Trying to build credit in the U.S. can feel like signing up for a race you didn’t even know was happening—until you’re already behind. And if you’re an international student, immigrant or just starting out? Most banks aren’t exactly rolling out the red carpet.

That’s where Firstcard comes in. Firstcard helps everyone build credit no matter who they are, where they are from, or their credit history. Members can build credit, open a credit card and a bank account, earn cashback, and grow savings — all within a single platform. 

What Makes Firstcard Different?

Firstcard isn’t a traditional credit card. It’s a secured credit builder card with one clear mission: to democratize credit for all. Learn more about how Firstcard is leveling the playing field.

Here’s what sets Firstcard apart:

  • You’re pre-approved. No credit check or hard inquiry.
  • No SSN required
  • 0% APR, no late fees and no overdraft charges
  • No minimum deposit required
  • Reports to all three major credit bureaus (Experian, Equifax, TransUnion)

Basically, it’s designed to help you build credit faster, cheaper, and safer!

Why You Should Care About Building Credit

Even if you don’t need a loan or credit card right now, your credit score matters. It can affect your ability to rent an apartment, get a cell phone plan, buy a car or even land a job.

And here’s the kicker: You need credit history to build a good credit score… but you need a credit card or loan to build that history. That’s the catch-22 that makes it tough—especially for immigrants, international students or anyone new to the U.S.

Firstcard helps you break that cycle. You can build credit as you spend—without the usual stress.

Perks That Actually Make a Difference

Firstcard isn’t just safer and easier—it actually helps your money go further.

Check out these Firstcard perks:

  • Earn up to 15% cashback at over 29,000 merchants
  • Grow your money with up to 4.00% APY
  • Multilingual customer support in English, Spanish, Chinese, Japanese, and Portuguese

Here’s how Firstcard helps you make the most of every purchase.

You can only spend what you load onto the card, so there’s no risk of debt or overspending, and no interest to worry about.

Who Firstcard is Perfect For

Firstcard was built for people who’ve been overlooked by traditional banks:

  • Individuals with bad credit score
  • International students
  • Immigrants and non-U.S. citizens
  • Beginners with no credit score
  • Anyone who’s tired of being denied

As Firstcard says: “When other banks reject you, we’re the first to believe in you.”

And they mean it.

How to Get Started (and Earn Your KashKick Reward)

Here’s the best part: When you sign up through KashKick, you’ll get $10 just for getting started.

To earn your reward:

  1. Create your Firstcard account
  2. Get approved (no credit check!)
  3. Make your first transaction

That’s it. You’ll start building credit and growing your savings—and you’ll get $10 just for taking the first step.

A Smarter Way to Build Credit

Credit doesn’t have to be confusing. It doesn’t have to be expensive. And it definitely doesn’t have to be out of reach.

Firstcard gives you the tools to take control of your financial future—whether you’re starting off with bad credit or starting from scratch. And with KashKick in your corner, you get rewarded for making smart moves.

Want to dig deeper? Read how Firstcard is helping new arrivals thrive financially in the U.S.

Activate your Firstcard offer through KashKick and earn $10 today.