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
Firstcard® Secured Credit Builder Card
Build your credit score faster in the U.S.
A strong credit score unlocks better financial opportunities in the U.S., such as lower car financing rates, better mortgage terms, easier rent approvals, access to better credit cards and more.
Start building your credit in the U.S. quickly and securely
TheITIN members are pre-approved and can apply without an SSN
No credit check or hard inquiry
Earn up to 15% cashback at 29,000+ merchants
Get up to 4.00% APY
0% APR
You’re pre-approved.
Apply today! No hard credit check needed.
We report to all 3 major credit bureaus
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You’re pre-approved.
Apply today! No hard credit check needed.
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Benefits of a strong credit in the US for INTERNATIONAL founders
Gain access to a business credit card
Secure funding to grow your business
Finance a car with better loan rates
Own a home with lower mortgage rates
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!
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Why Firstcard?
See how IMMIGRANTS successfully build credit with an ITIN
A great card for immigrants with ITIN !
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. If you are looking to build credit as an immigrant with ITIN, this is the best card you’ll find!
Amin H. - Founder of Curved® and Blue Heart Hero
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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
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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.
We're not like the others.
No credit checks
No overspending risk Info
Accepts international people without an SSN
APY
(Interest you earn on deposit)
APR
(Interest you pay)
4.00% APY with
Firstcard Premium 5
Firstcard Premium 5
0%
Discover Secure
Card
Card
0%
Up to 27.24% 9
Chase Freedom
Credit Card
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.
For ITIN cardholders, APY feature is available; however, credit monitoring remains unavailable.
rEADY TO APPLY?
Before applying to Firstcard, make sure you have all of the necessary documents ready.
Firstcard Application Checklist:
Valid Government-Issued ID
1
Proof of U.S. Residential Address
2
Social Security Number (SSN)
International Applicants Without an SSN:
If you do not have a SSN, our team will contact you via email within 1-3 business days to request the following three documents for identity verification:
- Passport
- US Visa or ITIN
- Proof of U.S. Residential Address
3
✔️ Acceptable Documents:
Only one document is needed for each of the three requirements.
Government issued ID:
- Driver's License
- State ID
- Passport
- Permanent Resident Card
Only original, valid, unexpired Government-Issued ID will be accepted. Copy or photo of your ID or expired ID will not be accepted.
1
Proof of US residency:
- Letter from your University with your address and name on it
- Utility Bill dated within 30 days
- A valid Driver's License with the same address you provided
- Credit card statement dated within 30 days
- Bank statement dated within 30 days
- Valid lease agreement showing your full name, current address, lease term, and signatures of both parties
2
Individual Taxpayer Identification Number (ITIN):
- ITIN certificate
- A tax document with your ITIN
3
Apply Now
You're pre-approved.
Apply today! No hard inquiry.
Security & support you can trust
Safe and Secure
Firstcard uses industry-standard encryption technology to ensure your account and information are safe and secure.
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