October 2, 2025
• 2 Minute Read
If you’re new to credit, working to repair bad credit, or an international student looking for a card without a Social Security number, you may be wondering: “What’s the best secured credit card to build credit fast?” The Firstcard® Secured Credit Builder Card could be the answer. With no credit check, FDIC protection, cashback rewards, and tools to track your progress, Firstcard is helping more people than ever take control of their financial futures.
What Is the Firstcard® Secured Credit Builder Card?
The Firstcard Secured Credit Builder Card is a secured credit card designed to help you safely establish or rebuild your credit history. Unlike many credit cards for bad credit, there’s no hard inquiry, no minimum balance, and no prior credit history required to apply. In fact, you don’t even need a Social Security number—immigrants and international students can apply with a passport and visa.
Payments are reported to Experian, TransUnion, and Equifax, so every on-time payment helps you build credit. On average, Firstcard users see their scores improve by 52 points in just three months.*
How Does Firstcard Work?
Like other secured credit cards, your spending limit is based on the amount you deposit. But Firstcard stands out because it combines credit-building with rewards and savings:
- 0% APR: You’ll never pay interest since you only spend what you deposit.
- Cashback rewards: With Firstcard Premium, earn 1% unlimited cashback on every purchase*.
- High-yield savings: Grow your money with up to 4% APY on deposits.
- FDIC protection: Your account is insured up to $250,000.
- Credit monitoring: Premium members also get a detailed monthly credit report.
Instant access to your virtual card in your phone’s digital wallet makes it easy to start using right away.
Who Should Apply for Firstcard?
If you’re asking, “Who should get a secured credit card?” or “What’s the best credit card for students with no credit?”—Firstcard may be the right fit. It’s especially useful if you are:
- A student wanting to build credit responsibly
- Someone with bad credit looking for a second chance
- An immigrant or international student without an SSN
- A first-time cardholder who wants rewards while building credit
Firstcard offers three membership levels—Standard ($6/month; $72 billed annually), Plus ($9/month; $108 billed annually), and Premium ($12/month; $144 billed annually)—so you can choose the plan that best matches your goals.
- Primary Benefit
- Build credit fast with 0% APR
- Cost
- See website for Details*
- Coverage
- Nationwide
Highlights
- Build credit faster with 0% APR!
- You’re pre-approved. No credit check or hard inquiry!
- Firstcard users see their credit scores increase 52+ points on average within 3 months*
- Report to all three credit bureaus: Experian, TransUnion, and Equifax
- Get an in-depth monthly credit report with Firstcard Premium
- Earn up to 4% APY on your deposit
Is Firstcard Worth It?
If you’ve been searching for the best secured credit card with cashback or a credit card that approves instantly with no credit check, Firstcard deserves a closer look. With transparent pricing, savings growth, and built-in credit monitoring, it’s more than just a secured card—it’s a complete financial tool.
For anyone ready to build credit fast and confidently, the Firstcard® Secured Credit Builder Card is a strong choice. Whether you’re starting fresh, rebuilding, or managing money as a student or newcomer, Firstcard gives you a safe and rewarding way to grow your credit and your savings at the same time.
*Disclosure; Rates and fees.
Editorial Disclaimer: Information in these articles is brought to you by CreditSoup. Banks, issuers, and credit card companies mentioned in the articles do not endorse or guarantee, and are not responsible for, the contents of the articles. The information is accurate to the best of our knowledge when posted; however, all credit card information is presented without warranty. Please check the issuer’s website for the most current information.