Terms checked 2026-10-26
The best first travel card in the game. Full transfer partner access for $95.
75,000 pts bonus (≈$1,538)AF: $95Rating: 9.0/10
Firstcard Secured Credit Builder Card
By Alex Compton · Last verified
A no-SSN credit builder for international students that is currently waitlist-only, not open to new applications.
★ 5.7/10FirstcardpersonalCash Back
DiscontinuedBest for: Nobody right now, applications are waitlist-only
Welcome Bonus
None recorded
Last recorded offer
Spend Requirement
None recorded
Last recorded requirement
Annual Fee
$48
Last recorded · 3% FTF
Credit Score
No
credit history required (no SSN needed)
Common Questions
Is the Firstcard Secured Credit Builder Card discontinued?
Yes. Not open to new applicants: Firstcard's card page offers only a Join Waitlist option, with no live application. A no-SSN credit builder for international students that is currently waitlist-only, not open to new applications.
What can I use instead of the Firstcard Secured Credit Builder Card?
The closest open alternatives we track are the Chase Sapphire Preferred, Discover it Cash Back, Capital One Quicksilver. Each links to our full review with its current offer and complete breakdown.
Open Alternatives
The Firstcard Secured Credit Builder Card is no longer open to new applicants. Compare these cards for a similar use.
Discover it Cash BackDiscover
Terms checked 2026-10-26
Cashback Match doubles everything you earn in year one.
Special bonusAF: $0Rating: 8.0/10
Capital One QuicksilverCapital One
Terms checked 2026-10-12
3% on gas and groceries, 1.5% on everything else, no fee. Now on the Discover network.
$200 bonus (≈$200)AF: $0Rating: 8.0/10
Historical Offers Chart
Dated offer history for this discontinued product.
No numeric welcome bonus recorded
This product has no points- or cash-denominated offer to plot. Dated no-offer observations, non-points benefits, corrections, and primary-source links remain preserved in the table below.
| Observed | Offer | Requirement | What changed | Evidence |
|---|---|---|---|---|
| 2026-10-12 | $0 | No recorded spend | Terms reconfirmedNot open to new applicants: Firstcard's card page offers only a Join Waitlist option, with no live application | Firstcard Secured Credit Builder Card page (waitlist) → |
| 2026-06 | $0 | No recorded spend | Earliest recordNo welcome offer | Archive record · no attached snapshot |
Primary-source verification log
Append-only evidence ledger- changed
Marked discontinued: the official card page offers only 'Join Waitlist' with no live application.
Fields: discontinued, tagline, cons, ourTake, bestFor, applyUrl
Firstcard Secured Credit Builder Card page (waitlist) →
Historical record · spot an outdated offer? Report a correction above.
Last Recorded Earning Rates
These terms are historical context and are not presented as current.
- 1xAll eligible purchases
- 1xSelect partner merchants earn up to 15%
Last Recorded Credits
No statement credits, this card wins on earn rates, not coupons.
Last Recorded Benefits
Confirm availability and enrollment requirements with the issuer.
- ✦Applies without an SSN: passport and visa documents work for international students
- ✦No credit check, no APR, and no late or penalty fees
- ✦Deposited funds earn 0.75% to 4.00% APY depending on plan tier
- ✦1% cash back on purchases plus up to 15% at partner merchants
- ✦Reports to all three credit bureaus, issued by Regent Bank
Why it earns its spot
- +Solves the no-SSN problem that blocks most international students
- +Cash back plus interest on the deposit is rare in this category
- +Reports to all three bureaus
Where it costs you
- −Not currently open to new applicants: Firstcard only offers a waitlist
- −Subscription pricing: roughly $48 to $120 a year depending on tier
- −The free job is being done elsewhere by Chime, Varo, and Zolve
- −ATM and foreign transaction fees apply on lower tiers
The Compound Verdict
Firstcard's card page now offers only a waitlist, so nobody new can apply today. When it was open, the pitch was clear: for a US citizen this is a paid version of things you can get free, but for an F-1 student with no SSN and no US file, Firstcard approved applicants nearly everyone else turned away and reported to all three bureaus. Until applications reopen, look at other no-SSN builder options instead.
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