Firstcard: Student Credit Card

Firstcard is the best secured credit builder card for students. Students can get a bank account, build credit, earn cashback, and grow savings — all within a single platform. Firstcard puts students first and provides financial tools and knowledge tailored to students with a mission to help students succeed in their financial journey. 

BUILD YOUR CREDIT SCORE EARLY AND SAFELY
- Build your credit score every time you spend
- Monitor your credit score right in the app
- No credit check or hard inquiry
- No overspending with Autopay
- No interest, annual fee, overdraft fee, late payment fee, or account minimum requirement
- We will approve your credit card application regardless of your credit history¹
- Applying for Firstcard does not impact your credit score 

EQUAL ACCESS FOR EVERYONE
- Accept international students without an SSN¹
- Have no credit score or low credit score? No problem. We will approve your credit card application regardless of your credit history.

EARN CASHBACK² EVERY TIME YOU SPEND
- Earn up to 15% Merchant Cashback at 29,000 partner merchants around college campuses
- Earn up to 10% Random Cashback on all qualifying purchases
- Get an additional 1% cashback on all qualifying purchases when you subscribe to Firstcard+³

GROW YOUR MONEY OVER TIME
- All members can earn 1.25% APY⁴ (aka. interest you earn on the money in Firstcard)
- Firstcard+ members can enjoy 4.25% APY⁴. 
(The national average interest rate on savings accounts is 0.45% APY⁵)

SECURITY AND SUPPORT YOU CAN TRUST 
- Your money is insured up to the maximum amount of $250,000 by the FDIC through Regent Bank.  (backed by the U.S. government). 
- The Firstcard credit card is issued from Mastercard®.
- Our team is based in the US and we are headquartered in the Silicon Valley. 

—
Disclaimer:
The Firstcard debit and credit cards are issued by Regent Bank, pursuant to a license from Mastercard. Firstcard is a financial technology company, not a bank. Banking services are provided by Regent Bank; Member FDIC. 

¹Valid for 18+ and subject to account approval.

²Merchant Cashback: The amount of cashback is determined by the transaction and participating merchants. See firstcard.app/cashback-policy. Random Cashback: Users will receive up to 10% of random cashback on qualifying purchases. The following transaction categories are NOT qualifying purchases: ATM withdrawals, wire transfers or cash transfers, purchasing gift cards or other cash equivalents, gambling or online casino, peer-to-peer (P2P) transfers, such as Venmo, Cash App, transfers between Firstcard users, or similar services, gambling, bill payment, prepaid phone recharge and any other transaction types that we may deem ineligible at our sole discretion. See firstcard.app/random-cashback-policy. 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.

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.”

⁴The Annual Percentage Yield ("APY") for the Deposit Account is variable and may change at any time. The disclosed APY is effective as of October 2023. Account fees may reduce earnings. Users without SSN or ITIN on file are not currently eligible to earn interest. No minimum balance is required.

⁵According to the FDIC, the national average interest rate on savings accounts is 0.45% APY (as of September 18, 2023). https://www.fdic.gov/resources/bankers/national-rates/.