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Firstcard® Secured Credit Builder Card
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The best credit builder card for international students

The best credit builder card for international 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 4.25% APY
Info
0% APR
We do not provide a credit line. What you deposit is what you can spend.
Get Started
You’re pre-approved.
Apply today! No hard credit check needed.
Get Started
You’re pre-approved.
Apply today! No hard credit check needed.

Welcome @SinghinUSA fans! Sign up for Firstcard today to build credit early, earn cashback, and grow your savings!

Seen in

No ssn? 

apply with your passport.

It doesn’t make sense to us that international students with good financial backgrounds in their home country get rejected for credit card applications in the U.S. With Firstcard, International students can apply for a credit card with their passport.
Learn more
Learn more

See why people love us

A must-have for International Students

Firstcard has been an essential tool for me as an international student from India. The app is easy to navigate and offers fantastic features tailored for students

Anika K
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
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
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 easiest way to build credit in the US!

If you’re an international student looking for the easiest way to start building credit in the US look no further! Firstcard’s credit-building features are top-notch, and the ease of use without requiring an SSN are just a few of the reasons why I love Firsctard.

Nicholas S.
Safe Credit Building with Autopay!

I love using Firstcard as an international student! The autopay feature ensures my card is always paid off on time, helping me to build credit safely. The excellent cashback rewards are a great way to save a little extra money whenever I shop or eat out. Thanks to Firstcard, I’m able to build my credit and manage my expenses effectively in the US.

Patricia P
Firstcard makes credit building fun!

Firstcard's cashback program has been a fantastic bonus for me as an international student. Earning up to 15% cashback when I dine out or buy boba and enjoying an additional 10% cashback through the app’s spinning wheel have made managing my expenses while building credit much more fun and rewarding.

Leon Y
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.
A great card for immigrants!

Getting started with Firstcard was smooth and hassle-free, even without an SSN. The app is intuitive, and the financial tools have been very helpful in managing my budget and building credit. A great card for immigrants!

Amin H.
A lifesaver

Firstcard made it incredibly easy for me to establish credit as a new immigrant. The fact that they don't require an SSN was a lifesaver and the high cashback rates are just icing on the cake!

Henry Z.
A must-have for newcomers

Firstcard's approach to helping immigrants build credit is outstanding. The customer service is very supportive, and the cashback rewards make everyday purchases more rewarding. It's a must-have for newcomers.

Vidya K.
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.
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.
The stress-free way to build credit in college

Firstcard has been a game-changer for my finances as a college student. The cashback rewards are fantastic, and I love that there are no hidden fees. It's perfect for managing my spending and building credit without stress.

Brody M.
A must have!

Firstcard offers a top-notch banking experience that’s convenient, secure, and reliable. From the moment I signed up I was impressed by its user-friendly interface and seamless integration. I highly recommend it to anyone looking for a modern payment solution!!

Bella H.
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.
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.
A must-have for International Students

Firstcard has been an essential tool for me as an international student from India. The app is easy to navigate and offers fantastic features tailored for students

Anika K
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
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
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 easiest way to build credit in the US!

If you’re an international student looking for the easiest way to start building credit in the US look no further! Firstcard’s credit-building features are top-notch, and the ease of use without requiring an SSN are just a few of the reasons why I love Firsctard.

Nicholas S.
Safe Credit Building with Autopay!

I love using Firstcard as an international student! The autopay feature ensures my card is always paid off on time, helping me to build credit safely. The excellent cashback rewards are a great way to save a little extra money whenever I shop or eat out. Thanks to Firstcard, I’m able to build my credit and manage my expenses effectively in the US.

Patricia P
Firstcard makes credit building fun!

Firstcard's cashback program has been a fantastic bonus for me as an international student. Earning up to 15% cashback when I dine out or buy boba and enjoying an additional 10% cashback through the app’s spinning wheel have made managing my expenses while building credit much more fun and rewarding.

Leon Y
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.
A great card for immigrants!

Getting started with Firstcard was smooth and hassle-free, even without an SSN. The app is intuitive, and the financial tools have been very helpful in managing my budget and building credit. A great card for immigrants!

Amin H.
A lifesaver

Firstcard made it incredibly easy for me to establish credit as a new immigrant. The fact that they don't require an SSN was a lifesaver and the high cashback rates are just icing on the cake!

Henry Z.
A must-have for newcomers

Firstcard's approach to helping immigrants build credit is outstanding. The customer service is very supportive, and the cashback rewards make everyday purchases more rewarding. It's a must-have for newcomers.

Vidya K.
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.
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.
The stress-free way to build credit in college

Firstcard has been a game-changer for my finances as a college student. The cashback rewards are fantastic, and I love that there are no hidden fees. It's perfect for managing my spending and building credit without stress.

Brody M.
A must have!

Firstcard offers a top-notch banking experience that’s convenient, secure, and reliable. From the moment I signed up I was impressed by its user-friendly interface and seamless integration. I highly recommend it to anyone looking for a modern payment solution!!

Bella H.
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.
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.

we’re not like the others

No credit checks
No overspending risk Info
Accepts international people without an SSN
APY
Info
(Interest you earn on deposit)
APR
Info
(Interest you pay)
1.25% with Firstcard‍
‍4.25% with Firstcard+5
0%
Discover Secure

Card
0%
Up to 28.24%9
Chase Freedom
Credit Card
0%
20.49% - 29.24%10
Bank of America Secured Card
26.24%11
Non-US residents are not eligible for APY

A faster way to build credit

Here’s 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
Your money is FDIC-insured up to $250,000 through Regent Bank, a member FDIC.
Info

Why Firstcard?

The best way to build credit for college students

  • Accepts international students,

    immigrants and foreigners.
  • No credit check or hard inquiry.
  • No overspending.
  • 0% APR.
  • Earn money while you spend.
You're pre-approved1
As seen in
You're pre-approved1
Get Started

EARN UP TO 15% CASHBACK 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!
Get Started

Earn up to 4.25% APY on your money

The national average interest rate on savings accounts is 0.45% APY12.
We are not greedy. We want to offer you a much better rate so that you can grow your money faster.
Info
What is an APY?
APY
1.25%
4.25%4
Chase
0.01%6
Bank of America
0.01%7
Wells Fargo
0.01%8
Get Started
Get Started

MultiLingual Customer Support

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

Security & support you can trust.

Safe and Secure
Firstcard uses industry-standard encryption technology to ensure your account and information are safe and secure.
Insured up to $250,000
Money in your Firstcard account is insured up to the maximum amount of $250,000 through our bank partner Regent Bank, member FDIC.
Powered by Mastercard
Powered by Mastercard with Zero Liability Fraud Protection guarantee for unauthorized charges.

Invest in your future

Start building credit today

Get Started
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© 2024 Firstcard. All rights reserved.
FTC

The Firstcard debit and credit cards are issued by Regent Bank, pursuant to a license from Mastercard. Firstcard is a financial technology company, not a bank. Banking services are provided by Regent Bank; Member FDIC.

Forbes Featured Partner:  https://www.forbes.com/advisor/credit-cards/best/international-students/

Time Featured Partner:  https://time.com/personal-finance/article/best-credit-cards-for-students/

CNN Featured Partner:  https://www.cnn.com/cnn-underscored/money/best-credit-cards-college-students

2 

Valid for 18+ and subject to account approval. Pre-approved means that you have met the initial criteria for this credit card; however, your application may be rejected if any of the following apply: you provided incorrect information or we are unable to verify your identity under federal law; you are under 18 years old.

‍

2 

Merchant Cashback: The amount of cashback is determined by the transaction and participating merchants. See firstcard.app/cashback-policy.

‍

2 

Random Cashback: Users will receive up to 10% of random cashback on qualifying purchases. A qualifying purchase is a purchase that has been processed and accepted by the merchant and has settled in the entrant's Firstcard account. This purchase may, but not necessarily, include tips, holds, and deposits related to the qualifying purchase. Additionally, the following transaction categories are NOT qualifying purchases and will not be eligible to earn entries into random cashback: ATM withdrawals, wire transfers or cash transfers, purchasing gift cards or other cash equivalents, gambling or online casino, peer-to-peer (P2P) transfers, such as Venmo, Cash App, transfers between Firstcard users, or similar services, gambling, bill payment, prepaid phone recharge and any other transaction types that we may deem ineligible at our sole discretion. See firstcard.app/random-cashback-policy.

2 

The Annual Percentage Yield ("APY") for the Deposit Account is variable and may change at any time. The disclosed APY is effective as of July 30, 2024. Users with no SSN or ITIN on file are not currently eligible to earn interest. No minimum balance is required. Firstcard Standard members are eligible for 1.25% APY. Firstcard+ members are eligible for 2.5% APY. Firstcard Premium members are eligible for 4.25% APY. Annual fees and other fees may impact your yield.

‍

2 

Firstcard+ customers will earn an additional 1% unlimited cashback on all eligible credit card purchases. Exclusions apply. Cashback rewards are not earned on ATM withdrawals, P2P transfers, purchases of gift cards or other cash equivalents, and certain other types of transactions as determined by Firstcard. Cashback is awarded within 7 days of the eligible transaction posting to your account. No minimum balance required to earn cashback.

‍

2 

Data pulled from Chase Bank as of July 30, 2024: https://www.chase.com/content/dam/chase-ux/ratesheets/pdfs/rdfl1.pdf

‍

2 

Data pulled from Bank of America as of July 30, 2024: https://www.bankofamerica.com/deposits/bank-account-interest-rates/

‍

2 

Data pulled from Wells Fargo as of July 30, 2024: https://www.wellsfargo.com/checking/prime/

‍

2 

Data pulled from Discover It Secured Credit Card as of July 30, 2024: https://www.discover.com/credit-cards/secured/

‍

2 

Data pulled Chase Freedom Unlimited credit card from as of July 30, 2024: https://creditcards.chase.com/cash-back-credit-cards/freedom/unlimited

‍

2 

Data pulled from Bank of America Secured Credit Card as of July 30, 2024: https://www.bankofamerica.com/credit-cards/products/secured-credit-card/

‍

‍

2 

According to the FDIC, the national average interest rate on savings accounts is 0.45% APY (as of July 15, 2024). https://www.fdic.gov/resources/bankers/national-rates/.