Firstcard

Firstcard® Secured Credit Builder Card is designed to help individuals—especially immigrants, international students, non-U.S. citizens, and first-time credit builders—establish and improve their credit history in the U.S. It offers an accessible path to financial inclusion with no Social Security Number (SSN) required; applicants can use a passport to apply. Key Features: - Credit Building: Reports to all three major credit bureaus (TransUnion®, Equifax®, and Experian®). No credit check or hard inquiry during application. - Spending Controls: Prevents overspending and charges no interest, overdraft fees, or late payment fees. - Cashback Rewards: - Up to 15% merchant cashback at 29,000+ partners. - Up to 10% random cashback on qualifying purchases. - Additional 1% unlimited cashback for Firstcard+ members. - High-Yield Savings: - Standard members earn 0.75% APY. - Firstcard+ members earn 2.00% APY. - Premium members earn 4.00% APY (significantly above the national average of 0.45%). - Accessibility: Open to applicants regardless of credit history or score. - Security: Funds are FDIC-insured up to $250,000 through Regent Bank. The card operates under a Mastercard® license. Firstcard is a financial technology company partnered with FDIC-member Regent Bank to provide banking services. It aims to democratize credit access and support underserved communities in building a strong financial foundation. Terms and conditions apply. Cashback and APY rates are variable and subject to change. Eligibility requirements may vary.