Firstcard® Secured Credit Builder Card
- No Minimum Deposit: Start building credit without the barrier of a required minimum deposit.
- 0% APR: Enjoy interest-free credit building with a 0% Annual Percentage Rate.
- No Annual, Overdraft, or Late Fees: Experience transparent banking with no hidden charges.
- Cashback Rewards: Earn up to 15% cashback at over 29,000 partner merchants.
- High-Yield Savings: Benefit from up to 4.25% APY on savings with the Firstcard+ subscription.
- Credit Monitoring: Monitor your credit score directly within the app with Firstcard+.
- No Credit Check: Apply without a credit check or hard inquiry, making it accessible for those with limited
- SSN Not Required: Available to international students, immigrants, and others without a Social Security Number.
Information - Rates - Fees
Card for Bad Credit
Digital Card
Instant Decision
New to the USA
No Credit / New to Credit
No Credit Check
Starter
Teen Debit
Young Adults
Reward Card
Balance Transfers
Other Fees
Purchase Fee: $0
Card Load Fee: 1% via U.S. debit card
Cash Reload Fee: N/A
Customer Service (Calls): $0
Inactivity Fee (After 12 Months): $0
Online Transaction Fee: $0
Offline Transaction Fee: $0
Card Replacement (Same Design): $0
Card Replacement (Different Design): $8.99
Balance Inquiry Fee: $0
Foreign Transaction Fee: 1.5% or 3% (depends on plan)
ATM Withdrawal Fee: $2.50 per transaction
Card Delivery Fee (Standard): $8.99
Card Delivery Fee (Expedited): $18.99
Returned Payment Fee: N/A
Minimum Deposit: $0 (no deposit required)
Maximum Credit Limit: Varies by account approval
Review by CreditCardsLab
The Firstcard Secured Credit Builder Card is an innovative solution for individuals aiming to establish or rebuild their credit profiles. Unlike traditional secured credit cards, which often require substantial minimum deposits and impose high interest rates, Firstcard eliminates these barriers by offering no minimum deposit and maintaining a 0% APR. This approach ensures that users can focus on responsible spending without the concern of accumulating interest.
A notable feature of Firstcard is its accessibility. The card is available to international students, immigrants, and individuals without a Social Security Number, broadening the scope of those who can benefit from credit-building opportunities. The absence of a credit check or hard inquiry during the application process further enhances its appeal to those with limited or no credit history.
Beyond its primary function of credit building, Firstcard offers attractive perks such as up to 15% cashback at over 29,000 partner merchants, providing tangible rewards for everyday spending. For those seeking enhanced benefits, the Firstcard+
Features
- No credit check required
- Up to 15% cashback rewards
- Reports to all three major credit bureaus
- Mastercard global acceptance
- Foreign transaction fees
- ATM withdrawal fee
Rewards & Benefits
Other Rewards
- FDIC-insured accounts
- No overspending risk
- Multilingual customer support
- Mastercard global acceptance
- Mastercard travel rewards
- Mastercard standard benefits
- Unsafe spending categories block
- Chip & PIN-protected transactions
- Easy PIN recovery in the app
- Freeze / Unfreeze spending on cards
See the website for more other benefits
*The information provided for Firstcard® Secured Credit Builder Card is believed to be accurate at the time of evaluation (Mar 5, 2025). We strongly advise visitors to review the fees, terms and conditions to verify accuracy of the information posted prior to applying for the product.
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