firstcard.app Reviews 

52
TrustScore 3.5 out of 5

3.6

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Rated 5 out of 5 stars

I'm currently a student and I wanted to give a shoutout to Firstcard – it's been a total lifesaver for my budget. Right off the bat, the application process was smooth sailing. They gave me the g... See more

Rated 5 out of 5 stars

I'm not a student. Though I do very much love this product! It is way better than most standard secured cards (where the CLI is fixed by the deposit and it is a nightmare getting that changed). Firstc... See more

Rated 1 out of 5 stars

I’m very disappointed with how my Firstcard account was handled. I paid a monthly subscription to build my credit, and after three months my account was closed without any explanation. My credit s... See more

Company replied

Rated 5 out of 5 stars

I recently got my Firstcard Credit Builder Card and I've been really enjoying it! I have a bad habit of overspending so I love that I'm allowed to deposit money into the account and whatever is ther... See more

Company details

  1. Bank

Written by the company

Firstcard helps everyone build credit no matter who they are, where they are from, or their credit history. Firstcard primarily focuses on serving immigrants, non-US citizens, international students, first-generation college students, and underserved low-credit communities in the US who are often denied credit due to the limited access to credit-building tools provided by traditional banks. Members can build credit, open a credit card and a bank account, earn cashback, and grow savings — all within a single platform. Firstcard is on a mission to democratize credit for all.


Contact info

3.6

Average

TrustScore 3.5 out of 5

52 reviews

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No recent history of asking for reviews

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Replied to 33% of negative reviews

Typically replies within 1 month

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3.6

All reviews

(52)

15 reviews in the last 12 months

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Rated 1 out of 5 stars

Worst credit card/bank ever in the history of banks/credit cards

This this company needs to have a direct phone number to reach customer service because their customer service team does not respond to messages that you sent them. They do not help you none whatsoever they lack and communication with their customers because they don’t. Every day I have sent them a message trying to see if anyone can help me with the problem that I have with them and yet no one responds and then I called the number for them and they say write a message to them for a faster response, which is complete bullshit because they don’t reply back this is probably my worst banks that I have ever had in my life and I would not refer them to anybody.

June 21, 2025
Unprompted review
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Reply from firstcard.app

Hi Jimmie,

We’re truly sorry to hear about your experience and the frustration you've had trying to reach us. That’s not the experience we want for our customers, and we appreciate you bringing this to our attention.

I looked into your case and can confirm that we began processing your request two weeks ago. I apologize for the delay and any inconvenience this has caused. I've made sure that our team will prioritize your case, and we’d really appreciate the chance to make things right!

Thank you for being a Firstcard customer.

Best,
Emma from Firstcard

Rated 1 out of 5 stars

PLEASE DO NOT USE FIRSTCARD!!

DO YOURSELF A FAVOR AND DO NOT OPEN AN ACCOUNT WITH FIRSTCARD. They only look out for profit and don't care about their customers. It doesn't make sense to pay a monthly fee to use a "credit card," which is a debit card, since the available credit is the money you deposit. Fraud occurred on my account for a considerable amount, and I reported everything. First card kept me waiting for a long time while they conducted a "supposed investigation," and they never credited my account. They denied my claim, saying they found no fraud and didn't send me the documents used in the investigation showing that I was responsible for those charges. They decided to close my account and I have not received the funds I had in the account before it was closed. They don't answer any calls and take so long to answer emails. Firstcard is lying when it says this card has $0 liability Mastercard fraud coverage since I wasn't offered that coverage. I regret using this card and want to warn everyone about this crappy app.

May 2, 2025
Unprompted review
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Rated 2 out of 5 stars

Take sweeks

Great but process to get a card takes weeks so I'd recommend using another provider if you can!

Edit: their answer is not accurate

April 10, 2025
Unprompted review
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Reply from firstcard.app

Hi Vico,

Thank you for being a Firstcard customer. We want to let you know that you can start using your virtual card and making purchases right away by adding it to your phone’s digital wallet. No need to wait for a physical card.

And if you’d prefer a physical card sooner, we also offer an expedited delivery option during the sign-up process.

We appreciate you being part of our community and are always working to improve the experience!

Best,
Emma from the Firstcard Team

Rated 1 out of 5 stars

No communication

My account was suddenly suspended on September 24th without any notification. When I reached out, I received a vague response about "investigating" my account due to their security policy. It's now October 9th - 15 days later - and I've heard nothing despite multiple follow-up emails. No explanation, no timeline, no access to my account. Their customer service is non-existent and they've left me completely in the dark. Avoid this firstcard.app and their so called first credit card if you value transparency and actually being able to use your account. Very unprofessional handling of the situation.

September 24, 2024
Unprompted review
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Reply from firstcard.app

Hi Husnain,

Thank you for being a Firstcard customer and for sharing your valuable feedback. We sincerely apologize for the inconvenience and frustration caused by this experience.

At Firstcard, we take security very seriously and have rigorous compliance and security systems in place to protect our customers. In your case, our system detected potential issues with your account, which led to its auto-deactivation for security reasons. We understand how concerning and inconvenient this situation has been for you, and we are deeply sorry that we were unable to override our compliance and security protocols, as adhering to these measures is essential.

At the same time, we sincerely apologize for the delayed response. Security-related issues require thorough investigation to ensure a proper and accurate resolution. We truly appreciate your patience and understanding during this process.

We value our customer experience at Firstcard. Your feedback is very valuable, and we are working to improve our processes. If there’s anything further we can do to assist you, please don’t hesitate to reach out.

Thank you for your patience and understanding.

Best,
Emma from Firstcard

Rated 1 out of 5 stars

ZERO!

If I could give them zero I would. Their website was incapable to process the US address I gave them due to the address on my passport not being in the US (which makes sense since I’m not American …)

Anyway, their “support” was utterly useless. They said it was a glitch which they’d escalated, a week later I had to chase them, they then kept telling me to try again but their website still showed an error and eventually just said my country was not supported. I offered to send them my passport so that they could manually open the account. They ended up ignoring me.

October 8, 2024
Unprompted review
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Reply from firstcard.app

Hi Chris,

Thank you for sharing your feedback and for being a Firstcard customer. We’re truly sorry for the frustration caused by your experience and the delay in our support team’s response.

To clarify, we do accept non-U.S. passports and U.S. addresses, provided proof of address is available. For non-U.S. applicants, a manual review may sometimes be required to ensure security and proper verification.

We’d love the chance to make this right and assist you further. Please feel free to apply again or reach out to our support team directly—we’ll prioritize your case and ensure it’s resolved promptly.

Thank you for your patience and giving us the opportunity to improve.

Best,
Emma from the Firstcard Team

Rated 5 out of 5 stars

Great Features

This card is excellent for students! It has really helped me manage my budget and avoid overspending. The cashback feature is fantastic, allowing me to earn money back at the stores I frequently visit. I'm excited to continue building my credit with it.

August 27, 2024
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Rated 5 out of 5 stars

Great card for immigrants!

Firstcard's acceptance of immigrants and international students without an SSN was a huge plus for me when I moved to the US from Russia. The sign-up process was smooth and easy, and now I'm earning cashback on all my purchases while building credit. Couldn't be happiest

August 27, 2024
Rated 5 out of 5 stars

Firstcard has been a game-changer for…

Firstcard has been a game-changer for my finances as a college student. The cashback rewards are fantastic, and I love that there are no hidden fees. It's perfect for managing my spending and building credit without stress.

June 28, 2024
Unprompted review
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Rated 1 out of 5 stars

Currently waiting for more than 20mins…

Currently waiting for more than 20mins on the phone to get in touch!
Seriously?
Is this possible???
And this is not my first time calling you!

May 24, 2024
Unprompted review
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Reply from firstcard.app

Hi DM,

It looks like you may have meant to leave this review for a different company. We are a US company and our app isn’t available in Norway, so you wouldn’t be able to download or use it there. We know that there is a European company called First Card. We believe this is a review for that company.

We totally understand that mix-ups happen, but since this review doesn’t reflect our company, it’s affecting our rating unfairly. If you wouldn’t mind removing it, we’d really appreciate it—it would help ensure reviews accurately reflect the experiences of our actual users.

Best,
Firstcard Team

Rated 5 out of 5 stars

Best modern secured card

I'm not a student. Though I do very much love this product! It is way better than most standard secured cards (where the CLI is fixed by the deposit and it is a nightmare getting that changed). Firstcard takes the guesswork out of utilization as well (they always report a good one) and you can move money in and out. There's no FTF (foreign transaction fee) either and it has an annual fee of around 36$ but it is very much worth it. Way better than anything similar.

April 11, 2024
Unprompted review

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