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Firstcard® Secured Credit Builder Card with Cashback review: Accessible entry into credit-building for students

 /  10 min
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Snapshot

3.0

Bankrate rating
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Rating: 3 stars out of 5

Bottom line

Combining the best attributes of a pre-paid card and secured card, the Firstcard® Secured Credit Builder Card with Cashback is a good credit-building option for more than just students.

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See Rates & Fees

Intro offer

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Rewards Rate

1% - Up to 15%

Annual fee

N/A

Regular APR

0% APR

3.0

Bankrate score

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Firstcard® Secured Credit Builder Card with Cashback overview

  • Credit Card With Dollar Sign Icon

    Rewards

  • Credit Card Search Icon

    Rates and fees

  • Credit Fair Icon

    Credit-building features

  • Congrats Icon

    Other cardholder perks

Firstcard® Secured Credit Builder Card with Cashback pros and cons

Pros

  • Checkmark Icon

    There’s no credit check to get approved and a Social Security number isn’t required, allowing nearly everyone the opportunity to build credit.

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    There’s no minimum deposit required and minimal fees associated with the card.

  • Checkmark Icon

    Partner offers can provide solid cash back earning opportunities.

Cons

  • There are no ongoing rewards associated with the card unless you subscribe to firstcard+.

  • Not reporting credit utilization can slow credit-building efforts.

  • The card lacks some of the most basic perks found on most cards.

How the Firstcard® Secured Credit Builder Card works

Why you might want the Firstcard® Secured Credit Builder Card with Cashback

Why you might want a different credit-building card

How the Firstcard® Secured Credit Builder Card with Cashback compares to other credit-building cards

Image of Firstcard® Secured Credit Builder Card with Cashback

Annual fee

N/A

Intro offer

N/A

Rewards rate

1% - Up to 15%
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Recommended Credit Score

N/A
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Image of Discover it® Secured Credit Card

Annual fee

$0

Intro offer

Cashback Match™
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Rewards rate

1% - 2%
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Recommended Credit Score

No Credit History
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Image of SuperCash™ Card

Annual fee

N/A

Intro offer

N/A

Rewards rate

2% - 10%
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Recommended Credit Score

No Credit History
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Who is the Firstcard® Secured Credit Builder Card with Cashback right for?

Bankrate’s Take — Is the Firstcard® Secured Credit Builder Card with Cashback worth it?

How we rated this card

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50+
cards rated
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500+
fees tracked
Debt Icon
250+
fees tracked
Credit Card With Star Icon
40+
perks evaluated

Frequently asked questions

Written by
Ryan Flanigan, CCC
Writer, Credit cards
Ryan Flanigan is a Bankrate credit cards writer with more than 10 years of experience using credit cards to help people reach their travel goals.
Edited by Editor, Credit cards

* See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer.

Editorial Disclosure: Opinions expressed here are the author's alone, and have not been reviewed or approved by any advertiser. The information, including card rates and fees, is accurate as of the publish date. All products or services are presented without warranty. Check the bank’s website for the most current information.