Firstcard: Credit Builder Card

Firstcard® Secured Credit Builder Card helps everyone build credit no matter who they are, where they are from, or their credit history. Firstcard primarily focuses on serving immigrants, foreigners, non-US citizens, international students, first-generation college students, and first-time credit builders in the US who are often denied credit due to the limited access to credit-building tools provided by traditional banks. Members can build credit, open a credit card and a bank account, earn cash back, and grow savings — all within a single platform. Firstcard is on a mission to democratize credit for all.

BUILD YOUR CREDIT SCORE EARLY AND SAFELY
- 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
- 0% APR
- 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
- Get an additional 1% cashback on all qualifying purchases with Firstcard Premium

GROW YOUR MONEY OVER TIME
- Firstcard Standard members can earn 1.25% Annual Percentage Yield⁴ (APY)
- Firstcard+ members can earn 2.50% APY
- Firstcard Premium members can earn 4.00% APY
(The national average interest rate on savings accounts is 0.40% 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 $250,00