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VISA

Visa Traditional

Firstcard Secured Credit Builder Card

Name: Firstcard Secured Credit Builder Card
Brand: Firstcard
Availability: InStock

Annual Fee

15X

Top Rate

At a Glance

Annual Fee

Authorized User Fee

Foreign Transaction Fee

Network

Visa Traditional

Point Valuation

1–1 cpp (mid: 1)

Credit Required

Poor

Earning Rates

15XSelect Merchants

1.5XAll Other

Benefits & Perks

Annual Credits

—Credit building without SSN

Insurance & Protections

$0 fraud liability—you're completely protected

Unauthorized charges? You pay nothing. Firstcard covers all fraudulent activity, giving you peace of mind while building credit.

No late fees, no overdraft charges, no FTF

Forget the penalty trap. Firstcard eliminates late fees and overdraft charges—just transparent subscription pricing.

Zero Liability on unauthorized charges

You won't be held responsible for unauthorized charges made in store, online, or via mobile device.

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 cash back (1.5%-10% depending on tier and merchant)
+Up to 15% back at select partner merchants
+Deposit earns APY (0.75%-4% depending on subscription tier)
+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

Media & Resources

Evidence Sources

Source	Date	URL
—	—	View source
—	—	View source
—	—	View source
—	—	View source
—	—	View source

Explore More

Browse all card categories →Browse all card benefits →Browse all credit cards →

VISA

Visa Traditional

Firstcard Secured Credit Builder Card

Annual Fee

15X

Top Rate

At a Glance

Annual Fee

Authorized User Fee

Foreign Transaction Fee

Network

Visa Traditional

Point Valuation

1–1 cpp (mid: 1)

Credit Required

Poor

Earning Rates

15XSelect Merchants

1.5XAll Other

Benefits & Perks

Annual Credits

—Credit building without SSN

Insurance & Protections

$0 fraud liability—you're completely protected

Unauthorized charges? You pay nothing. Firstcard covers all fraudulent activity, giving you peace of mind while building credit.

No late fees, no overdraft charges, no FTF

Forget the penalty trap. Firstcard eliminates late fees and overdraft charges—just transparent subscription pricing.

Zero Liability on unauthorized charges

You won't be held responsible for unauthorized charges made in store, online, or via mobile device.

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 cash back (1.5%-10% depending on tier and merchant)
+Up to 15% back at select partner merchants
+Deposit earns APY (0.75%-4% depending on subscription tier)
+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

Media & Resources

Evidence Sources

Source	Date	URL
—	—	View source
—	—	View source
—	—	View source
—	—	View source
—	—	View source

Explore More

Browse all card categories →Browse all card benefits →Browse all credit cards →

VISA

Visa Traditional

Firstcard Secured Credit Builder Card

Annual Fee

15X

Top Rate

At a Glance

Annual Fee

Authorized User Fee

Foreign Transaction Fee

Network

Visa Traditional

Point Valuation

1–1 cpp (mid: 1)

Credit Required

Poor

Earning Rates

15XSelect Merchants

1.5XAll Other

Benefits & Perks

Annual Credits

—Credit building without SSN

Insurance & Protections

$0 fraud liability—you're completely protected

Unauthorized charges? You pay nothing. Firstcard covers all fraudulent activity, giving you peace of mind while building credit.

No late fees, no overdraft charges, no FTF

Forget the penalty trap. Firstcard eliminates late fees and overdraft charges—just transparent subscription pricing.

Zero Liability on unauthorized charges

You won't be held responsible for unauthorized charges made in store, online, or via mobile device.

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 cash back (1.5%-10% depending on tier and merchant)
+Up to 15% back at select partner merchants
+Deposit earns APY (0.75%-4% depending on subscription tier)
+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

Media & Resources

Evidence Sources

Source	Date	URL
—	—	View source
—	—	View source
—	—	View source
—	—	View source
—	—	View source

Explore More

Browse all card categories →Browse all card benefits →Browse all credit cards →

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

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

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