Firstcard Secured Credit Builder Card
- Annual Fee
- $0
Terms checked against the issuer on October 10, 2026
At a Glance
- Annual Fee
- $0
- Authorized User Fee
- $0
- Foreign Transaction Fee
- $0
- Network
- Mastercard Standard
- Point Valuation
- 1–1 cpp (mid: 1)
- Credit Required
- Poor
Earning Rates
- 1X
All Other
Unlimited 1% cashback on every domestic purchase with Firstcard Premium
Benefits & Perks
Annual Credits & Statement Credits
1 creditsCredit building without SSN
International students and new immigrants can apply immediately. No credit history, no SSN needed—just deposit and start building.
—
Annual
Insurance & Protections
3 protectionsZero Liability on unauthorized charges
You won't be held responsible for unauthorized charges made in store, online, or via mobile device.
No late fees, no overdraft charges, no FTF
Forget the penalty trap. Firstcard eliminates late fees and overdraft charges—just transparent subscription pricing.
24/7 lost/stolen card assistance worldwide
Emergency card replacement and cash disbursement services available 24/7 worldwide for lost or stolen cards.
Details & Terms
Payment Terms
| Purchase APR | 0% |
| Foreign Transaction Fee | $0 |
| Authorized User Fee | $0 |
Reviews & Analysis
Pros and Cons
Pros
- +No SSN or ITIN required for application
- +Earns unlimited 1% cash back on domestic purchases with Firstcard Premium
- +0% APR since you spend your deposit (no interest charges possible)
- +No late fees or overdraft fees
- +No foreign transaction fee
Cons
- -Monthly subscription fee ($4.99-$12.99) instead of traditional annual fee
- -Functions more like prepaid card than traditional credit card
- -Higher rewards tiers require higher subscription fees
- -Newer fintech issuer with less established track record
- -May not build credit as effectively as traditional secured cards
Who It's Best For
Best For
- International students and new immigrants without SSN or ITIN
- People who want cash back rewards on a secured card
- Those who prefer a prepaid-style model with no debt risk
Not Ideal For
- People who want a traditional credit card experience
- Those seeking the lowest fees (subscription model adds cost)
- Users who need a card accepted at merchants requiring traditional credit cards
Media & Resources
Evidence Sources
| Source | Verified | Citation |
|---|---|---|
| Firstcard Plan Economics Hold 20260927 | — | Firstcard Plan Economics Hold 20260927 |
| Firstcard Issuer | Firstcard Issuer | |
| Issuer Page | Issuer Page: Multiple card facts | |
| Firstcard Secured Page | — | Firstcard Secured Page |
| NerdWallet | — | NerdWallet |
| Bankrate | — | Bankrate |
| RewardsCC API | — | RewardsCC API |
| Firstcard Issuer | Firstcard Issuer: Multiple card facts | |
| Firstcard Secured Page | Firstcard Secured Page |