Rated 4/5.0 stars by our editorial team
Click the stars to submit your rating.
Rating already submitted!
Thanks for rating!
4/5.0 from 0 Offer Ratings
Over the Past 60 Days!
Firstcard® Secured Credit Builder Card with Cashback
Firstcard® Secured Credit Builder Card with Cashback Review
The Firstcard® Secured Credit Builder Card with Cashback stands out among secured credit cards by offering cashback rewards on purchases, providing an added incentive for users. This feature, coupled with its primary function of helping individuals build or rebuild their credit, positions it as a unique option in the secured card market.
Our editors rate credit cards objectively based on the features the credit card offers consumers, the fees and interest rates, and how a credit card compares with other cards in its category. The ratings are the expert opinion of our editors, and not influenced by any remuneration this site receives from card issuers.
This site is compensated by companies whose listings appear on this site. This compensation may impact how and where listings appear (such as the order or which listings are featured). This site does not include all companies or products available.
Firstcard® Secured Credit Builder Card with Cashback
SIGN-UP BONUS
None
REWARDS RATE
Get up to 15% Merchant Cashback at 29,000 partner merchants. Get up to 10% Random Cashback on all qualifying purchases. Earn an additional 1% Unlimited Cashback with Firstcard Premium on all qualifying transactions on top of the two cashback offerings.
Rates & Fees
0% APR on purchases and no late fees or overdraft fees
Build Credit & Savings
When you use your Firstcard for purchases and make timely payments, this responsible repayment behavior is reported to major credit bureaus and can have a positive impact on your credit score over time. Additionally, earn 4.00% APY with Firstcard Premium, 2.00% APY with Firstcard+, or 0.75% APY with Firstcard Standard on the money in your Firstcard
Rewards
Get up to 15% Merchant Cashback at 29,000 partner merchants. Get up to 10% Random Cashback on all qualifying purchases. Earn an additional 1% Unlimited Cashback with Firstcard Premium on all qualifying transactions on top of the two cashback offerings.
Annual Fee
From $4.99/month
Card Brand
Mastercard®
Recommended Credit Score
LimitedHighlights
- Build credit faster, cheaper, and safer
- No credit checks and no credit history are required to open a credit card
- Accepts immigrants and internationals without an SSN - apply with a passport and visa.
- 0% APR. Don’t worry about overspending. What you deposit is what you can spend.
- No account minimum, no interest, and no overdraft fee
- Get up to 15% Merchant Cashback at 29,000 partner merchants
- Get up to 10% Random Cashback on all qualifying transactions
- Earn 4.00% APY with Firstcard Premium, 2.00% APY with Firstcard+, or 0.75% APY with Firstcard Standard on the money in your Firstcard
- Earn an additional 1% Unlimited Cashback with Firstcard Premium on all qualifying transactions on top of the two cashback offerings (Merchant Cashback and Random Cashback)
- Monitor your credit score right in the app
- Get an in-depth monthly credit report with Firstcard+ and Firstcard Premium
- Instant access to your virtual card once your account is approved and you add your virtual card to your phone’s digital wallet
- Your money is protected with Firstcard — automatically insured up to $250,000 by FDIC (backed by the U.S. government)
- Disclosures
Additional Info
Foreign Transaction Fee
$0 (with Firstcard Premium)
Balance Transfer Fee
N/A
Expert Review
Editor's Overall Rating
Our editors rate credit cards objectively based on the features the credit card offers consumers, the fees and interest rates, and how a credit card compares with other cards in its category. The ratings are the expert opinion of our editors, and not influenced by any remuneration this site receives from card issuers.
From the LendingTree editorial team, updated on Dec 12, 2024
We don't have a review for this card yet, but sit tight! There's one coming soon.
The Good
- The Firstcard® Secured Credit Builder Card with Cashback distinguishes itself with its cashback rewards feature, offering financial incentives on purchases, which is a notable benefit for a secured card aimed at building or rebuilding credit.
The Not So Good
- While the cashback rewards add value, the Firstcard® Secured Credit Builder Card with Cashback might come with higher than average fees for certain transactions, which could erode the overall benefits for users who are particularly fee-sensitive.
The Bottom Line
The Firstcard® Secured Credit Builder Card with Cashback stands out among secured credit cards by offering cashback rewards on purchases, providing an added incentive for users. This feature, coupled with its primary function of helping individuals build or rebuild their credit, positions it as a unique option in the secured card market.
Editorial Note: This content is not provided by Firstcard. Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by Firstcard.
Related Card Offers
Apply Now
on Capital One's secure site
Rewards Rate
1.5% Cash Back on every purchase, every day; 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply)
No Rotating Categories
No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
APR
19.24% - 29.24% (Variable)
See Our Review
Apply Now
on Discover's secure site
Intro Purchase APR
0% Intro APR for 6 months on purchases
Rewards Rate
Earn 5% cash back at different places each quarter up to the quarterly maximum when you activate. 1% unlimited cash back on all other purchases - automatically.
Ongoing APR
17.24% - 26.24% Variable APR
See Our Review
Apply Now
on Citibank's secure site
Purchase & BT APRs
18.74% - 28.74% (Variable) on Purchases and Balance Transfers
Rewards Rate
Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X Points on All Other Purchases. Earn 5X total ThankYou® Points on hotels, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/2025.
Sign Up Bonus
Earn 5,000 bonus points after spending $500 in the first 3 months of account opening, redeemable for $50 in gift cards or travel rewards at thankyou.com
See Our Review