- 1.5% cash back when you make a payment
- Accessible to fair credit
- Hybrid card and installment-loan structure
Firstcard Secured
MastercardFirstcard・Mastercard・No.042
A credit-building card you can open with just a passport, an option for students in their first week in the U.S.
✓ Annual fee, APR and foreign-transaction fee verified against the issuer on 2026-07-16. Welcome offers change often. Always confirm the current offer on the issuer's site.
Reward highlights
- Apply with a passport, no SSN
- No credit history needed for students
- Reports to bureaus to build score
Who it's for
Best for students & newcomers with no SSN who need a first card fast.
Good for
Key benefits
- Apply with a passport, no SSN required
- No credit history needed, students welcome
- Reports to the major credit bureaus to build your score
- No annual fee
Rates & fees
APR and fees are illustrative. Confirm current terms on the issuer's site.
Frequently asked questions
Does the Firstcard Secured card have an annual fee?
No, it has no annual fee.
Do I need an SSN or credit history?
No, you can apply with just a passport and no prior U.S. credit history.
Who is this card best for?
Best for students and newcomers without an SSN who need a first credit-building card quickly.
⚠️ Disclaimer: This site is a product concept. All card data, bonuses and figures are illustrative, may be out of date, and are not financial advice. Always verify with the issuer before applying.