Firstcard: Credit Builder Card Reviews

Firstcard Reviews

Published by on 2026-02-06

🏷️ About: Firstcard® Secured Credit Builder Card helps everyone build credit no matter who they are, where they are from, or their credit history. Firstcard primarily focuses on serving immigrants, foreigners, non-US citizens, international students, first-generation college students, and first-time credit builders in the US who are often denied credit due to the limited access to credit-building tools provided by traditional banks.


       


Is Firstcard Safe to Use?

We Investigate the app owner's website (Firstcard.app), verify their legitimacy, and uncover hidden scams and complaints.


Overall Customer Experience 😎


🤬 Negative experience
66.6%

😎 Positive experience
33.4%

🫥 Neutral
0.0%

~ from Justuseapp.com NLP analysis of 383 combined software reviews.

Is Firstcard Safe?
Firstcard: Credit Builder Card appears generally safe, but use with caution.
33.4/100

  Safety Analysis »»

Is Firstcard Legit?
Firstcard: Credit Builder Card appears legitimate, though exercise caution.
33.4/100



Read 20 Customer Service Reviews 😠💢

4.4 out of 5
Impossible to close account + subscription

Firstcard suddenly went from free to requiring a monthly subscription, thus I wanted to close my account. I am not going to pay monthly for what is essentially a debit card with extra hassle. In the time before the subscription was to take effect, I had numerous issues trying to close my account. I even contacted customer support and they we not helpful at all, telling me to do things I had already tried. I finally had a balance of $0 after waiting ages for the automatic payment to process, then I earned $0.01 of interest and couldn’t close my account because of it!!!! To get rid of this one cent I had to transfer in more money from my bank account so that I could transfer it all out. But then some of that money disappeared when I got charged the subscription fee since I have been unsuccessful in closing my account!!

Seems like this company is making it as hard to close one’s account as possible so that they can rip people off by charging their subscription fee. Definitely would not recommend this “credit card”.

Processing Time

This card was very appealing at first and I went through the effort of putting my information in to get started. I get a message that my info is processing and that it usually takes one minute for most users. I’ve been staring at the screen for more than 20 minutes and it still says the same message. Checked my wifi, restarted Firstcard , same thing. Instant turn-off.

RUN THE OTHER WAY

This is by far the worst experience with any financial institution/account. “Customer Service” Does not care about you or if you can access your money. Blocks transactions and declines transfers out repeatedly. Only option for a physical card is to pay for one that takes forever to ship.

No help

I asked if there is a way to activate my card , and I get no response they usually take 1-2 days to respond but it’s been almost a week. When I try to activate my card I get a error message. I’m unable to unlink my account (which I no longer have access to) and they can’t help me at all. I have money stuck on my account and I can’t even get it off. Support is not even trying to help me.

Hard to contact support

I can’t say whether I like this card yet or not. I received my physical card, but can’t get it to activate and I can not get a hold of anyone with support.

Simply the Best!

The best credit card experience!
The credit building benefits and support provided by this app are fantastic for international students. Would highly recommend this app to any international student looking for the best card to start building credit in the US. Being able to earn up to 10% random cashback on every purchase is also a fun way that helps me save.

Loving My FirstCard Experience

Just started with this app and I’m already impressed. Firstcard is super straightforward, making it a breeze to navigate through everything I need.

The cashback on purchases is a highlight for me. It’s great to see those rewards add up just from buying my usual stuff.

Plus, the financial education part is a game changer. It’s not just about tracking your money, but really understanding how to make it work for you, which I love.

No complaints so far. The mix of cashback and smart finance tips has been nothing but beneficial.

Overall, my journey with this app has been top-notch. It’s simple, enlightening, and full of perks. Perfect for anyone wanting to step up their finance game.

Credit game changer

I’ve been using this app for the past few months now and my credit score has jumped 30+ points. I really like how easy it is to use Firstcard and how fast my credit score went up! The autopay feature really gives me a peace of mind. Also absolutely love the high APY and cashback that they are giving. Really awesome app!!

Super cool concept for college students!

College students spend a ton of time around their campuses making everyday purchases like lunches and snacks. this app’s high cash back program is an awesome way for college students to get money back without even trying. Firstcard design is super user friendly as well.

Great app and service for college students

This is a great service for college students that are trying to build credit. I am impressed by the modern app interface, layout and accessibility to create an account. I recommend using this to track spending.

Must have, revolutionary and easy!!

First Card has revolutionized the way I manage my finances. From the moment I signed up, I was impressed by its user-friendly interface and seamless integration. Whether I'm tracking expenses or making purchases, everything is just a few taps away, saving me time and hassle. What sets First Card apart is its commitment to security. With advanced security features, I feel confident in every transaction, knowing my information is protected. Additionally, their customer service team has been incredibly helpful whenever I've had questions or concerns. Overall, First Card offers a top-notch banking experience that's convenient, secure, and reliable. I highly recommend it to anyone looking for a modern payment solution!!

Credit score jumped

My credit score has jumped from 549 to 610 since starting with this app just two months ago! This is my first experience with a credit product, and I’m incredibly grateful to this app for helping me to build a credit score.

Great App

As an international student, building a credit score in a new country can be quite daunting. this app has been a game-changer for me in this aspect! Firstcard is user-friendly, and their features are tailored to cater to individuals like me who are just starting their credit journey abroad. I've found it immensely helpful in understanding and improving my credit score. Kudos to the this app team for creating such a fantastic tool. Highly recommend it to fellow international students!

Absolutely heaven sent Credit Builder Card.

This credit builder takes effect on your credit in what feels like instantly. They report in absolute detail in regards of your current status of your account with them. I’ve seen improvement to my credit in only a short time when I initially opened my account with them. If you’re looking to improve your credit, trust me this Credit Builder card is definitely worthy.

Worth checking out!

Great UX from what I’ve seen of Firstcard . Would recommend downloading if you’re looking for a new card.

A complete game changer

this app has the best cashback rewards and has helped me to boost my credit score in a short amount of time. I love it!

Really helps me not overspend

I recently opened a credit card with this app and I love it! I appreciate the fact that I can deposit money into my account and that’s all I can spend. This feature is really helpful because it allows me to not overspend and be more frugal about what I’m spending every month.

The nice layout of Firstcard is another benefit because it’s really easy to navigate it and it’s nice on the eye. Overall I really have been enjoying my this app and have been recommending it to friends.

Best card for college students

One of the best cards for college students, Firstcard is also very easy to use

Great Customer Support

I had an issue and they fixed it in 2 days, + they gave me a free month

Best app for credit building!

this app helped me rebuild my credit score. My credit score was affected due to my careless spending behavior. But with Firstcard, I was able to not overspend and build my credit score confidently. My credit increased 50+ points in a month! Give it try!!!



Is Firstcard Safe? 🙏

Firstcard: Credit Builder Card appears generally safe, but use with caution. JustUseApp Safety Score for Firstcard is 33.4/100.
This assessment is based on our NLP analysis of 383 user reviews. Combined with the app store average rating of 4.4/5.

Safety Analysis

79% of users say app is safe 👍
79%

16.8% of users say app is risky 🚨
16.8%

4.2% of users have some concerns ⚠️
4.2%


Is Firstcard Legit? 💯

Firstcard: Credit Builder Card appears legitimate, though exercise caution. Our NLP models processed user feedback to estimate legitimacy. JustUseApp Legitimacy Score for Firstcard is 33.4/100 .
This conclusion is based on analysis of 383 user reviews.

🔏 Privacy & Data Safety

Firstcard collected the following data from you:

  • Data Linked to You:
    • Purchases
    • Financial Info
    • Contact Info
    • User Content
    • Search History
    • Identifiers
    • Usage Data
    • Diagnostics
  • Data Not Linked to You:
    • Location
    • Identifiers
    • Diagnostics



How was your experience with Firstcard: Credit Builder Card? Post a Review




Features

Members can build credit, open a credit card and a bank account, earn cash back, and grow savings — all within a single platform.

Firstcard primarily focuses on serving immigrants, foreigners, non-US citizens, international students, first-generation college students, and first-time credit builders in the US who are often denied credit due to the limited access to credit-building tools provided by traditional banks.

³Firstcard+ customers will earn an additional 1% unlimited cashback on all eligible credit card purchases.

The Firstcard credit cards are issued by Regent Bank, pursuant to a license from Mastercard® International Inc.

- The Firstcard credit card is issued pursuant to a license from Mastercard® International Inc.

  Contact Support
Developer:
Firstcard, Inc.

Contact e-Mail:

Website: