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<!DOCTYPE html><html data-wf-domain="firstcard.webflow.io" data-wf-page="67406fb9961eea5229cc1bf0" data-wf-site="61afd9d2252e0b378d32ae66" lang="zh" data-wf-locale="zh"><head><meta charset="utf-8"/><title>Secured Credit Card - Firstcard®</title><link rel="alternate" hrefLang="x-default" href="https://www.firstcard.app/credit-card/secured-credit-card"/><link rel="alternate" hrefLang="en-US" href="https://www.firstcard.app/credit-card/secured-credit-card"/><link rel="alternate" hrefLang="zh" href="https://www.firstcard.app/cn/credit-card/secured-credit-card"/><link rel="alternate" hrefLang="ja" href="https://www.firstcard.app/jp/credit-card/secured-credit-card"/><link rel="alternate" hrefLang="es" href="https://www.firstcard.app/es/credit-card/secured-credit-card"/><link rel="alternate" hrefLang="pt-BR" href="https://www.firstcard.app/pt/credit-card/secured-credit-card"/><meta content="Get a secured credit card to start building credit. 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.ordered-list-item::marker { border-radius: 50%; background-color: #2400FF; color: white; } </style></head><body><section class="page-container"><div class="div-block-672"><div class="w-embed"><style> .header-navigator a[hreflang="ja"], .header-navigator a[hreflang="zh"], .header-navigator a[hreflang="pt-BR"] { display: none; } </style></div><div class="section-padding"><div class="section-container"><div class="header-container"><div class="div-block-928"><a href="/cn" class="link-block-2 w-inline-block"><img src="https://cdn.prod.website-files.com/61afd9d2252e0b378d32ae66/6644c25531f7415d5951a59a_Logo.svg" loading="lazy" alt="" class="image-90"/></a></div><div class="header-navigator"><div class="header-links"><a data-w-id="3d146cae-37b0-4fa0-0036-f097759fed9c" href="#" class="header-link w-inline-block"><div class="text-block-179">Features</div></a><a data-w-id="3d146cae-37b0-4fa0-0036-f097759fed9f" href="#" class="header-link w-inline-block"><div>Credit for all</div></a><a href="/cn/learn" class="header-link w-inline-block"><div>Learn</div></a><a href="/cn/plans" class="header-link w-inline-block"><div>Plans</div></a><a href="/cn/about-us" class="header-link w-inline-block"><div>About</div></a><a href="/cn/help-center" class="header-link w-inline-block"><div>Help Center</div></a><div class="w-locales-list"><div data-hover="false" data-delay="0" class="w-dropdown"><div class="dropdown-toggle-3 w-dropdown-toggle"><img src="https://cdn.prod.website-files.com/61afd9d2252e0b378d32ae66/67476182820629ce6875a581_globe.svg" loading="lazy" alt="" class="image-184"/><div>Chinese</div></div><nav class="dropdown-list-4 w-dropdown-list"><div role="list" class="locales-list w-locales-items"><div role="listitem" class="locale w-locales-item"><a hreflang="en-US" href="/credit-card/secured-credit-card" class="link-block-11 w-inline-block"><div class="link-9">English</div></a></div><div role="listitem" class="locale w-locales-item"><a hreflang="zh" href="/cn/credit-card/secured-credit-card" aria-current="page" class="link-block-11 w-inline-block w--current"><div class="link-9">Chinese</div></a></div><div role="listitem" class="locale w-locales-item"><a hreflang="ja" href="/jp/credit-card/secured-credit-card" class="link-block-11 w-inline-block"><div class="link-9">Japanese</div></a></div><div role="listitem" class="locale w-locales-item"><a hreflang="es" href="/es/credit-card/secured-credit-card" class="link-block-11 w-inline-block"><div class="link-9">Español</div></a></div><div role="listitem" class="locale w-locales-item"><a hreflang="pt-BR" href="/pt/credit-card/secured-credit-card" class="link-block-11 w-inline-block"><div class="link-9">Portuguese (Brazil)</div></a></div></div></nav></div></div></div><a href="https://web.firstcard.app/apply-now?utm_source=website&utm_campaign=securedcreditcard&utm_medium=web" target="_blank" class="primary-button small-button w-button">Get Started</a><div data-w-id="3d146cae-37b0-4fa0-0036-f097759fedaa" class="hamburguer-button"><img src="https://cdn.prod.website-files.com/61afd9d2252e0b378d32ae66/66606e9d3ae9c340fc53f9c4_Menu.svg" loading="lazy" alt=""/></div></div></div></div></div><div data-w-id="88fe10ca-3a3c-0fd6-f37f-95cd98daad76" class="fc-navbar features"><div class="div-block-728"><div class="section-container"><div class="div-block-799"><a href="/cn/credit-card/apy" class="menu-item w-inline-block"><div class="item-title">APY</div></a><a href="/cn/credit-card/credit-building" class="menu-item w-inline-block"><div class="item-title">Build Credit</div></a><a href="/cn/credit-card/cashback" class="menu-item w-inline-block"><div class="item-title">Earn Cashback</div></a></div></div></div></div><div data-w-id="fddda453-e5aa-66c1-b269-4e1574bdb42f" class="fc-navbar credit-for-all"><div class="div-block-781"><div class="section-container"><div class="div-block-798"><div class="header-col"><div class="col-name">For Credit Building</div><a href="/cn/credit-card/first-credit-card" class="menu-item w-inline-block"><div class="item-title">First Credit Card</div></a><a href="/cn/credit-card/bad-credit" class="menu-item w-inline-block"><div class="item-title">Credit Card for Bad Credit</div></a><a href="/cn/credit-card/secured-credit-card" aria-current="page" class="menu-item w-inline-block w--current"><div class="item-title">Secured Credit Card</div></a><a href="/cn/credit-card/credit-card-for-no-credit" class="menu-item w-inline-block"><div class="item-title">Credit Card for No Credit</div></a><a href="/cn/credit-card/credit-card-for-beginners" class="menu-item w-inline-block"><div class="item-title">Credit Card for Beginners</div></a></div><div class="header-col"><div class="col-name">For Students</div><a href="/cn/credit-card/student-credit-card" class="menu-item w-inline-block"><div class="item-title">College Students</div></a><a href="/cn/credit-card/international-student-credit-card" class="menu-item w-inline-block"><div class="item-title">International Students</div></a></div><div class="header-col"><div class="col-name">For Internationals</div><a href="/cn/credit-card/immigrant-credit-card" class="menu-item w-inline-block"><div class="item-title">Immigrants</div></a><a href="/cn/credit-card/no-ssn" class="menu-item w-inline-block"><div class="item-title">No SSN</div></a><a href="/cn/credit-card/itin" class="menu-item w-inline-block"><div class="item-title">ITIN</div></a></div><div class="header-col"><div class="col-name">Languages</div><a href="http://www.firstcard.app/cn/lp/firstcard" target="_blank" class="menu-item w-inline-block"><div class="item-title">For Chinese Speaker (中文)</div></a><a href="http://www.firstcard.app/es/lp/firstcard" target="_blank" class="menu-item w-inline-block"><div class="item-title">For Spanish Speaker (Español)</div></a><a href="http://www.firstcard.app/jp/lp/firstcard" target="_blank" class="menu-item w-inline-block"><div class="item-title">For Japanese Speaker (日本語)</div></a><a href="http://www.firstcard.app/pt/lp/firstcard" target="_blank" class="menu-item w-inline-block"><div class="item-title">For Portuguese Speaker (Português)</div></a></div></div></div></div></div><div class="fc-navbar-mobile"><div class="section-padding"><div class="section-container"><div class="div-block-729"><div data-hover="false" data-delay="0" class="dropdown-2 w-dropdown"><div class="navbar-item-mobile w-dropdown-toggle"><div class="w-icon-dropdown-toggle"></div><div>Features</div></div><nav class="dropdown-list-2 w-dropdown-list"><a href="/cn/credit-card/apy" class="dropdown-nav-item w-inline-block"><div class="feature-title-mobile">APY</div></a><a href="/cn/credit-card/credit-building" class="dropdown-nav-item w-inline-block"><div class="feature-title-mobile">Build Credit</div></a><a href="/cn/credit-card/cashback" class="dropdown-nav-item w-inline-block"><div class="feature-title-mobile">Earn Cashback</div></a></nav></div><div data-hover="false" data-delay="0" class="dropdown-2 w-dropdown"><div class="navbar-item-mobile w-dropdown-toggle"><div class="w-icon-dropdown-toggle"></div><div>Credit For All</div></div><nav class="dropdown-list-2 w-dropdown-list"><a href="/cn/credit-card/first-credit-card" class="dropdown-nav-item w-inline-block"><div class="feature-title-mobile">First Credit Card</div></a><a href="/cn/credit-card/bad-credit" class="dropdown-nav-item w-inline-block"><div class="feature-title-mobile">Credit Card for Bad Credit</div></a><a href="/cn/credit-card/secured-credit-card" aria-current="page" class="dropdown-nav-item w-inline-block w--current"><div class="feature-title-mobile">Secured Credit Card</div></a><a href="/cn/credit-card/credit-card-for-no-credit" class="dropdown-nav-item w-inline-block"><div class="feature-title-mobile">Credit Card for No Credit</div></a><a href="/cn/credit-card/credit-card-for-beginners" class="dropdown-nav-item w-inline-block"><div class="feature-title-mobile">Credit Card for Beginners</div></a><a href="/cn/credit-card/student-credit-card" class="dropdown-nav-item w-inline-block"><div class="feature-title-mobile">College Students</div></a><a href="/cn/credit-card/international-student-credit-card" class="dropdown-nav-item w-inline-block"><div class="feature-title-mobile">International Students</div></a><a href="/cn/credit-card/immigrant-credit-card" class="dropdown-nav-item w-inline-block"><div class="feature-title-mobile">Immigrants</div></a><a href="/cn/credit-card/no-ssn" class="dropdown-nav-item w-inline-block"><div class="feature-title-mobile">No SSN</div></a><a href="/cn/credit-card/itin" class="dropdown-nav-item w-inline-block"><div class="feature-title-mobile">ITIN</div></a><a href="http://www.firstcard.app/pt/lp/firstcard" target="_blank" class="dropdown-nav-item w-inline-block"><div class="feature-title-mobile">For Portuguese Speaker (Português)</div></a><a href="http://www.firstcard.app/es/lp/firstcard" target="_blank" class="dropdown-nav-item w-inline-block"><div class="feature-title-mobile">For Spanish Speaker (Español)</div></a><a href="http://www.firstcard.app/cn/lp/firstcard" target="_blank" class="dropdown-nav-item w-inline-block"><div class="feature-title-mobile">For Chinese Speaker (中文)</div></a><a href="http://www.firstcard.app/jp/lp/firstcard" target="_blank" class="dropdown-nav-item w-inline-block"><div class="feature-title-mobile">For Japanese Speaker (日本語)</div></a></nav></div><a href="/cn/about-us" class="navbar-item-mobile w-inline-block"><div>About</div></a><a href="/cn/plans" class="navbar-item-mobile w-inline-block"><div>Plans</div></a><a href="/cn/learn" class="navbar-item-mobile w-inline-block"><div>Learn</div></a><a href="/cn/help-center" class="navbar-item-mobile w-inline-block"><div>Help Center</div></a></div></div></div></div></div><section><div class="section-padding"><div class="section-container"><div class="section-content desc-right cashback"><div id="w-node-_6d77c309-b967-cdfc-2a7a-0f37bf32860a-29cc1bf0" class="description-block cashback"><div class="pill home-page"><div class="text-block-46">Firstcard® Secured Credit Builder Card</div><div class="div-block-808"><div data-hover="true" data-delay="0" class="tooltip-dropdown w-dropdown"><div class="tooltip-content w-dropdown-toggle"><div class="code-embed w-embed"><style> .tooltip-anchor { display: none; } .w-dropdown:has(> .w--open) { z-index: 998; } </style></div><div class="div-block-612"><div class="fc-icon_wrapper center"><strong data-tippy-content="<span id='fdic-tooltip' class='tippy-title'>FDIC</span></br>FDIC stands for The Federal Deposit Insurance Corporation. It is an independent government agency that oversees the banking industry. The FDIC’s primary duty is to insure deposits at U.S. member banks in case they fail. The FDIC insures deposits up to $250,000 per depositor as long as the institution is a member FDIC." class="fc-icon blue">Info</strong></div></div></div><nav class="tooltip-anchor fixed-mobile w-dropdown-list"><div data-cy="step5" class="tooltip-wrapper custom"><div class="tooltip_container"><div class="tooltip-text">A secured credit card is a credit card that requires a cash deposit. It’s also designed to help people build their credit score. With Firstcard, what you deposit is what you can spend.</div><a href="#" class="tooltip-button tooltip-close w-button">Close</a></div><div class="tooltip-diamond fixed-mobile"></div></div></nav></div></div></div><div class="div-block-990"><h2 class="heading_2 anime"><span class="text-span-59">No Credit?</span> <br/><span class="text-span-62">Bad Credit?</span><br/><span class="text-span-63">No SSN?</span>‍</h2><h2 class="heading_2">No Problem. <br/>a Secured Credit Card Can help.</h2></div><div class="text-block-176">Firstcard's secured credit card is designed for people with no or low credit score and helps to build credit confidently. No credit checks. You’re pre-approved!</div><div class="div-block-986"><div class="div-block-908"><a href="https://web.firstcard.app/apply-now?utm_source=website&utm_campaign=securedcreditcard&utm_medium=web" target="_blank" class="button-primary medium-button full-width-mobile w-button">Get Started</a></div><div class="div-block-920"><div class="text-block-150">You’re pre-approved.</div><div class="text-block-151">Apply today! No hard credit check needed.</div></div></div></div><div class="image-block cashback-image-block"><img src="https://cdn.prod.website-files.com/61afd9d2252e0b378d32ae66/6740710d6ab1940fdae2876e_group_1.webp" loading="lazy" sizes="(max-width: 479px) 100vw, (max-width: 1279px) 49vw, (max-width: 1439px) 488px, 492px" srcset="https://cdn.prod.website-files.com/61afd9d2252e0b378d32ae66/6740710d6ab1940fdae2876e_group_1-p-500.webp 500w, https://cdn.prod.website-files.com/61afd9d2252e0b378d32ae66/6740710d6ab1940fdae2876e_group_1-p-800.webp 800w, https://cdn.prod.website-files.com/61afd9d2252e0b378d32ae66/6740710d6ab1940fdae2876e_group_1.webp 984w" alt=""/></div></div></div></div></section><section><div class="section-padding"><div class="section-container"><div class="div-block-984"><h3 class="heading_3">What is a Secured Credit Card?</h3></div><div class="section-content desc-left no-padding"><div id="w-node-_2a6e168f-5bf8-34ea-d931-5c2686a8b324-29cc1bf0" class="description-block"><div class="div-block-748"><div class="div-block-985"><p>A secured credit card is a credit card that requires a cash deposit and is designed to help people with no or low credit scores get a credit card and build their credit. <br/></p><p>A secured credit card requires a cash deposit as collateral to minimize risks for the card issuer while helping people build credit. </p><p class="paragraph-29">With the Firstcard® Secured Credit Builder Card, your deposit sets your spending limit: what you deposit is what you can spend.</p></div></div></div><div class="image-block"><img src="https://cdn.prod.website-files.com/61afd9d2252e0b378d32ae66/666cc6ef929d3de0596d9bd8_rectangle_20742%20(6).webp" loading="lazy" sizes="(max-width: 479px) 100vw, (max-width: 767px) 49vw, 329px" srcset="https://cdn.prod.website-files.com/61afd9d2252e0b378d32ae66/666cc6ef929d3de0596d9bd8_rectangle_20742%20(6)-p-500.webp 500w, https://cdn.prod.website-files.com/61afd9d2252e0b378d32ae66/666cc6ef929d3de0596d9bd8_rectangle_20742%20(6).webp 660w" alt="" class="image-113"/></div></div></div></div></section><section><div class="section-padding"><div class="section-container"><div class="section-content desc-right"><div class="image-block"><img src="https://cdn.prod.website-files.com/61afd9d2252e0b378d32ae66/6752f0dc8c97a7a8e0e6975c_secured-credi-card.png" loading="lazy" sizes="(max-width: 479px) 100vw, 329.984375px" srcset="https://cdn.prod.website-files.com/61afd9d2252e0b378d32ae66/6752f0dc8c97a7a8e0e6975c_secured-credi-card-p-500.png 500w, https://cdn.prod.website-files.com/61afd9d2252e0b378d32ae66/6752f0dc8c97a7a8e0e6975c_secured-credi-card.png 661w" alt="" class="image-182"/></div><div id="w-node-_386141b6-0a0e-18c2-0c51-a1ce60f01d4d-29cc1bf0" class="description-block cashback"><h3 class="heading_3">Why Choose a Secured Credit Card?</h3><ul role="list" class="list-8 w-list-unstyled"><li class="list-item-7">Build credit history</li><li class="list-item-7">Access to credit with bad credit or no credit</li><li class="list-item-7">Graduate to an unsecured card</li><li class="list-item-7">Learn responsible credit card use</li><li class="list-item-7">May receive rewards or perks</li></ul></div></div></div></div></section><section><div class="section-padding"><div class="section-container"><div class="div-block-989"><div class="section-content desc-left secured-credit-card"><div id="w-node-_1be960dc-8420-4fdc-fe03-be9e518a11ff-29cc1bf0" class="description-block cashback"><h1 class="heading_2">How to Apply for a Firstcard Secured Credit Builder Card?</h1><div class="ordered-list-2"><div class="ordered-list-item-2"><div class="list-item-marker"><div>1</div></div><div class="ordered-list-item"><div>Click the button below to apply online</div></div></div><div class="ordered-list-item-2"><div class="list-item-marker"><div>2</div></div><div class="ordered-list-item"><div>Provide your basic information such as your name, birthday, SSN, US ID and address. <br/><br/>If you are an international or immigrant without an SSN, apply with your passport, ITIN or Visa</div></div></div><div class="ordered-list-item-2"><div class="list-item-marker"><div>3</div></div><div class="ordered-list-item"><div>Choose a Firstcard plan that works for you</div></div></div><div class="ordered-list-item-2"><div class="list-item-marker"><div>4</div></div><div class="ordered-list-item"><div>Get approved and start using Firstcard® Secured Credit Builder Card to build credit faster!</div></div></div></div></div><div id="w-node-_1be960dc-8420-4fdc-fe03-be9e518a11fd-29cc1bf0" class="image-block bottom-align"><img src="https://cdn.prod.website-files.com/61afd9d2252e0b378d32ae66/6740776df86c7c3aaa856adf_group_2.webp" loading="lazy" sizes="(max-width: 479px) 100vw, (max-width: 991px) 49vw, 474px" srcset="https://cdn.prod.website-files.com/61afd9d2252e0b378d32ae66/6740776df86c7c3aaa856adf_group_2-p-500.webp 500w, https://cdn.prod.website-files.com/61afd9d2252e0b378d32ae66/6740776df86c7c3aaa856adf_group_2-p-800.webp 800w, https://cdn.prod.website-files.com/61afd9d2252e0b378d32ae66/6740776df86c7c3aaa856adf_group_2.webp 948w" alt="" class="image-183"/></div></div><div class="div-block-987"><div class="div-block-988"><div class="text-block-178">😇 Helpful tips for card approval:</div><ul role="list" class="list-14"><li>Double check to make sure you provide accurate information.</li><li class="list-item-10">Look out for follow-up emails, especially for those without an SSN, as we may also request additional documents such as your visa and proof of address for identity verification.</li></ul></div></div><div class="div-block-986"><div class="div-block-908"><a href="https://web.firstcard.app/apply-now?utm_source=website&utm_campaign=securedcreditcard&utm_medium=web" target="_blank" class="button-primary medium-button full-width-mobile w-button">Get Started</a></div><div class="div-block-920"><div class="text-block-150">You’re pre-approved.</div><div class="text-block-151">Apply today! No hard credit check needed.</div></div></div></div></div></div></section><div class="div-block-689 secured-credit-card"><div><div class="section-padding"><div class="section-container"><h1 class="heading_1 white">Boost your credit score with Firstcard's secured credit card today</h1></div></div></div></div><section><div class="section-padding"><div class="section-container"><div class="div-block-697"><h3 class="heading_3">值得信赖的安全和支持</h3><div class="s-s-container"><div class="s-s-card"><img src="https://cdn.prod.website-files.com/61afd9d2252e0b378d32ae66/669589497452dc456f0f2c7c_Security%20Image%20(3).png" loading="lazy" alt="" sizes="100vw" srcset="https://cdn.prod.website-files.com/61afd9d2252e0b378d32ae66/669589497452dc456f0f2c7c_Security%20Image%20(3)-p-500.png 500w, https://cdn.prod.website-files.com/61afd9d2252e0b378d32ae66/669589497452dc456f0f2c7c_Security%20Image%20(3).png 561w" class="s-s-image"/><div class="s-s-title">安全保障为第一</div><div class="s-s-description">安全保障是 Firstcard 的首要任务。Firstcard 采用符合行业标准的加密技术，确保您的账户和信息安全无虞。</div></div><div class="s-s-card"><img src="https://cdn.prod.website-files.com/61afd9d2252e0b378d32ae66/668befce38ad96621f6ae15d_Security%20Image%20(1).png" loading="lazy" alt="" class="s-s-image"/><div class="s-s-title">安全资金保障</div><div class="s-s-description">您的 Firstcard 账户资金通过我们的银行合作伙伴 Regent 银行（FDIC 成员）投保，最高保额为 250,000 美元。</div></div><div class="s-s-card"><img src="https://cdn.prod.website-files.com/61afd9d2252e0b378d32ae66/668beffb4a57cf6ee51bf2e5_Card%20Asset%20(1).png" loading="lazy" alt="" class="s-s-image"/><div class="s-s-title">国际万事达卡</div><div class="s-s-description">我们与万事达卡合作，万事达卡对未经授权的费用提供0责任保护。</div></div></div></div></div></div></section><section><div class="section-padding"><div class="section-container"><div id="seamless-replace" class="div-block-740"><h2 class="heading_2">Frequently asked questions</h2><div class="w-dyn-list"><div role="list" class="accordion-wrapper w-dyn-items"><div role="listitem" class="w-dyn-item"><div data-hover="false" data-delay="0" data-w-id="4a55cf8d-eede-48d4-537c-7c8019839455" class="accordion-item apy w-dropdown"><div class="dropdown-toggle w-dropdown-toggle"><div style="-webkit-transform:translate3d(0, 0, 0) scale3d(1, 1, 1) rotateX(0) rotateY(0) rotateZ(0deg) skew(0, 0);-moz-transform:translate3d(0, 0, 0) scale3d(1, 1, 1) rotateX(0) rotateY(0) rotateZ(0deg) skew(0, 0);-ms-transform:translate3d(0, 0, 0) scale3d(1, 1, 1) rotateX(0) rotateY(0) rotateZ(0deg) skew(0, 0);transform:translate3d(0, 0, 0) scale3d(1, 1, 1) rotateX(0) rotateY(0) rotateZ(0deg) skew(0, 0)" class="accordion-icon w-icon-dropdown-toggle"></div><div class="dropdown-question">Can I increase my credit limit on my secured credit card?</div></div><div class="dropdown-list apy w-dropdown-list"><div class="dropdown-answer w-richtext"><p>Depending on the card issuer’s policy, you can typically increase your limit on a secured credit card by using your card responsibly and/or making an additional security deposit. </p><p>With Firstcard, there is no credit limit as we don’t extend a credit line and no locked security deposit. Instead, what you deposit is what you can spend on your secured credit card. This makes it easy to increase or decrease your credit limit anytime you want! Additionally, with Firstcard’s secured credit card, there's no need to worry about your credit utilization negatively impacting your credit score as we don’t report high utilization even if you use all the money deposited.</p></div></div></div></div><div role="listitem" class="w-dyn-item"><div data-hover="false" data-delay="0" data-w-id="4a55cf8d-eede-48d4-537c-7c8019839455" class="accordion-item apy w-dropdown"><div class="dropdown-toggle w-dropdown-toggle"><div style="-webkit-transform:translate3d(0, 0, 0) scale3d(1, 1, 1) rotateX(0) rotateY(0) rotateZ(0deg) skew(0, 0);-moz-transform:translate3d(0, 0, 0) scale3d(1, 1, 1) rotateX(0) rotateY(0) rotateZ(0deg) skew(0, 0);-ms-transform:translate3d(0, 0, 0) scale3d(1, 1, 1) rotateX(0) rotateY(0) rotateZ(0deg) skew(0, 0);transform:translate3d(0, 0, 0) scale3d(1, 1, 1) rotateX(0) rotateY(0) rotateZ(0deg) skew(0, 0)" class="accordion-icon w-icon-dropdown-toggle"></div><div class="dropdown-question">What is the difference between a secured credit card and an unsecured credit card?</div></div><div class="dropdown-list apy w-dropdown-list"><div class="dropdown-answer w-richtext"><p>The biggest difference between a secured credit card and an unsecured credit card is that typically a secured credit card has a significantly higher APR%, little to no card benefits, and is difficult to get approved if you have no or bad credit. Secured credit cards also require you to make a locked deposit upfront which serves as collateral in case you are unable to pay back your balance.</p><p>‍</p><p>With Firstcard the amount you deposit becomes your credit limit (what you can spend). This is different from unsecured credit cards which extend a credit line and usually involve overspending risk and high interest rates. While unsecured credit cards can hurt your credit if not managed properly, secured credit cards help ensure safe credit building by requiring an upfront deposit so you can't spend more than you have.</p><p>It's also easier to get approved for Firstcard compared to an unsecured credit card. Firstcard doesn’t check your credit history or require a good credit history to qualify which makes Firstcard a better option for people who have no credit history or poor credit.</p></div></div></div></div><div role="listitem" class="w-dyn-item"><div data-hover="false" data-delay="0" data-w-id="4a55cf8d-eede-48d4-537c-7c8019839455" class="accordion-item apy w-dropdown"><div class="dropdown-toggle w-dropdown-toggle"><div style="-webkit-transform:translate3d(0, 0, 0) scale3d(1, 1, 1) rotateX(0) rotateY(0) rotateZ(0deg) skew(0, 0);-moz-transform:translate3d(0, 0, 0) scale3d(1, 1, 1) rotateX(0) rotateY(0) rotateZ(0deg) skew(0, 0);-ms-transform:translate3d(0, 0, 0) scale3d(1, 1, 1) rotateX(0) rotateY(0) rotateZ(0deg) skew(0, 0);transform:translate3d(0, 0, 0) scale3d(1, 1, 1) rotateX(0) rotateY(0) rotateZ(0deg) skew(0, 0)" class="accordion-icon w-icon-dropdown-toggle"></div><div class="dropdown-question">How do secured credit cards affect my credit score?</div></div><div class="dropdown-list apy w-dropdown-list"><div class="dropdown-answer w-richtext"><p>Secured credit cards help to build your credit score safely. Secured credit cards require a cash deposit upfront which helps reduce the risk of being unable to pay your bills on time later on. By using a secured credit card like Firstcard for purchases and making timely payments, your on-time credit activities are reported to the major credit bureaus and can help improve your credit score over time.</p></div></div></div></div><div role="listitem" class="w-dyn-item"><div data-hover="false" data-delay="0" data-w-id="4a55cf8d-eede-48d4-537c-7c8019839455" class="accordion-item apy w-dropdown"><div class="dropdown-toggle w-dropdown-toggle"><div style="-webkit-transform:translate3d(0, 0, 0) scale3d(1, 1, 1) rotateX(0) rotateY(0) rotateZ(0deg) skew(0, 0);-moz-transform:translate3d(0, 0, 0) scale3d(1, 1, 1) rotateX(0) rotateY(0) rotateZ(0deg) skew(0, 0);-ms-transform:translate3d(0, 0, 0) scale3d(1, 1, 1) rotateX(0) rotateY(0) rotateZ(0deg) skew(0, 0);transform:translate3d(0, 0, 0) scale3d(1, 1, 1) rotateX(0) rotateY(0) rotateZ(0deg) skew(0, 0)" class="accordion-icon w-icon-dropdown-toggle"></div><div class="dropdown-question">Can I get my security deposit back?</div></div><div class="dropdown-list apy w-dropdown-list"><div class="dropdown-answer w-richtext"><p>Many secured cards require a deposit, usually between $200 and $500. This amount becomes your credit limit and can be refunded if you close the account in good standing.</p><p>With Firstcard’s secured credit card, there is no minimum deposit requirement. What you deposit into your Firstcard bank account is what you are able to spend on your Firstcard secured credit card. Any amount deposited into your Firstcard account can be withdrawn unless spent. </p></div></div></div></div><div role="listitem" class="w-dyn-item"><div data-hover="false" data-delay="0" data-w-id="4a55cf8d-eede-48d4-537c-7c8019839455" class="accordion-item apy w-dropdown"><div class="dropdown-toggle w-dropdown-toggle"><div style="-webkit-transform:translate3d(0, 0, 0) scale3d(1, 1, 1) rotateX(0) rotateY(0) rotateZ(0deg) skew(0, 0);-moz-transform:translate3d(0, 0, 0) scale3d(1, 1, 1) rotateX(0) rotateY(0) rotateZ(0deg) skew(0, 0);-ms-transform:translate3d(0, 0, 0) scale3d(1, 1, 1) rotateX(0) rotateY(0) rotateZ(0deg) skew(0, 0);transform:translate3d(0, 0, 0) scale3d(1, 1, 1) rotateX(0) rotateY(0) rotateZ(0deg) skew(0, 0)" class="accordion-icon w-icon-dropdown-toggle"></div><div class="dropdown-question">How much does a secured credit card cost?</div></div><div class="dropdown-list apy w-dropdown-list"><div class="dropdown-answer w-richtext"><p>The cost of a secured credit card depends on the card issuer. Different secured credit card issuers have different fees, and sign up costs. At Firstcard you can start building credit with a secured credit card for just $4.99/month. Firstcard does not have any additional fees other than the subscription cost. Some secured credit cards require you to make a locked deposit that serves as collateral and have APR fees. With Firstcard there is 0% APR and 100% of what you deposit is what you can spend.</p></div></div></div></div></div><div role="navigation" aria-label="List" class="w-pagination-wrapper pagination-3"><a href="?19839452_page=2" aria-label="Next Page" class="w-pagination-next next"><img src="https://cdn.prod.website-files.com/61afd9d2252e0b378d32ae66/664664af3dc13259affe0615_Vector.svg" loading="lazy" alt=""/></a><link rel="prerender" href="?19839452_page=2"/></div></div></div></div></div></section><section><div class="div-block-698"><div class="div-block-699"><h2 class="heading_2">our users love us</h2></div><div class="w-embed"><style> .marquee-track { position: absolute; white-space: nowrap; will-change: transform; animation: marquee-horizontal 40s linear infinite; /* manipulate the speed of the marquee by changing "40s" line above*/ } @keyframes marquee-horizontal { from { transform: translateX(0); } to { transform: translateX(-50%); } } @media only screen and (min-width: 992px) { 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8.31169L125.119 7.48043L122.56 2.29668Z" fill="currentColor"/> </svg></div><div class="review-heading">Easy to use credit builder card</div><p class="review-text">The no-overspending risk and no annual fees were what drew me to Firstcard. The bonus cashback feature is a fun addition, and it's helped me save money effortlessly on everyday purchases.</p></div><div class="review-user-name">Katherine K. </div></div></div><div role="listitem" class="w-dyn-item"><div style="color:#7722be;background-color:#fee7fe" class="review-container"><div class="review-content"><div class="w-embed"><svg width="132" height="21" viewBox="0 0 132 21" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M10.5602 2.29668C10.5085 2.19235 10.4286 2.10454 10.3297 2.04314C10.2308 1.98175 10.1166 1.94922 10.0002 1.94922C9.88374 1.94922 9.76961 1.98175 9.67066 2.04314C9.57172 2.10454 9.49189 2.19235 9.44018 2.29668L6.88143 7.48043L1.16018 8.31169C1.04474 8.32845 0.936301 8.37718 0.847122 8.45237C0.757943 8.52757 0.691586 8.62621 0.655558 8.73716C0.61953 8.84811 0.615269 8.96692 0.643258 9.08016C0.671246 9.1934 0.730367 9.29655 0.813931 9.37793L4.95393 13.4129L3.97643 19.1117C3.95682 19.2265 3.96971 19.3446 4.01364 19.4525C4.05756 19.5604 4.13078 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The cashback rewards are fantastic, and I love that there are no hidden fees. It's perfect for managing my spending and building credit without stress.</p></div><div class="review-user-name">Brody M. </div></div></div><div role="listitem" class="w-dyn-item"><div style="color:#263900;background-color:#ecffbb" class="review-container"><div class="review-content"><div class="w-embed"><svg width="132" height="21" viewBox="0 0 132 21" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M10.5602 2.29668C10.5085 2.19235 10.4286 2.10454 10.3297 2.04314C10.2308 1.98175 10.1166 1.94922 10.0002 1.94922C9.88374 1.94922 9.76961 1.98175 9.67066 2.04314C9.57172 2.10454 9.49189 2.19235 9.44018 2.29668L6.88143 7.48043L1.16018 8.31169C1.04474 8.32845 0.936301 8.37718 0.847122 8.45237C0.757943 8.52757 0.691586 8.62621 0.655558 8.73716C0.61953 8.84811 0.615269 8.96692 0.643258 9.08016C0.671246 9.1934 0.730367 9.29655 0.813931 9.37793L4.95393 13.4129L3.97643 19.1117C3.95682 19.2265 3.96971 19.3446 4.01364 19.4525C4.05756 19.5604 4.13078 19.6539 4.22503 19.7224C4.31928 19.7909 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Earning up to 15% cashback when I dine out or buy boba and enjoying an additional 10% cashback through the app’s spinning wheel have made managing my expenses while building credit much more fun and rewarding.</p></div><div class="review-user-name">Leon Y</div></div></div><div role="listitem" class="w-dyn-item"><div style="color:#004754;background-color:#c4fefe" class="review-container"><div class="review-content"><div class="w-embed"><svg width="132" height="21" viewBox="0 0 132 21" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M10.5602 2.29668C10.5085 2.19235 10.4286 2.10454 10.3297 2.04314C10.2308 1.98175 10.1166 1.94922 10.0002 1.94922C9.88374 1.94922 9.76961 1.98175 9.67066 2.04314C9.57172 2.10454 9.49189 2.19235 9.44018 2.29668L6.88143 7.48043L1.16018 8.31169C1.04474 8.32845 0.936301 8.37718 0.847122 8.45237C0.757943 8.52757 0.691586 8.62621 0.655558 8.73716C0.61953 8.84811 0.615269 8.96692 0.643258 9.08016C0.671246 9.1934 0.730367 9.29655 0.813931 9.37793L4.95393 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The autopay feature ensures my card is always paid off on time, helping me to build credit safely. The excellent cashback rewards are a great way to save a little extra money whenever I shop or eat out. Thanks to Firstcard, I’m able to build my credit and manage my expenses effectively in the US.</p></div><div class="review-user-name">Patricia P</div></div></div><div role="listitem" class="w-dyn-item"><div style="color:#5b4700;background-color:#fffac4" class="review-container"><div class="review-content"><div class="w-embed"><svg width="132" height="21" viewBox="0 0 132 21" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M10.5602 2.29668C10.5085 2.19235 10.4286 2.10454 10.3297 2.04314C10.2308 1.98175 10.1166 1.94922 10.0002 1.94922C9.88374 1.94922 9.76961 1.98175 9.67066 2.04314C9.57172 2.10454 9.49189 2.19235 9.44018 2.29668L6.88143 7.48043L1.16018 8.31169C1.04474 8.32845 0.936301 8.37718 0.847122 8.45237C0.757943 8.52757 0.691586 8.62621 0.655558 8.73716C0.61953 8.84811 0.615269 8.96692 0.643258 9.08016C0.671246 9.1934 0.730367 9.29655 0.813931 9.37793L4.95393 13.4129L3.97643 19.1117C3.95682 19.2265 3.96971 19.3446 4.01364 19.4525C4.05756 19.5604 4.13078 19.6539 4.22503 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Firstcard’s credit-building features are top-notch, and the ease of use without requiring an SSN are just a few of the reasons why I love Firstcard.</p></div><div class="review-user-name">Nicholas S.</div></div></div></div></div><div class="w-dyn-list"><div role="list" class="marquee-list w-dyn-items"><div role="listitem" class="w-dyn-item"><div style="color:#004754;background-color:#c4fefe" class="review-container"><div class="review-content"><div class="w-embed"><svg width="132" height="21" viewBox="0 0 132 21" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M10.5602 2.29668C10.5085 2.19235 10.4286 2.10454 10.3297 2.04314C10.2308 1.98175 10.1166 1.94922 10.0002 1.94922C9.88374 1.94922 9.76961 1.98175 9.67066 2.04314C9.57172 2.10454 9.49189 2.19235 9.44018 2.29668L6.88143 7.48043L1.16018 8.31169C1.04474 8.32845 0.936301 8.37718 0.847122 8.45237C0.757943 8.52757 0.691586 8.62621 0.655558 8.73716C0.61953 8.84811 0.615269 8.96692 0.643258 9.08016C0.671246 9.1934 0.730367 9.29655 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The bonus cashback feature is a fun addition, and it's helped me save money effortlessly on everyday purchases.</p></div><div class="review-user-name">Katherine K. </div></div></div><div role="listitem" class="w-dyn-item"><div style="color:#7722be;background-color:#fee7fe" class="review-container"><div class="review-content"><div class="w-embed"><svg width="132" height="21" viewBox="0 0 132 21" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M10.5602 2.29668C10.5085 2.19235 10.4286 2.10454 10.3297 2.04314C10.2308 1.98175 10.1166 1.94922 10.0002 1.94922C9.88374 1.94922 9.76961 1.98175 9.67066 2.04314C9.57172 2.10454 9.49189 2.19235 9.44018 2.29668L6.88143 7.48043L1.16018 8.31169C1.04474 8.32845 0.936301 8.37718 0.847122 8.45237C0.757943 8.52757 0.691586 8.62621 0.655558 8.73716C0.61953 8.84811 0.615269 8.96692 0.643258 9.08016C0.671246 9.1934 0.730367 9.29655 0.813931 9.37793L4.95393 13.4129L3.97643 19.1117C3.95682 19.2265 3.96971 19.3446 4.01364 19.4525C4.05756 19.5604 4.13078 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The cashback rewards are fantastic, and I love that there are no hidden fees. It's perfect for managing my spending and building credit without stress.</p></div><div class="review-user-name">Brody M. </div></div></div><div role="listitem" class="w-dyn-item"><div style="color:#263900;background-color:#ecffbb" class="review-container"><div class="review-content"><div class="w-embed"><svg width="132" height="21" viewBox="0 0 132 21" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M10.5602 2.29668C10.5085 2.19235 10.4286 2.10454 10.3297 2.04314C10.2308 1.98175 10.1166 1.94922 10.0002 1.94922C9.88374 1.94922 9.76961 1.98175 9.67066 2.04314C9.57172 2.10454 9.49189 2.19235 9.44018 2.29668L6.88143 7.48043L1.16018 8.31169C1.04474 8.32845 0.936301 8.37718 0.847122 8.45237C0.757943 8.52757 0.691586 8.62621 0.655558 8.73716C0.61953 8.84811 0.615269 8.96692 0.643258 9.08016C0.671246 9.1934 0.730367 9.29655 0.813931 9.37793L4.95393 13.4129L3.97643 19.1117C3.95682 19.2265 3.96971 19.3446 4.01364 19.4525C4.05756 19.5604 4.13078 19.6539 4.22503 19.7224C4.31928 19.7909 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Earning up to 15% cashback when I dine out or buy boba and enjoying an additional 10% cashback through the app’s spinning wheel have made managing my expenses while building credit much more fun and rewarding.</p></div><div class="review-user-name">Leon Y</div></div></div><div role="listitem" class="w-dyn-item"><div style="color:#004754;background-color:#c4fefe" class="review-container"><div class="review-content"><div class="w-embed"><svg width="132" height="21" viewBox="0 0 132 21" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M10.5602 2.29668C10.5085 2.19235 10.4286 2.10454 10.3297 2.04314C10.2308 1.98175 10.1166 1.94922 10.0002 1.94922C9.88374 1.94922 9.76961 1.98175 9.67066 2.04314C9.57172 2.10454 9.49189 2.19235 9.44018 2.29668L6.88143 7.48043L1.16018 8.31169C1.04474 8.32845 0.936301 8.37718 0.847122 8.45237C0.757943 8.52757 0.691586 8.62621 0.655558 8.73716C0.61953 8.84811 0.615269 8.96692 0.643258 9.08016C0.671246 9.1934 0.730367 9.29655 0.813931 9.37793L4.95393 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19.7224C127.87 19.6539 127.943 19.5604 127.987 19.4525C128.031 19.3446 128.044 19.2265 128.024 19.1117L127.046 13.4117L131.186 9.37793C131.27 9.29655 131.329 9.1934 131.357 9.08016C131.385 8.96692 131.381 8.84811 131.345 8.73716C131.309 8.62621 131.242 8.52757 131.153 8.45237C131.064 8.37718 130.956 8.32845 130.84 8.31169L125.119 7.48043L122.56 2.29668Z" fill="currentColor"/> </svg></div><div class="review-heading">Safe Credit Building with Autopay!</div><p class="review-text">I love using Firstcard as an international student! The autopay feature ensures my card is always paid off on time, helping me to build credit safely. The excellent cashback rewards are a great way to save a little extra money whenever I shop or eat out. Thanks to Firstcard, I’m able to build my credit and manage my expenses effectively in the US.</p></div><div class="review-user-name">Patricia P</div></div></div><div role="listitem" class="w-dyn-item"><div style="color:#5b4700;background-color:#fffac4" class="review-container"><div class="review-content"><div class="w-embed"><svg width="132" height="21" viewBox="0 0 132 21" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M10.5602 2.29668C10.5085 2.19235 10.4286 2.10454 10.3297 2.04314C10.2308 1.98175 10.1166 1.94922 10.0002 1.94922C9.88374 1.94922 9.76961 1.98175 9.67066 2.04314C9.57172 2.10454 9.49189 2.19235 9.44018 2.29668L6.88143 7.48043L1.16018 8.31169C1.04474 8.32845 0.936301 8.37718 0.847122 8.45237C0.757943 8.52757 0.691586 8.62621 0.655558 8.73716C0.61953 8.84811 0.615269 8.96692 0.643258 9.08016C0.671246 9.1934 0.730367 9.29655 0.813931 9.37793L4.95393 13.4129L3.97643 19.1117C3.95682 19.2265 3.96971 19.3446 4.01364 19.4525C4.05756 19.5604 4.13078 19.6539 4.22503 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8.52757 103.153 8.45237C103.064 8.37718 102.956 8.32845 102.84 8.31169L97.1189 7.48043L94.5602 2.29668Z" fill="currentColor"/> <path d="M122.56 2.29668C122.508 2.19235 122.429 2.10454 122.33 2.04314C122.231 1.98175 122.117 1.94922 122 1.94922C121.884 1.94922 121.77 1.98175 121.671 2.04314C121.572 2.10454 121.492 2.19235 121.44 2.29668L118.881 7.48043L113.16 8.31169C113.045 8.32845 112.936 8.37718 112.847 8.45237C112.758 8.52757 112.692 8.62621 112.656 8.73716C112.62 8.84811 112.615 8.96692 112.643 9.08016C112.671 9.1934 112.73 9.29655 112.814 9.37793L116.954 13.4129L115.976 19.1117C115.957 19.2265 115.97 19.3446 116.014 19.4525C116.058 19.5604 116.131 19.6539 116.225 19.7224C116.319 19.7909 116.431 19.8317 116.547 19.8402C116.663 19.8487 116.779 19.8245 116.883 19.7704L122 17.0792L127.118 19.7704C127.221 19.8245 127.337 19.8487 127.453 19.8402C127.57 19.8317 127.681 19.7909 127.775 19.7224C127.87 19.6539 127.943 19.5604 127.987 19.4525C128.031 19.3446 128.044 19.2265 128.024 19.1117L127.046 13.4117L131.186 9.37793C131.27 9.29655 131.329 9.1934 131.357 9.08016C131.385 8.96692 131.381 8.84811 131.345 8.73716C131.309 8.62621 131.242 8.52757 131.153 8.45237C131.064 8.37718 130.956 8.32845 130.84 8.31169L125.119 7.48043L122.56 2.29668Z" fill="currentColor"/> </svg></div><div class="review-heading">The easiest way to build credit in the US!</div><p class="review-text">If you’re an international student looking for the easiest way to start building credit in the US look no further! Firstcard’s credit-building features are top-notch, and the ease of use without requiring an SSN are just a few of the reasons why I love Firstcard.</p></div><div class="review-user-name">Nicholas S.</div></div></div></div></div></div></div></div></section><div class="footer-container"><div class="section-padding"><div class="section-container"><div class="footer-section"><div class="div-block-648"><div class="div-block-927"><h2 class="footer-heading">Invest in your future<br/></h2><h2 class="footer-heading">Start building credit today</h2></div><div class="div-block-649"><div class="div-block-668"><a href="https://web.firstcard.app/apply-now?utm_source=website&utm_campaign=securedcreditcard&utm_medium=web" target="_blank" class="secondary-button large-button w-button">Get Started</a></div><div class="div-block-669"><a href="#" class="secondary-button medium-button w-button">Get Started</a></div></div><div class="div-block-650"><a href="https://play.google.com/store/apps/details?id=com.firstcard.firstcard" target="_blank" class="w-inline-block"><img src="https://cdn.prod.website-files.com/61afd9d2252e0b378d32ae66/66607555c161caa14ef25d77_Gplay%20(2).png" loading="lazy" alt="" class="footer-store-image"/></a><a href="https://apps.apple.com/us/app/firstcard-banking-for-students/id1547581130" target="_blank" class="w-inline-block"><img src="https://cdn.prod.website-files.com/61afd9d2252e0b378d32ae66/6660754fb5d60ad3740befe2_AppStore.png" loading="lazy" alt="" class="footer-store-image"/></a></div></div></div><div class="footer-section"><div class="div-block-651"><div class="footer-list"><div class="footer-list-heading">Company</div><a href="/cn/about-us" class="tertiary-button w-button">About Us</a><a href="/cn/learn" class="tertiary-button w-button">Learn</a><a href="/cn/fees" class="tertiary-button w-button">Fees</a><a href="/scholarship" class="tertiary-button w-button">Scholarship</a></div><div class="footer-list"><div class="footer-list-heading">Legal & Regulatory</div><a href="/cn/terms-of-use" class="tertiary-button w-button">Terms of use</a><a href="/cn/disclosure" class="tertiary-button w-button">Disclosures</a><a href="/cn/privacy-policy" class="tertiary-button w-button">Privacy Policy</a><a href="/cn/cashback-policy" class="tertiary-button w-button">Cashback Program</a><a href="/cn/referral-program-policy" class="tertiary-button w-button">Referral Program Policy</a><a href="/cn/marketing-promotional-campaigns-terms-and-conditions" class="tertiary-button w-button">Marketing Campaign Terms</a><a href="/cn/security" class="tertiary-button w-button">Security at Firstcard</a></div><div class="footer-list"><div class="footer-list-heading">Contact Us</div><a href="/cn/help-center" class="tertiary-button w-button">FAQ</a><a href="#" class="tertiary-button hidden w-button">Help Center</a><a href="mailto:support@firstcard.app" class="tertiary-button w-button">support@firstcard.app</a></div><div class="footer-list last-footer-list"><div class="footer-list-heading">Follow</div><div class="div-block-652"><a href="https://www.facebook.com/profile.php?id=100063942454594" target="_blank" class="w-inline-block"><img src="https://cdn.prod.website-files.com/61afd9d2252e0b378d32ae66/66607b6573d1c84715a5d440_facebook.svg" loading="lazy" alt=""/></a><a href="https://x.com/FirstcardApp" target="_blank" class="w-inline-block"><img src="https://cdn.prod.website-files.com/61afd9d2252e0b378d32ae66/66607b7ae3de63c3d6d07e90_X.svg" loading="lazy" alt=""/></a><a href="https://www.instagram.com/firstcard.app/" target="_blank" class="w-inline-block"><img src="https://cdn.prod.website-files.com/61afd9d2252e0b378d32ae66/66607b82b50d36fda4bf3e4b_instagram.svg" loading="lazy" alt=""/></a><a href="https://www.linkedin.com/company/firstcard-inc/" target="_blank" class="w-inline-block"><img src="https://cdn.prod.website-files.com/61afd9d2252e0b378d32ae66/66607b936f7a40e67841f50a_Group.svg" loading="lazy" alt=""/></a><a href="https://www.tiktok.com/@firstcard.app" target="_blank" class="w-inline-block"><img src="https://cdn.prod.website-files.com/61afd9d2252e0b378d32ae66/66607b98e299e8f448eb4554_TikTok.svg" loading="lazy" alt=""/></a><a href="https://medium.com/firstcard" target="_blank" class="w-inline-block"><img src="https://cdn.prod.website-files.com/61afd9d2252e0b378d32ae66/66607b9b5a7c19087570c4b7_layer1.svg" loading="lazy" alt=""/></a></div></div></div><img src="https://cdn.prod.website-files.com/61afd9d2252e0b378d32ae66/66607d97ef53ef85a53d68b2_Logo%20(1).svg" loading="lazy" alt="" class="image-92"/><div class="div-block-653"><div class="text-block-39">© 2025 Firstcard. All rights reserved.</div><a href="https://consumer.ftc.gov/" class="link-2">FTC</a></div></div><div class="footer-disclaimer"><div class="disclosures-container disclosures-secondary"><div class="disclosures-content disclosures-content-secondary w-richtext"><p>Firstcard is a financial technology company, not a bank. Banking services are provided by Regent Bank, Member FDIC. Firstcard credit cards are issued by Regent Bank, pursuant to a license from Mastercard. Valid for 18+ and subject to account approval. FDIC deposit insurance up to $250,000 per qualified customer account on a "pass-through" basis; FDIC insurance only covers failure of insured depository institutions. Certain conditions must be satisfied for pass-through FDIC deposit insurance to apply.</p></div><div class="disclosure-content"><p class="disclosure-item disclosures-secondary-item block">Forbes Featured Partner: <a href="https://www.forbes.com/advisor/credit-cards/best/international-students/" target="_blank">https://www.forbes.com/advisor/credit-cards/best/international-students/</a></p></div><div class="disclosure-content"><p class="disclosure-item disclosures-secondary-item block">Time Featured Partner: <a href="https://time.com/personal-finance/article/best-credit-cards-for-students/" target="_blank">https://time.com/personal-finance/article/best-credit-cards-for-students/</a></p></div><div class="disclosure-content"><p class="disclosure-item disclosures-secondary-item block">CNN Featured Partner: <a href="https://www.cnn.com/cnn-underscored/money/best-credit-cards-college-students" target="_blank">https://www.cnn.com/cnn-underscored/money/best-credit-cards-college-students</a></p></div><div class="w-dyn-list"><article role="list" class="w-dyn-items"><div role="listitem" class="collection-item w-dyn-item"><div class="disclosure-content disclosure-secondary-content"><div class="disclosure-item"><sup class="superscript disclosure-superscript">2 </sup></div><div class="disclosure-item disclosures-secondary-item w-richtext"><p>Valid for 18+ and subject to account approval</p><p>‍</p></div></div></div><div role="listitem" class="collection-item w-dyn-item"><div class="disclosure-content disclosure-secondary-content"><div class="disclosure-item"><sup class="superscript disclosure-superscript">2 </sup></div><div class="disclosure-item disclosures-secondary-item w-richtext"><p>Merchant Cashback: The amount of cashback is determined by the transaction and participating merchants. See <a href="http://firstcard.app/cashback-policy">firstcard.app/cashback-policy</a>.</p><p>‍</p></div></div></div><div role="listitem" class="collection-item w-dyn-item"><div class="disclosure-content disclosure-secondary-content"><div class="disclosure-item"><sup class="superscript disclosure-superscript">2 </sup></div><div class="disclosure-item disclosures-secondary-item w-richtext"><p>Random Cashback: Users will receive up to 10% of random cashback on qualifying purchases. A qualifying purchase is a purchase that has been processed and accepted by the merchant and has settled in the entrant's Firstcard account. This purchase may, but not necessarily, include tips, holds, and deposits related to the qualifying purchase. Additionally, the following transaction categories are NOT qualifying purchases and will not be eligible to earn entries into random cashback: 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 <a href="http://firstcard.app/random-cashback-policy">firstcard.app/random-cashback-policy</a>.</p></div></div></div><div role="listitem" class="collection-item w-dyn-item"><div class="disclosure-content disclosure-secondary-content"><div class="disclosure-item"><sup class="superscript disclosure-superscript">2 </sup></div><div class="disclosure-item disclosures-secondary-item w-richtext"><p>The 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. Users with no SSN or ITIN on file are not currently eligible to earn interest. No minimum balance is required. Fees may reduce earnings on the account.</p><p>‍</p></div></div></div><div role="listitem" class="collection-item w-dyn-item"><div class="disclosure-content disclosure-secondary-content"><div class="disclosure-item"><sup class="superscript disclosure-superscript">2 </sup></div><div class="disclosure-item disclosures-secondary-item w-richtext"><p>Firstcard+ 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. Cashback is awarded within 7 days of the eligible transaction posting to your account. No minimum balance required to earn cashback.</p><p>‍</p></div></div></div><div role="listitem" class="collection-item w-dyn-item"><div class="disclosure-content disclosure-secondary-content"><div class="disclosure-item"><sup class="superscript disclosure-superscript">2 </sup></div><div class="disclosure-item disclosures-secondary-item w-richtext"><p>Data pulled from Chase Bank as of October 20, 2023: <a href="https://www.chase.com/content/dam/chase-ux/ratesheets/pdfs/rdfl1.pdf">https://www.chase.com/content/dam/chase-ux/ratesheets/pdfs/rdfl1.pdf</a></p><p>‍</p></div></div></div><div role="listitem" class="collection-item w-dyn-item"><div class="disclosure-content disclosure-secondary-content"><div class="disclosure-item"><sup class="superscript disclosure-superscript">2 </sup></div><div class="disclosure-item disclosures-secondary-item w-richtext"><p>Data pulled from Bank of America as of October 24, 2023: <a href="https://www.bankofamerica.com/deposits/bank-account-interest-rates-modal.go">https://www.bankofamerica.com/deposits/bank-account-interest-rates-modal.go</a></p><p>‍</p></div></div></div><div role="listitem" class="collection-item w-dyn-item"><div class="disclosure-content disclosure-secondary-content"><div class="disclosure-item"><sup class="superscript disclosure-superscript">2 </sup></div><div class="disclosure-item disclosures-secondary-item w-richtext"><p>Data pulled from Wells Fargo as of October 24, 2023: <a href="https://www.wellsfargo.com/checking/prime/">https://www.wellsfargo.com/checking/prime/</a></p><p>‍</p></div></div></div><div role="listitem" class="collection-item w-dyn-item"><div class="disclosure-content disclosure-secondary-content"><div class="disclosure-item"><sup class="superscript disclosure-superscript">2 </sup></div><div class="disclosure-item disclosures-secondary-item w-richtext"><p>Data pulled from Discover It Secured Credit Card as of October 16, 2023 <a href="https://www.discover.com/credit-cards/secured/">https://www.discover.com/credit-cards/secured/</a></p><p>‍</p></div></div></div><div role="listitem" class="collection-item w-dyn-item"><div class="disclosure-content disclosure-secondary-content"><div class="disclosure-item"><sup class="superscript disclosure-superscript">2 </sup></div><div class="disclosure-item disclosures-secondary-item w-richtext"><p>Data pulled Chase Freedom Unlimited credit card from as of October 16, 2023 <a href="https://creditcards.chase.com/cash-back-credit-cards/freedom/unlimited">https://creditcards.chase.com/cash-back-credit-cards/freedom/unlimited</a></p><p>‍</p></div></div></div><div role="listitem" class="collection-item w-dyn-item"><div class="disclosure-content disclosure-secondary-content"><div class="disclosure-item"><sup class="superscript disclosure-superscript">2 </sup></div><div class="disclosure-item disclosures-secondary-item w-richtext"><p>Data pulled from Bank of America Secured Credit Card as of October 16, 2023 <a href="https://www.bankofamerica.com/credit-cards/products/secured-credit-card/">https://www.bankofamerica.com/credit-cards/products/secured-credit-card/</a></p><p>‍</p><p>‍</p></div></div></div><div role="listitem" class="collection-item w-dyn-item"><div class="disclosure-content disclosure-secondary-content"><div class="disclosure-item"><sup class="superscript disclosure-superscript">2 </sup></div><div class="disclosure-item disclosures-secondary-item w-richtext"><p>According to the FDIC, the national average interest rate on savings accounts is 0.45% APY (as of July 15, 2024). <a target="_blank" href="https://www.fdic.gov/resources/bankers/national-rates/">https://www.fdic.gov/resources/bankers/national-rates/</a>.</p></div></div></div></article></div></div></div></div></div></div></section><script src="https://d3e54v103j8qbb.cloudfront.net/js/jquery-3.5.1.min.dc5e7f18c8.js?site=61afd9d2252e0b378d32ae66" type="text/javascript" integrity="sha256-9/aliU8dGd2tb6OSsuzixeV4y/faTqgFtohetphbbj0=" crossorigin="anonymous"></script><script src="https://cdn.prod.website-files.com/61afd9d2252e0b378d32ae66/js/firstcard.1b26b0c7.c27d2ee3905e432c.js" type="text/javascript"></script> <noscript><iframe src="https://www.googletagmanager.com/ns.html?id=GTM-T37GVBS" height="0" width="0" style="display:none;visibility:hidden"></iframe></noscript>     <script> $(document).ready(() => { const register = (email) => $.ajax({ dataType: "json", contentType: "application/json", url: "https://api.firstcard.app/v2/landing/register", method: "POST", data: JSON.stringify({ email }), }).done((msg) => { var parent = $('.waitlist-form'); 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