
0.01% 8
What is an APY?

MultiLingual Customer Support

To better serve our diverse community, we now offer customer support in five languages: English, Chinese, Japanese, Spanish, and Portuguese.

No SSN? No problem! Apply with your passport and iTIN.

It doesn't make sense that internationals and immigrants with strong financial backgrounds in their home countries are often rejected for credit cards in the U.S. without a social security number (SSN). With Firstcard, you're pre-approved for a secured credit builder card. Start building credit as soon as you arrive America!

Security & support you can trust

Safe and Secure
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
Powered by Mastercard with Zero Liability Fraud Protection guarantee for unauthorized charges.