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About Us - Firstcard
<!DOCTYPE html><!-- Last Published: Thu Feb 06 2025 19:46:10 GMT+0000 (Coordinated Universal Time) --><html data-wf-domain="firstcard.webflow.io" data-wf-page="6668966d6875406332dd9448" data-wf-site="61afd9d2252e0b378d32ae66" lang="zh" data-wf-locale="zh"><head><meta charset="utf-8"/><title>About Us - Firstcard</title><link rel="alternate" hrefLang="x-default" href="https://www.firstcard.app/about-us"/><link rel="alternate" hrefLang="en-US" href="https://www.firstcard.app/about-us"/><link rel="alternate" hrefLang="zh" href="https://www.firstcard.app/cn/about-us"/><link rel="alternate" hrefLang="ja" href="https://www.firstcard.app/jp/about-us"/><link rel="alternate" hrefLang="es" href="https://www.firstcard.app/es/about-us"/><link rel="alternate" hrefLang="pt-BR" href="https://www.firstcard.app/pt/about-us"/><meta content="Learn more about Firstcard and how we are democratizing credit for all." name="description"/><meta content="About Us - Firstcard" property="og:title"/><meta 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.disclosure-item a { color: var(--cold-400); } </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" aria-current="page" class="header-link w-inline-block w--current"><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="/about-us" 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/about-us" 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/about-us" 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/about-us" 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/about-us" 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_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" class="menu-item w-inline-block"><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" class="dropdown-nav-item w-inline-block"><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" aria-current="page" class="navbar-item-mobile w-inline-block w--current"><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><div class="div-block-674"><div class="section-padding"><div class="section-container"><div class="div-block-675"><div class="pill"><div class="text-block-45">our mission</div></div><h2 class="heading_2 hidden-mobile">We’re on a mission to democratize credit for all.</h2><h3 class="heading_3 hidden-desktop">We’re on a mission to democratize credit for all.</h3></div></div></div></div><div class="div-block-682"><img src="https://cdn.prod.website-files.com/61afd9d2252e0b378d32ae66/6668f3521c2a2e0ea0f9579e_image%20(9).webp" loading="lazy" sizes="100vw" srcset="https://cdn.prod.website-files.com/61afd9d2252e0b378d32ae66/6668f3521c2a2e0ea0f9579e_image%20(9)-p-500.webp 500w, https://cdn.prod.website-files.com/61afd9d2252e0b378d32ae66/6668f3521c2a2e0ea0f9579e_image%20(9)-p-800.webp 800w, https://cdn.prod.website-files.com/61afd9d2252e0b378d32ae66/6668f3521c2a2e0ea0f9579e_image%20(9)-p-1080.webp 1080w, https://cdn.prod.website-files.com/61afd9d2252e0b378d32ae66/6668f3521c2a2e0ea0f9579e_image%20(9)-p-1600.webp 1600w, https://cdn.prod.website-files.com/61afd9d2252e0b378d32ae66/6668f3521c2a2e0ea0f9579e_image%20(9)-p-2000.webp 2000w, https://cdn.prod.website-files.com/61afd9d2252e0b378d32ae66/6668f3521c2a2e0ea0f9579e_image%20(9)-p-2600.webp 2600w, https://cdn.prod.website-files.com/61afd9d2252e0b378d32ae66/6668f3521c2a2e0ea0f9579e_image%20(9).webp 2879w" alt="" class="image-95"/><img src="https://cdn.prod.website-files.com/61afd9d2252e0b378d32ae66/666899d979b988307993ba92_image%20(8).webp" loading="lazy" sizes="100vw" srcset="https://cdn.prod.website-files.com/61afd9d2252e0b378d32ae66/666899d979b988307993ba92_image%20(8)-p-500.webp 500w, https://cdn.prod.website-files.com/61afd9d2252e0b378d32ae66/666899d979b988307993ba92_image%20(8)-p-800.webp 800w, https://cdn.prod.website-files.com/61afd9d2252e0b378d32ae66/666899d979b988307993ba92_image%20(8)-p-1080.webp 1080w, https://cdn.prod.website-files.com/61afd9d2252e0b378d32ae66/666899d979b988307993ba92_image%20(8)-p-1600.webp 1600w, https://cdn.prod.website-files.com/61afd9d2252e0b378d32ae66/666899d979b988307993ba92_image%20(8)-p-2000.webp 2000w, https://cdn.prod.website-files.com/61afd9d2252e0b378d32ae66/666899d979b988307993ba92_image%20(8).webp 2048w" alt="" class="image-96"/><img src="https://cdn.prod.website-files.com/61afd9d2252e0b378d32ae66/666988f741020bf3b1138443_image%20(11).webp" loading="lazy" sizes="100vw" srcset="https://cdn.prod.website-files.com/61afd9d2252e0b378d32ae66/666988f741020bf3b1138443_image%20(11)-p-500.webp 500w, https://cdn.prod.website-files.com/61afd9d2252e0b378d32ae66/666988f741020bf3b1138443_image%20(11)-p-800.webp 800w, https://cdn.prod.website-files.com/61afd9d2252e0b378d32ae66/666988f741020bf3b1138443_image%20(11)-p-1080.webp 1080w, https://cdn.prod.website-files.com/61afd9d2252e0b378d32ae66/666988f741020bf3b1138443_image%20(11).webp 1536w" alt="" class="image-97"/><img src="https://cdn.prod.website-files.com/61afd9d2252e0b378d32ae66/666989a0add8d4fb18ec38a3_image%20(12).webp" loading="lazy" sizes="100vw" srcset="https://cdn.prod.website-files.com/61afd9d2252e0b378d32ae66/666989a0add8d4fb18ec38a3_image%20(12)-p-500.webp 500w, https://cdn.prod.website-files.com/61afd9d2252e0b378d32ae66/666989a0add8d4fb18ec38a3_image%20(12).webp 750w" alt="" class="image-98"/></div><div class="div-block-676"><div class="section-padding"><div class="section-container"><div class="div-block-677"><section class="section-10"><h2 class="heading_2">Meet our team</h2><p class="paragraph-18">Our team at Firstcard has more than 40 years of combined experience in the finance and tech industries.</p></section><section class="team-section"><div class="team-member"><img src="https://cdn.prod.website-files.com/61afd9d2252e0b378d32ae66/6669a433aa556e7f0f42595d_Image%20(3).png" alt="" width="70" sizes="(max-width: 479px) 100vw, (max-width: 991px) 219px, 224px" srcset="https://cdn.prod.website-files.com/61afd9d2252e0b378d32ae66/6669a433aa556e7f0f42595d_Image%20(3)-p-500.png 500w, https://cdn.prod.website-files.com/61afd9d2252e0b378d32ae66/6669a433aa556e7f0f42595d_Image%20(3).png 654w" class="image-99"/><div class="member-information"><div class="member-name">Ma Qing</div><div class="member-position">CMO</div><div class="member-description">Entrepreneur and experienced Marketing leader. Ex-JPMorgan, Public.com, Republic.</div><a href="https://www.linkedin.com/in/qingma1/" target="_blank" class="w-inline-block"><img src="https://cdn.prod.website-files.com/61afd9d2252e0b378d32ae66/66689eb5af8074aa302c842c_Group%20(1).svg" loading="lazy" alt=""/></a></div></div><div class="team-member"><img src="https://cdn.prod.website-files.com/61afd9d2252e0b378d32ae66/6669a433d840a1ff6c483855_Image%20(4).png" alt="" width="70" sizes="(max-width: 479px) 100vw, (max-width: 991px) 219px, 224px" srcset="https://cdn.prod.website-files.com/61afd9d2252e0b378d32ae66/6669a433d840a1ff6c483855_Image%20(4)-p-500.png 500w, https://cdn.prod.website-files.com/61afd9d2252e0b378d32ae66/6669a433d840a1ff6c483855_Image%20(4).png 654w" class="image-99"/><div class="member-information"><div class="member-name">Daniel Junqueira</div><div class="member-position">Co-Founder and CTO</div><div class="member-description">Leading engineering teams for 10+ years.</div><a href="https://www.linkedin.com/in/danieljunqueira/" target="_blank" class="w-inline-block"><img src="https://cdn.prod.website-files.com/61afd9d2252e0b378d32ae66/66689eb5af8074aa302c842c_Group%20(1).svg" loading="lazy" alt=""/></a></div></div><div class="team-member"><img src="https://cdn.prod.website-files.com/61afd9d2252e0b378d32ae66/6669a43476e4f2dc08324e85_Image%20(5).png" alt="" width="70" sizes="(max-width: 479px) 100vw, (max-width: 991px) 219px, 224px" srcset="https://cdn.prod.website-files.com/61afd9d2252e0b378d32ae66/6669a43476e4f2dc08324e85_Image%20(5)-p-500.png 500w, https://cdn.prod.website-files.com/61afd9d2252e0b378d32ae66/6669a43476e4f2dc08324e85_Image%20(5).png 654w" class="image-99"/><div class="member-information"><div class="member-name">Dr. Richard Dasher</div><div class="member-position">Board Director</div><div class="member-description">Adjunct Professor at Stanford University.</div><a href="https://www.linkedin.com/in/rdasher/" target="_blank" class="w-inline-block"><img src="https://cdn.prod.website-files.com/61afd9d2252e0b378d32ae66/66689eb5af8074aa302c842c_Group%20(1).svg" loading="lazy" alt=""/></a></div></div><div class="team-member"><img src="https://cdn.prod.website-files.com/61afd9d2252e0b378d32ae66/6669a43587384342f18eeb54_Image%20(6).png" alt="" width="70" sizes="(max-width: 479px) 100vw, (max-width: 991px) 219px, 224px" srcset="https://cdn.prod.website-files.com/61afd9d2252e0b378d32ae66/6669a43587384342f18eeb54_Image%20(6)-p-500.png 500w, https://cdn.prod.website-files.com/61afd9d2252e0b378d32ae66/6669a43587384342f18eeb54_Image%20(6).png 654w" class="image-99"/><div class="member-information"><div class="member-name">Alexandre Michetti</div><div class="member-position">VP of Engineering</div><div class="member-description">Ex – Engineer at Amazon.</div><a href="https://www.linkedin.com/in/alexandremichetti/" target="_blank" class="w-inline-block"><img src="https://cdn.prod.website-files.com/61afd9d2252e0b378d32ae66/66689eb5af8074aa302c842c_Group%20(1).svg" loading="lazy" alt=""/></a></div></div><div class="team-member"><img src="https://cdn.prod.website-files.com/61afd9d2252e0b378d32ae66/6669a433ed4391fbbddb8382_Image%20(7).png" alt="" width="70" sizes="(max-width: 479px) 100vw, (max-width: 991px) 219px, 224px" srcset="https://cdn.prod.website-files.com/61afd9d2252e0b378d32ae66/6669a433ed4391fbbddb8382_Image%20(7)-p-500.png 500w, https://cdn.prod.website-files.com/61afd9d2252e0b378d32ae66/6669a433ed4391fbbddb8382_Image%20(7).png 654w" class="image-99"/><div class="member-information"><div class="member-name">Kenji Niwa</div><div class="member-position">Co-Founder and CEO</div><div class="member-description">Serial Entrepreneur, UC Berkeley MBA.</div><a href="https://www.linkedin.com/in/kenjiniwa/" target="_blank" class="w-inline-block"><img src="https://cdn.prod.website-files.com/61afd9d2252e0b378d32ae66/66689eb5af8074aa302c842c_Group%20(1).svg" loading="lazy" alt=""/></a></div></div><div class="team-member"><img src="https://cdn.prod.website-files.com/61afd9d2252e0b378d32ae66/6669a433bc27319086f0ce16_Image%20(9).png" alt="" width="70" class="image-99"/><div class="member-information"><div class="member-name">Madison Fawcett</div><div class="member-position">Marketing Manager</div><div class="member-description">Passionate about marketing and consumer tech.</div><a href="https://www.linkedin.com/in/madison-fawcett/" target="_blank" class="w-inline-block"><img src="https://cdn.prod.website-files.com/61afd9d2252e0b378d32ae66/66689eb5af8074aa302c842c_Group%20(1).svg" loading="lazy" alt=""/></a></div></div><div class="team-member"><img src="https://cdn.prod.website-files.com/61afd9d2252e0b378d32ae66/6669a433ad7a791e974c6bd9_Image%20(10).png" alt="" width="70" sizes="(max-width: 479px) 100vw, (max-width: 991px) 219px, 224px" srcset="https://cdn.prod.website-files.com/61afd9d2252e0b378d32ae66/6669a433ad7a791e974c6bd9_Image%20(10)-p-500.png 500w, https://cdn.prod.website-files.com/61afd9d2252e0b378d32ae66/6669a433ad7a791e974c6bd9_Image%20(10).png 654w" class="image-99"/><div class="member-information"><div class="member-name">Mateus Milanez</div><div class="member-position">Sr. Software Engineer</div><div class="member-description">Experienced Software Engineer, passionate about coding.</div><a href="https://www.linkedin.com/in/mateus-milanez/" target="_blank" class="w-inline-block"><img src="https://cdn.prod.website-files.com/61afd9d2252e0b378d32ae66/66689eb5af8074aa302c842c_Group%20(1).svg" loading="lazy" alt=""/></a></div></div><div class="team-member"><img src="https://cdn.prod.website-files.com/61afd9d2252e0b378d32ae66/6669a433c0b676b0a01b8652_Image%20(11).png" alt="" width="70" sizes="(max-width: 479px) 100vw, (max-width: 991px) 219px, 224px" srcset="https://cdn.prod.website-files.com/61afd9d2252e0b378d32ae66/6669a433c0b676b0a01b8652_Image%20(11)-p-500.png 500w, https://cdn.prod.website-files.com/61afd9d2252e0b378d32ae66/6669a433c0b676b0a01b8652_Image%20(11).png 654w" class="image-99"/><div class="member-information"><div class="member-name">Diogo Melo</div><div class="member-position">Sr. Software Engineer</div><div class="member-description">13+ years of experience developing great software.</div><a href="https://www.linkedin.com/in/diogo-melo-0a9aa2115/" target="_blank" class="w-inline-block"><img src="https://cdn.prod.website-files.com/61afd9d2252e0b378d32ae66/66689eb5af8074aa302c842c_Group%20(1).svg" loading="lazy" alt=""/></a></div></div><div class="team-member"><img src="https://cdn.prod.website-files.com/61afd9d2252e0b378d32ae66/66c4ed4c547e8884d3289dca_Image%20(15).png" alt="" width="70" class="image-99"/><div class="member-information"><div class="member-name">Heitor Polidoro</div><div class="member-position">Sr. Software Engineer</div><div class="member-description">Master in Robotics.<br/>Coding since 2010.<br/>Love puzzles.</div><a href="https://www.linkedin.com/in/heitor-polidoro/" target="_blank" class="w-inline-block"><img src="https://cdn.prod.website-files.com/61afd9d2252e0b378d32ae66/66689eb5af8074aa302c842c_Group%20(1).svg" loading="lazy" alt=""/></a></div></div><div class="team-member"><img src="https://cdn.prod.website-files.com/61afd9d2252e0b378d32ae66/66a931a208362c46bcd1de60_Image%20(14).png" alt="" width="70" class="image-99"/><div class="member-information"><div class="member-name">Dênis Martins</div><div class="member-position">Software Engineer</div><div class="member-description">Driven by tech and thrive on front end development.</div><a href="https://www.linkedin.com/in/denismartinsasouza/" target="_blank" class="w-inline-block"><img src="https://cdn.prod.website-files.com/61afd9d2252e0b378d32ae66/66689eb5af8074aa302c842c_Group%20(1).svg" loading="lazy" alt=""/></a></div></div><div class="team-member"><img src="https://cdn.prod.website-files.com/61afd9d2252e0b378d32ae66/6669a433d509a62769672882_Image%20(12).png" alt="" width="70" sizes="(max-width: 479px) 100vw, (max-width: 991px) 219px, 224px" srcset="https://cdn.prod.website-files.com/61afd9d2252e0b378d32ae66/6669a433d509a62769672882_Image%20(12)-p-500.png 500w, https://cdn.prod.website-files.com/61afd9d2252e0b378d32ae66/6669a433d509a62769672882_Image%20(12).png 654w" class="image-99"/><div class="member-information"><div class="member-name">Hannah Semaya</div><div class="member-position">Marketing Intern</div><div class="member-description">Student at Boston University.</div><a href="https://www.linkedin.com/in/hannahsemaya/" target="_blank" class="w-inline-block"><img src="https://cdn.prod.website-files.com/61afd9d2252e0b378d32ae66/66689eb5af8074aa302c842c_Group%20(1).svg" loading="lazy" alt=""/></a></div></div></section><div class="team-carousel-container"><div class="team-carousel-list"><div class="team-carousel-item"><div class="team-member"><img src="https://cdn.prod.website-files.com/61afd9d2252e0b378d32ae66/66defbaeeb590fdbcaf20a5b_image%20(26).webp" alt="" width="70" sizes="100vw" srcset="https://cdn.prod.website-files.com/61afd9d2252e0b378d32ae66/66defbaeeb590fdbcaf20a5b_image%20(26)-p-500.webp 500w, https://cdn.prod.website-files.com/61afd9d2252e0b378d32ae66/66defbaeeb590fdbcaf20a5b_image%20(26).webp 654w" class="image-99"/><div class="member-information"><div class="member-name">Ma Qing</div><div class="member-position">CMO</div><div class="member-description">Entrepreneur and experienced Marketing leader. Ex-JPMorgan, Public.com, Republic.</div><a href="https://www.linkedin.com/in/qingma1/" target="_blank" class="w-inline-block"><img src="https://cdn.prod.website-files.com/61afd9d2252e0b378d32ae66/66689eb5af8074aa302c842c_Group%20(1).svg" loading="lazy" alt=""/></a></div></div></div><div class="team-carousel-item"><div class="team-member"><img src="https://cdn.prod.website-files.com/61afd9d2252e0b378d32ae66/66defbd9c5c69c3a7bc3019f_image%20(27).webp" alt="" width="70" sizes="100vw" srcset="https://cdn.prod.website-files.com/61afd9d2252e0b378d32ae66/66defbd9c5c69c3a7bc3019f_image%20(27)-p-500.webp 500w, https://cdn.prod.website-files.com/61afd9d2252e0b378d32ae66/66defbd9c5c69c3a7bc3019f_image%20(27).webp 654w" class="image-99"/><div class="member-information"><div class="member-name">Daniel Junqueira</div><div class="member-position">Co-Founder and CTO</div><div class="member-description">Leading engineering teams for 10+ years.</div><a href="https://www.linkedin.com/in/danieljunqueira/" target="_blank" class="w-inline-block"><img src="https://cdn.prod.website-files.com/61afd9d2252e0b378d32ae66/66689eb5af8074aa302c842c_Group%20(1).svg" loading="lazy" alt=""/></a></div></div></div><div class="team-carousel-item"><div class="team-member"><img src="https://cdn.prod.website-files.com/61afd9d2252e0b378d32ae66/66defbff53a41d3ecebf527e_image%20(28).webp" alt="" width="70" sizes="100vw" srcset="https://cdn.prod.website-files.com/61afd9d2252e0b378d32ae66/66defbff53a41d3ecebf527e_image%20(28)-p-500.webp 500w, https://cdn.prod.website-files.com/61afd9d2252e0b378d32ae66/66defbff53a41d3ecebf527e_image%20(28).webp 654w" class="image-99"/><div class="member-information"><div class="member-name">Dr. Richard Dasher</div><div class="member-position">Board Director</div><div class="member-description">Adjunct Professor at Stanford University.</div><a href="https://www.linkedin.com/in/rdasher/" target="_blank" class="w-inline-block"><img src="https://cdn.prod.website-files.com/61afd9d2252e0b378d32ae66/66689eb5af8074aa302c842c_Group%20(1).svg" loading="lazy" alt=""/></a></div></div></div><div class="team-carousel-item"><div class="team-member"><img src="https://cdn.prod.website-files.com/61afd9d2252e0b378d32ae66/66defc30eb590fdbcaf26cb6_image%20(29).webp" alt="" width="70" sizes="100vw" srcset="https://cdn.prod.website-files.com/61afd9d2252e0b378d32ae66/66defc30eb590fdbcaf26cb6_image%20(29)-p-500.webp 500w, https://cdn.prod.website-files.com/61afd9d2252e0b378d32ae66/66defc30eb590fdbcaf26cb6_image%20(29).webp 654w" class="image-99"/><div class="member-information"><div class="member-name">Alexandre Michetti</div><div class="member-position">VP of Engineering</div><div class="member-description">Ex – Engineer at Amazon.</div><a href="https://www.linkedin.com/in/alexandremichetti/" target="_blank" class="w-inline-block"><img src="https://cdn.prod.website-files.com/61afd9d2252e0b378d32ae66/66689eb5af8074aa302c842c_Group%20(1).svg" loading="lazy" alt=""/></a></div></div></div><div class="team-carousel-item"><div class="team-member"><img src="https://cdn.prod.website-files.com/61afd9d2252e0b378d32ae66/66defc529570c5e6fc5b6864_image%20(30).webp" alt="" width="70" sizes="100vw" srcset="https://cdn.prod.website-files.com/61afd9d2252e0b378d32ae66/66defc529570c5e6fc5b6864_image%20(30)-p-500.webp 500w, https://cdn.prod.website-files.com/61afd9d2252e0b378d32ae66/66defc529570c5e6fc5b6864_image%20(30).webp 654w" class="image-99"/><div class="member-information"><div class="member-name">Kenji Niwa</div><div class="member-position">Co-Founder and CEO</div><div class="member-description">Serial Entrepreneur, UC Berkeley MBA.</div><a href="https://www.linkedin.com/in/kenjiniwa/" target="_blank" class="w-inline-block"><img src="https://cdn.prod.website-files.com/61afd9d2252e0b378d32ae66/66689eb5af8074aa302c842c_Group%20(1).svg" loading="lazy" alt=""/></a></div></div></div><div class="team-carousel-item"><div class="team-member"><img src="https://cdn.prod.website-files.com/61afd9d2252e0b378d32ae66/66defc7c4998ecf7741b4e0c_image%20(31).webp" alt="" width="70" sizes="100vw" srcset="https://cdn.prod.website-files.com/61afd9d2252e0b378d32ae66/66defc7c4998ecf7741b4e0c_image%20(31)-p-500.webp 500w, https://cdn.prod.website-files.com/61afd9d2252e0b378d32ae66/66defc7c4998ecf7741b4e0c_image%20(31).webp 654w" class="image-99"/><div class="member-information"><div class="member-name">Madison Fawcett</div><div class="member-position">Marketing Manager</div><div class="member-description">Passionate about marketing and consumer tech.</div><a href="https://www.linkedin.com/in/madison-fawcett/" target="_blank" class="w-inline-block"><img src="https://cdn.prod.website-files.com/61afd9d2252e0b378d32ae66/66689eb5af8074aa302c842c_Group%20(1).svg" loading="lazy" alt=""/></a></div></div></div><div class="team-carousel-item"><div class="team-member"><img src="https://cdn.prod.website-files.com/61afd9d2252e0b378d32ae66/66defc9b9b7ef7639ba93086_image%20(32).webp" alt="" width="70" sizes="100vw" srcset="https://cdn.prod.website-files.com/61afd9d2252e0b378d32ae66/66defc9b9b7ef7639ba93086_image%20(32)-p-500.webp 500w, https://cdn.prod.website-files.com/61afd9d2252e0b378d32ae66/66defc9b9b7ef7639ba93086_image%20(32).webp 654w" class="image-99"/><div class="member-information"><div class="member-name">Mateus Milanez</div><div class="member-position">Sr. Software Engineer</div><div class="member-description">Experienced Software Engineer, passionate about coding.</div><a href="https://www.linkedin.com/in/mateus-milanez/" target="_blank" class="w-inline-block"><img src="https://cdn.prod.website-files.com/61afd9d2252e0b378d32ae66/66689eb5af8074aa302c842c_Group%20(1).svg" loading="lazy" alt=""/></a></div></div></div><div class="team-carousel-item"><div class="team-member"><img src="https://cdn.prod.website-files.com/61afd9d2252e0b378d32ae66/66defcc4e5ccc67c76b26a38_image%20(33).webp" alt="" width="70" sizes="100vw" srcset="https://cdn.prod.website-files.com/61afd9d2252e0b378d32ae66/66defcc4e5ccc67c76b26a38_image%20(33)-p-500.webp 500w, https://cdn.prod.website-files.com/61afd9d2252e0b378d32ae66/66defcc4e5ccc67c76b26a38_image%20(33).webp 654w" class="image-99"/><div class="member-information"><div class="member-name">Diogo Melo</div><div class="member-position">Sr. Software Engineer</div><div class="member-description">13+ years of experience developing great software.</div><a href="https://www.linkedin.com/in/diogo-melo-0a9aa2115/" target="_blank" class="w-inline-block"><img src="https://cdn.prod.website-files.com/61afd9d2252e0b378d32ae66/66689eb5af8074aa302c842c_Group%20(1).svg" loading="lazy" alt=""/></a></div></div></div><div class="team-carousel-item"><div class="team-member"><img src="https://cdn.prod.website-files.com/61afd9d2252e0b378d32ae66/66c4ed4c547e8884d3289dca_Image%20(15).png" alt="" width="70" class="image-99"/><div class="member-information"><div class="member-name">Heitor Polidoro</div><div class="member-position">Sr. Software Engineer</div><div class="member-description">Master in Robotics.<br/>Coding since 2010.<br/>Love puzzles.</div><a href="https://www.linkedin.com/in/diogo-melo-0a9aa2115/" target="_blank" class="w-inline-block"><img src="https://cdn.prod.website-files.com/61afd9d2252e0b378d32ae66/66689eb5af8074aa302c842c_Group%20(1).svg" loading="lazy" alt=""/></a></div></div></div><div class="team-carousel-item"><div class="team-member"><img src="https://cdn.prod.website-files.com/61afd9d2252e0b378d32ae66/66a931a208362c46bcd1de60_Image%20(14).png" alt="" width="70" class="image-99"/><div class="member-information"><div class="member-name">Dênis Martins</div><div class="member-position">Software Engineer</div><div class="member-description">Driven by tech and thrive on front end development.</div><a href="https://www.linkedin.com/in/denismartinsasouza/" target="_blank" class="w-inline-block"><img src="https://cdn.prod.website-files.com/61afd9d2252e0b378d32ae66/66689eb5af8074aa302c842c_Group%20(1).svg" loading="lazy" alt=""/></a></div></div></div><div class="team-carousel-item"><div class="team-member"><img src="https://cdn.prod.website-files.com/61afd9d2252e0b378d32ae66/66defcfa759d4f289cc0aa5f_image%20(34).webp" alt="" width="70" sizes="100vw" srcset="https://cdn.prod.website-files.com/61afd9d2252e0b378d32ae66/66defcfa759d4f289cc0aa5f_image%20(34)-p-500.webp 500w, https://cdn.prod.website-files.com/61afd9d2252e0b378d32ae66/66defcfa759d4f289cc0aa5f_image%20(34).webp 654w" class="image-99"/><div class="member-information"><div class="member-name">Hannah Semaya</div><div class="member-position">Marketing Intern</div><div class="member-description">Student at Boston University.</div><a href="https://www.linkedin.com/in/hannahsemaya/" target="_blank" class="w-inline-block"><img src="https://cdn.prod.website-files.com/61afd9d2252e0b378d32ae66/66689eb5af8074aa302c842c_Group%20(1).svg" loading="lazy" alt=""/></a></div></div></div></div></div></div></div></div></div><div><div class="section-padding"><div class="section-container"><div class="div-block-678"><h2 class="heading_2">The firstcard Story</h2><div class="post-section"><div id="w-node-d31bfdaf-3574-3915-e2e9-c5f9d9121594-32dd9448" class="div-block-680"><div>Firstcard was founded in 2020 by immigrant entrepreneur Kenji Niwa, who moved to the United States after successfully selling his first startup in Japan.</div><div>When he first arrived, Kenji faced many challenges securing a credit card and car loan due to his lack of credit history. There was limited financial education available regarding credit scores in the US. Realizing that he was not alone and that many immigrants, international students, and people with low credit scores face similar obstacles, Kenji decided to build Firstcard to help everyone build credit regardless of their background or credit history.</div></div><div class="post-image-container"><img src="https://cdn.prod.website-files.com/61afd9d2252e0b378d32ae66/66605a84a1e24a0b2eb91688_hero_image%20(6).webp" loading="lazy" sizes="(max-width: 991px) 221.875px, 324.40625px" srcset="https://cdn.prod.website-files.com/61afd9d2252e0b378d32ae66/66605a84a1e24a0b2eb91688_hero_image%20(6)-p-500.webp 500w, https://cdn.prod.website-files.com/61afd9d2252e0b378d32ae66/66605a84a1e24a0b2eb91688_hero_image%20(6)-p-800.webp 800w, https://cdn.prod.website-files.com/61afd9d2252e0b378d32ae66/66605a84a1e24a0b2eb91688_hero_image%20(6).webp 952w" alt="" class="image-94"/></div></div></div></div></div></div><div><div class="section-padding"><div class="section-container"><div class="div-block-681"><h2 class="heading_2">Credit building for everyone</h2><div class="post-section inverted"><div class="post-image-container"><img src="https://cdn.prod.website-files.com/61afd9d2252e0b378d32ae66/6668a9b9be62e370ec9b66c2_rectangle_20742%20(4).webp" loading="lazy" sizes="(max-width: 991px) 225.703125px, 330px" srcset="https://cdn.prod.website-files.com/61afd9d2252e0b378d32ae66/6668a9b9be62e370ec9b66c2_rectangle_20742%20(4)-p-500.webp 500w, https://cdn.prod.website-files.com/61afd9d2252e0b378d32ae66/6668a9b9be62e370ec9b66c2_rectangle_20742%20(4).webp 660w" alt="" class="image-94"/></div><div id="w-node-_645e6bce-02a6-1440-8e00-f636abb34753-32dd9448" class="div-block-680"><div>At Firstcard, we believe that everyone should be able to build credit – no matter who they are, where they are from, or what their credit history is.</div><div>We aim to help immigrants, foreigners, non-US citizens, international students, first-generation college students, first-time credit builders and POC in the US who are often denied credit due to the limited access to credit-building tools provided by traditional banks.</div><div>When other banks reject you, we’re the first to believe in you.</div></div></div></div></div></div></div><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_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 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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><!-- Google Tag Manager (noscript) --> <noscript><iframe src="https://www.googletagmanager.com/ns.html?id=GTM-T37GVBS" height="0" width="0" style="display:none;visibility:hidden"></iframe></noscript> <!-- End Google Tag Manager (noscript) --> <!-------------------------------------------------> <!-- Script to change endpoint of waitlist forms --> <!-------------------------------------------------> <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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