Firstcard: Credit Builder Card
May 08, 2025
More About Firstcard: Credit Builder Card
- Build your credit score every time you spend
- Accepts immigrants, international students, foreigners, and non-US citizens without an SSN¹– apply with a passport
- No credit check or hard inquiry
- No overspending
- No interest, overdraft fee, late payment fee, or account minimum requirement
- We can approve your credit card application regardless of your credit history¹
- We report to all 3 major credit bureaus: TransUnion®, Equifax® and Experian®
- Applying for Firstcard does not impact your credit score
EARN CASHBACK² EVERY TIME YOU SPEND
- Earn up to 15% Merchant Cashback at 29,000 partner merchants
- Earn up to 10% Random Cashback on all qualifying purchases
- Get an additional 1% cashback on all qualifying purchases with Firstcard+³
GROW YOUR MONEY OVER TIME
- Firstcard Standard members can earn 0.75% Annual Percentage Yield⁴ (APY)
- Firstcard+ members can earn 2.00% APY
- Firstcard Premium members can earn 4.00% APY
(The national average interest rate on savings accounts is 0.45% APY⁵
EQUAL ACCESS FOR EVERYONE
- Accept immigrants, international students, foreigners, and non-US citizens without an SSN¹
- Have no credit score or low credit score? No problem. We can approve your credit card application regardless of your credit history.
SECURITY AND SUPPORT YOU CAN TRUST
- Your money is FDIC-insured up to $250,000 through Regent Bank, member FDIC.
- The Firstcard credit card is issued pursuant to a license from Mastercard® International Inc.
- Our team is based in the US and we are headquartered in Silicon Valley.
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Disclaimer:
The Firstcard credit cards are issued by Regent Bank, pursuant to a license from Mastercard® International Inc. Firstcard is a financial technology company, not a bank. Banking services are provided by Regent Bank; Member FDIC. FDIC deposit insurance up to $250,000 per qualified customer account on a "pass-through" basis; FDIC insurance only covers failure of insured depository institutions. Certain conditions must be satisfied for pass-through FDIC deposit insurance to apply.
¹Valid for 18+ and subject to account approval.
²Merchant Cashback: The amount of cashback is determined by the transaction and participating merchants. Random Cashback: Users will receive up to 10% of random cashback on qualifying purchases. Cashback is awarded within 7 days of the eligible transaction posting to your account. Accounts must be open at the time cashback rewards are being awarded or cashback will be forfeited. No minimum balance required to earn cashback. See firstcard.app/random-cashback-policy.
³Firstcard+ 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.
⁴APY for the Deposit Account is variable and may change at any time. The disclosed APY is effective as of November 2024. Account fees may reduce earnings. Users with no SSN or ITIN on file are not currently eligible to earn interest. No minimum balance is required.
⁵Source: According to the FDIC, the national average interest rate on savings accounts is 0.45% APY (as of October 21, 2024). https://www.fdic.gov/resources/bankers/national-rates/.
Latest Version
2.3.42
May 08, 2025
Firstcard, Inc
Finance
Android
36,246
Free
com.firstcard.firstcard
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User Reviews
Karen Wordlaw
1 month ago
I made an excellent choice
Lakeefe Holiday
3 months ago
Internal junk why it has to be like this why no no no I will never download this again
Neo Ntsala
1 month ago
is the app only for Americans? I am from South
Reymon Borroto
2 weeks ago
cool app...very useful...
Anne Underwood
3 months ago
Rebuilding credits hard I'm giving it a go ill let u know how it goes
Amber Montenaro
2 years ago
Horrible!! I linked my card to cash app and transferred $24 to it well they declined the transfer but didn't send my money back to my cash app!!!!!
Melonie Hendl
2 years ago
I opened a account and waited what seemed like forever for my card to finally come then when I get it they wouldn't allow me to activate it bc I had a returned transfer before I even received my card in the mail. So I wrote customer service and was told they didn't know when or if at all if I'd be able to activate my card but that they would ask coworkers then let me know and its now been 5 days with no response and I've been messaging customer service the past 3 days & no reply
Juan Pablo
7 months ago
Great app. I love the Service offer. The customer service for anybody looking to build their credit. Firstcard is the way to go.
Greg Thompson
9 months ago
At first I were a bit worried. I needed a credit card that I can use for car rentals. since current build card screwed me over . It arrived before the 12 day mark also the customer service by email is faster than most of the top dogs .zurp was my go to but they went under this will do I'm happy with
Nova Bragg
4 months ago
very user friendly and handy when trying to repair your credit
TM Gerber
2 months ago
SCAM... immigrants do not nor will ever have a credit report in the USA due to them not having a SSN!!!
nathaniel taylor
2 months ago
I think this is a good card for anyone starting there credit journey
Michael Jones
3 weeks ago
So far so good, neeed to deposit more than $300. Thanks
Jesse Leiby
9 months ago
This is a great card and app, but they are not up front about the fees involved. It costs money to have the card sent to you and it costs money to transfer cash into your account. My first deposit did not have a fee, but my second deposit cost me money. Was not much but had I known any of this I probably would not have got this card.
franklin merkle
3 months ago
I love the 1000$ digital card and the no credit check or interest rate is 0$ and no fees it's a great way to billed credit
Robert Alexander
1 week ago
DONT EVER USE THIS APP. ITS A SUBSCRIPTION THAT NEVER GOES AWAY FOR A DEBIT CARD YOU CAN NEVER USE. 4.99$/MONTH IS CHARGED 48$ INITIALLY. YOU GET NOTHING. GOOD LUCK TRYING TO UNSUBSCRIBE. YOU WILL SEE Gpay charges going through 'transactions' on this app that have nothing to do with it. Also: even if you have verified gpay with multiple cards, using a mobile app with Gpay will always fail. Fast food, mobile orders ect. Somehow under transactions in this app, they show up! HOW DO YOU CANCEL??
Chicago Ernest
3 weeks ago
I would highly recommend that it be very easy to build cash back. 1000/10
Phoebe “Kandi” Jones
2 months ago
Won't let me sign up keeps saying failed human verification but never gave me one tried several attempts with diff emails then finally it worked and said sorry too many attempts
Stacy Lohse
2 weeks ago
cant find a way to cancel account even when you follow the prompts in settings. total nonsense. and it won't let me remove my debit card because of the subscription.
Samantha Ocampo
1 month ago
I have been trying to get a card for the longest time,it took forever to review my application, and after I was approved I haven't been able to even choose between a physical card or just a virtual one. The next screen that pops up says they need to review my application.
