Firstcard® Secured Credit Builder Card

Building Credit with Ease

The Firstcard Secured Credit Builder Card is a solid choice for individuals looking to build or rebuild their credit history. Unlike traditional credit cards, Firstcard does not require a credit check, making it accessible to students, immigrants, and young professionals who may not have an established credit history. Responsible usage can significantly impact a user’s credit score over time since the card reports to all three major credit bureaus – Experian, Equifax, and TransUnion.

Many credit-building cards require a security deposit as collateral, but Firstcard eliminates this barrier by offering a no-minimum deposit option. This makes it an attractive choice for those who want to establish credit without tying up cash in a secured account. Additionally, because there are no annual fees, late payment penalties, or overdraft charges, users can build credit without unnecessary financial risks.

Subscription-Based Credit Building

Instead of charging interest or requiring a security deposit, Firstcard operates on a subscription-based model, offering a straightforward and predictable cost structure.

• Firstcard Standard: $4.99 per month ($48 annually)
• Firstcard+: $8.99 per month ($84 annually)
• Firstcard Premium: $12.99 per month ($120 annually)

This approach allows users to avoid costly APR rates and unexpected interest charges, making Firstcard a budget-friendly alternative to traditional secured cards. Unlike many entry-level credit cards with high interest rates and hidden fees, Firstcard ensures that users pay a fixed, predictable monthly cost, helping them manage their finances effectively.

Firstcard Plans Comparison

To help you decide which Firstcard plan suits your needs, here’s a detailed comparison table of the three available options:

Firstcard Standard vs. Firstcard+ vs. Firstcard Premium

Which Firstcard Plan is Best for You?

• Choose Firstcard Standard for a simple, low-cost credit-building solution with no hidden fees. It’s great for students or beginners who need basic credit reporting and some cashback benefits.
• Choose Firstcard+ if you want higher cashback rewards, lower foreign transaction fees, and credit monitoring features. This is a good middle-ground option for users who want to maximize savings and credit insights.
• Choose Firstcard Premium if you frequently travel abroad (0% foreign transaction fees), want the highest level of cashback and savings APY, and need extra perks like free premium card delivery and VIP support. This is the best choice for those who want premium benefits while building credit.

All three options offer 0% APR, no SSN requirements, and no minimum deposit, making them excellent choices for credit building. Pick the one that best aligns with your financial goals!

Cashback Rewards and Extra Perks

One of Firstcard’s biggest advantages is its cashback rewards program, which is rarely offered on secured or credit-building cards. Users can earn up to 15% cashback at over 29,000 partner merchants, making everyday purchases more rewarding.

In addition to the fixed cashback offers, Firstcard randomly grants up to 10% cash back on select purchases, providing additional savings opportunities. These cashback perks can easily offset the monthly subscription fee for frequent shoppers, making the card even more valuable.

Beyond rewards, account holders gain access to high-yield savings, with Firstcard+ members earning up to 4.25% APY on deposits – another rare benefit for credit-building cards.

0% APR & No Interest Charges

Unlike traditional credit cards, which often carry interest rates as high as 28% APR, Firstcard operates on a 0% APR model. This means users will never incur interest charges, even if they carry a balance from month to month.

This structure is ideal for individuals looking to establish responsible credit habits. Users can focus on building credit rather than worrying about accumulating high-interest debt.

No SSN? No Problem!

Getting a U.S. credit card can be challenging for international students and immigrants due to Social Security Number (SSN) requirements. Firstcard solves this issue by allowing applicants to use a passport or visa instead of an SSN, making it one of the most accessible credit-building tools for non-U.S. citizens.

This unique feature ensures that individuals new to the U.S. can start building their credit profiles without unnecessary barriers.

Low Fees & Transparent Cost Structure

While Firstcard is a low-cost alternative to traditional secured credit cards, there are a few fees to keep in mind:

• Foreign Transaction Fees: 1.5% to 3%, depending on the plan
• ATM Withdrawals: $2.50 per transaction
• Card Delivery Fees: $8.99 for standard shipping, $18.99 for expedited shipping
• Card Load Fee: 1% when adding funds via a U.S. debit card

Despite these small fees, Firstcard remains one of the most affordable options in the credit-building space. Users who primarily make domestic, online, and everyday transactions will likely avoid most extra charges.

Who Should Get Firstcard?

Firstcard is an excellent option for:

• Students and young adults looking to build credit without interest charges
• Immigrants and international students who lack an SSN but want to establish U.S. credit
• Individuals who prefer a predictable, subscription-based pricing model over interest-based credit cards
• Anyone who wants cashback rewards on everyday spending while building credit

However, international users should carefully consider foreign transaction fees, which range from 1.5% to 3%, depending on the plan. Those frequently withdrawing cash from ATMs may also want to weigh the $2.50 per withdrawal fee against their spending habits.

Final Verdict: Is Firstcard Secured Card Worth It?

The Firstcard Secured Credit Builder Card offers a rare combination of credit-building power, cashback rewards, and transparent pricing, making it ideal for individuals new to credit. Unlike most secured cards, it eliminates minimum deposit requirements, interest charges, and annual fees, creating a low-risk, high-reward option for users focused on building a strong credit profile.

For those looking for a no-stress, fee-conscious way to start their credit journey, Firstcard is one of the best choices available today.