Elige tu plan perfecto

level up with firstcard+

level up with firstcard+

CHOOSE THE RIGHT SECURED CARD FOR YOU

No credit checks. You’re pre-approved!
Build Your Credit on a Budget
Standard
$4.99/month
Credit building
Credit monitoring
In-depth credit report
Merchant Cashback
Up to 15%
Random Cashback
Up to 10%
Unlimited Cashback
0.10%
APR
0%
APY
0.75%
Foreign transaction fee
3%
Get Started
Build Your Credit
$8.99/month
Credit building
Credit monitoring
In-depth credit report
Merchant Cashback
Up to 15%
Random Cashback
Up to 10%
Unlimited Cashback
0.50%
APR
0%
APY
2.00%
Foreign transaction fee
1.5%
Get Started
Build Credit
with Cashback and APY
Premium
$12.99/month
Credit building
Credit monitoring
In-depth credit report
Merchant Cashback
Up to 15%
Random Cashback
Up to 10%
Unlimited Cashback
1%
APR
0%
APY
4.00%
Foreign transaction fee
0%
Get Started
Standard
$4.99/
month
$8.99/
month
Premium
$12.99/
month
Credit building
Credit monitoring
Up to 15% Cashback
APR
APY
Foreign transaction fee
0%
1.25%
3%
+ In-depth credit report
0%
2.5%
1.5%
+ In-depth credit report
0%
4.00%
0%
Build Your Credit on a Budget
Standard
$48/yearly
Save $11.88
Credit building
Credit monitoring
In-depth credit report
Merchant Cashback
Up to 15%
Random Cashback
Up to 10%
Unlimited Cashback
0.10%
APR
0%
APY
0.75%
Foreign transaction fee
3%
Get Started
Build Your Credit
$84/yearly
Save $23.88
Credit building
Credit monitoring
In-depth credit report
Merchant Cashback
Up to 15%
Random Cashback
Up to 10%
Unlimited Cashback
0.50%
APR
0%
APY
2.00%
Foreign transaction fee
1.5%
Get Started
Build Credit
with Cashback and APY
Premium
$120/yearly
Save $35.88
Credit building
Credit monitoring
In-depth credit report
Merchant Cashback
Up to 15%
Random Cashback
Up to 10%
Unlimited Cashback
1%
APR
0%
APY
4.00%
Foreign transaction fee
0%
Get Started
Standard
$4.99/year
Save $11.88
$84/year
Save $23.88
Premium
$120/year
Save $35.88
Credit building
In-depth credit report
Up to 15% Cashback
APR
APY
Foreign transaction fee
0%
1.25%
3%
+ Credit monitoring
0%
2.5%
1.5%
+ Credit monitoring
0%
4.00%
0%
free
$4.99/month
or
$48/year
APY
0.75%
2.00%4
Credit monitoring feature
Additional 1% cashback on top of Merchant Cashback2 and Random Cashback3
Foreign transaction fee
1.5%
Free
Free
APY
1.25%
Credit monitoring feature
Additional 1% cashback on
top of Merchant Cashback2
and Random Cashback3
Foreign transaction fee
1.5%
Get Started
$4.99/month
or
$50/year
APY
4.25%
Credit monitoring feature
Additional 1% cashback on
top of Merchant Cashback2
and Random Cashback3
Foreign transaction fee
Free
Upgrade
For cardholders without an SSN, credit monitoring and APY features are unavailable.
For ITIN cardholders, APY feature is available; however, credit monitoring remains unavailable.

Get an in-depth credit report every month

All Firstcard members can monitor credit score right in the app. Firstcard+ and Premium members will get an in-depth credit report every month.

Earn cashback while building credit

Earn up to 15% in Merchant Cashback, Random Cashback, and Unlimited Cashback as you build your credit.

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, a member of FDIC.
Powered by Mastercard
Powered by Mastercard with Zero Liability Fraud Protection guarantee for unauthorized charges.

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)
0.75% with Firstcard Standard
2.00% with Firstcard+
4.00% with Firstcard Premium5
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

We're transparent with fees

  • No APR or interest
  • No late fees.
  • No overdraft fees.
  • No setup fees
  • No minimum deposit requirement

our users love us

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.
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.
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 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.
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
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
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.
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.
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 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.
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
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
You’re pre-approved

join Firstcard today for only

$4.99 a month

  • Build credit faster, cheaper, and safer.
  • No credit checks or hard inquiry. Accepts immigrants and internationals
without an SSN
  • 0% APR (vs. Discover and BOA up to 28.24% APR)
  • Earn APY (aka. interest you earn on deposits)
  • Earn up to 15% cashback at 29,000 partner merchants and up to 10% Random Cashback
  • Multilingual support in English, Chinese, Japanese, Spanish, and Portuguese.
We report to all 3 major credit bureaus