Your cookie choices

We use necessary cookies to make this site work. With your permission, analytics cookies help us understand usage and marketing cookies support advertising.

You can reject non-essential cookies and still use the site. Change your choices anytime in Cookie settings.

Cookie settingsCookie policy

Firstcard review

Updated September 30, 2026 · SumCue Editorial Team · Facts checked September 30, 2026

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.

Our verdict

Firstcard suits households rebuilding credit who still want cashback on everyday spend, with annual fee of $0 and APR of 0% keeping fixed costs restrained while rewards of 1% unlimited, up to 15% at partners add value for your daily budget planning needs currently.

Key facts

Best for
Secured cashback card for rebuilding credit with low fixed costs
Annual fee
$0↗
APR
0%↗
Rewards type
Cashback↗
Rewards rate
1% unlimited, up to 15% at partners↗
Credit needed
Poor↗
Cashback rate
1%↗
Card kind
Credit↗
Legal entity
Firstcard, Inc.↗
Headquarters
United States↗
Founded
2020↗
Support channels
Email, Help-centre↗
Pricing model
No annual fee
Features
Secured, Rewards
Official website
firstcard.app

Facts checked September 30, 2026, 7 sources

Apps and profiles

Get the app
Google Play
Elsewhere
LinkedInXfacebook.com

Pros and cons

Pros

  • Annual fee of $0 keeps fixed costs down versus many credit cards
  • APR of 0% supports paying in full without revolving interest
  • Cashback type cashback at 1% unlimited, up to 15% at partners adds value to routine spend
  • Accessible positioning for poor credit profiles helps builders unlike premium unsecured cards

Cons

  • Support runs on email and help centre only, which limits choice for households seeking phone or chat help
  • Secured structure implied by secured and rewards requires an upfront deposit, unlike unsecured cards such as Bitpanda Card
  • Cashback type cashback centres on partner earn at 1% unlimited, up to 15% at partners, which may feel narrow for households seeking broader perks

Ready to try Firstcard?

Scored 8.7 / 10 by SumCue.

See alternatives

Who it suits

  • Households rebuilding credit who want cashback rather than Bitpanda Card spend features
  • Budget planners seeking stated low charges rather than AXI Card Tarjeta y Credito local servicing

Who should look elsewhere

  • Households seeking phone based service may prefer Bitpanda Card over support limited to email and help centre
  • Households seeking unsecured limits may prefer AXI Card Tarjeta y Credito over a secured model tied to secured and rewards

Rewards and perks

Firstcard centres on cashback type cashback for households who want tangible value from routine purchases while rebuilding credit. The headline earn is described as rewards of 1% unlimited, up to 15% at partners, which combines steady earn on everyday spend with enhanced earn across selected partners. That shape allows households to cover groceries, fuel, subscriptions and household essentials and still collect value without tracking complex categories or rotating calendars. Partner earn rewards planned shopping, while base earn keeps smaller daily transactions worthwhile. Cashback suits households who prefer statement value that is easy to understand over points systems that require conversion charts or travel portals. For budget focused users, the appeal lies in clarity. Spend earns, partners pay higher, and the balance can support repayment discipline. The card therefore fits as a rebuilding tool that still respects everyday budgets, giving households a reason to use the line responsibly, pay in full, and let consistent activity support stronger credit habits across months of careful use and review.

Fees and currency costs

Cost control is central to the pitch, starting with annual fee of $0 for the secured account. That fee position removes a recurring ownership charge and helps households forecast budgets without adjusting for yearly card costs. Day to day borrowing is framed by APR of 0%, which positions the card around full repayment and careful limit management rather than extended revolving balances. Households who pay statements in full can focus on deposit planning, timely payments and utilisation, while avoiding interest accumulation that often undermines rebuilding efforts. The combination of low fixed charges and a clearly stated rate structure supports comparison against cards that pair yearly fees with higher variable rates. There are no currency conversion details in the supplied facts, so households planning frequent cross border spend should check current scheme terms before travel. Viewed purely on stated ownership costs, the structure favours disciplined users who value predictability, transparent balances and steady progress over premium perks funded by higher charges across the account year and beyond.

Where it sits among rivals

Among ranked cards, Firstcard holds annual fee position of 1 across 292 brands, which places its stated fee at the favourable end of the comparison set. That placement reflects the free ownership charge and supports households who filter primarily on fixed costs before weighing rewards or limits. On borrowing cost, it holds APR position of 1 across 140 brands, again placing its stated rate at the favourable end of the measured group. Taken together, the pair of placements explains strong attention from cost conscious shoppers, particularly those rebuilding records who want to limit charges while establishing consistent repayment history. Rankings describe relative placement on stated figures, not approval odds, limits, deposits or service quality. Households should still weigh secured deposit needs, support channels, eligibility and rewards fit alongside placement. Yet for readers who start with fees and rates, the relative standing signals why the card appears in shortlists focused on low charge rebuilding options within broad card comparisons.

Who runs it

Firstcard is operated under Firstcard, Inc., providing a clear corporate identity for account terms, privacy notices and customer communications. Its home base is in the United States, so products, disclosures and servicing reflect US market practice, which matters for households comparing European and UK cards alongside American secured options. The business was founded in 2020, placing it among newer digital card providers that emphasise mobile management, simple pricing and credit access for underserved profiles. Support is provided through email and help centre, covering email assistance alongside self serve help centre guides for common queries on payments, deposits, statements and account access. That setup suits confident online users who prefer written records and searchable answers over branch visits. Households who value phone help should factor service preference into the choice. Overall, the corporate profile presents a focused US based card venture with lean support and a rebuilding mandate.

How Firstcard compares

Where Firstcard is available

Available
United States

Countries from the brand (Source, checked September 30, 2026)

Frequently asked questions

What does Firstcard cost each year to hold?+

Firstcard charges annual fee of $0. The structure aims to keep fixed ownership costs predictable for households rebuilding credit, while everyday use still earns cashback described in the rewards terms.

What APR applies to Firstcard balances?+

Firstcard lists APR of 0%. That rate structure means the card is framed around paying balances in full and avoiding revolving interest, which suits disciplined budgeting rather than carrying debt across months.

How do Firstcard rewards work for everyday spend?+

Firstcard offers cashback type cashback at 1% unlimited, up to 15% at partners. Everyday spend earns at the base rate, while selected partners pay higher rates, so households can plan routine purchases around eligible merchants.

Who can apply for Firstcard with limited credit history?+

Firstcard is described by secured and rewards and by credit need of poor. It is positioned for households with limited records who can provide a deposit to open the line and then build history through steady repayment.

Which company operates Firstcard and where is it based?+

Firstcard operates under Firstcard, Inc. with home base in US and founding in 2020. Households should review current card terms directly, as protections and servicing arrangements follow US market practice.

How can cardholders get help with Firstcard?+

Firstcard provides support through email and help centre. Households can seek help by email or through self serve guides, which suits confident online users although alternatives such as Bitpanda offer different service models.

Is Firstcard a secured or unsecured credit card?+

Firstcard is classed as credit with model no annual fee. It works as a secured line where the deposit shapes the limit, so households seeking an unsecured limit or business features may prefer alternatives such as AXI Card Tarjeta y Credito.

Sources

  • firstcard.app checked September 30, 2026

    Backs: Headquarters

    “Firstcard | 101 Jefferson Drive 1st Floor, Menlo Park, California, 94025”

  • firstcard.app/about-us checked September 30, 2026

    Backs: Founded

    “Firstcard was founded in 2020 by immigrant entrepreneur Kenji Niwa”

  • firstcard.app/credit-card checked September 30, 2026

    Backs: Cashback rate, Rewards type

    “Get 1% unlimited Cashback with Firstcard Premium”

  • firstcard.app/credit-card/no-apr checked September 30, 2026

    Backs: APR

    “With Firstcard's no APR credit card, we keep you APR at 0% forever”

  • firstcard.app/credit-card/secured-credit-card checked September 30, 2026

    Backs: Annual fee, Card kind, Credit needed, Features, Pricing model, Rewards rate

    “no annual fees were what drew me to Firstcard”

  • firstcard.app/help-center checked September 30, 2026

    Backs: Support channels

    “Our support team is here to help - Contact Support”

  • firstcard.app/privacy-policy checked September 30, 2026

    Backs: Legal entity

    “privacy practices of Firstcard, Inc. and our affiliates”

Compiled from 7 source pages, checked September 30, 2026. We did not open an account.

Not confirmed yet: Currency conversion fee.

Firstcard

Secured cashback card for rebuilding credit with low fixed costs

8.7/10See alternatives