Your first credit card, made for students – no history, no stress
Students have trusted 1st Financial Bank USA® ("1FBUSA") to start building their financial future
Offering credit cards to students and helping them establish a strong financial foundation
Why now? Why building credit now is one of the smartest financial moves you can make
You might not think you need credit right now. But the truth is, a good credit history can help you get that apartment you love, the job you want, or the car you need to get to class.
And here's the kicker: if you wait until you need credit to start building it, you could find yourself scrambling to catch up.
Save money—real money
A good credit history can lead to lower interest rates on loans and credit cards. A lower interest rate means that you're spending less on the money you borrow and have more left for the stuff that really matters to you.
Get approved when it counts
Whether it's your dream apartment, a new phone plan, or even your first mortgage it's common for the company to pull your credit report to assess how financially responsible you are. Start strong now, so you're better prepared for the future.
Even some employers check your credit
Like it or not, your credit report can affect whether you get hired. (Crazy, but true.)
You don't need to know everything about finance. You just need a card designed for students and a few minutes to apply and get a decision.
Start building your credit today – so future you has options, not obstacles
Choosing and using a credit card is up to you. No pressure. No commitments.
Just a smart way to start building your financial future as well as a convenient option for making purchases and a backup source of funds in case of emergencies.
Think of getting your first credit card as a springboard. If you start now to build and maintain a good credit history, here are some of the key benefits you're likely to enjoy:
• Better loan terms, rewards, and perks
• Lower interest rates
• Higher loan approval rates
• Increased credit limits
• Easier rental approvals
• Lower insurance premiums
• Lower deposits for utilities (water, electricity,cable)
• More job opportunities
Peace of mind, when you need it most
Unexpected bill? Out of gas? Out of food and payday's a week away? We've got you. Apply in just 5 minutes and if approved, you'll be on your way to learning that a credit card can be a lifesaver in the case of an emergency.
Tap, track & thrive (securely)
EMV chip card payments, real-time fraud detection, and 24/7 app tracking can help keep your credit card secure and help prevent fraud.
Turn everyday taps into future freedom
Use your card for everyday purchases, make timely payments every month, stay under your credit limit, and build the credit history that can help unlock life's big steps – your first apartment, a car loan, even a job.
Don't just take our word for it
Hear from some of our amazing students who are building their credit with 1st Financial Bank USA.
"My debit card isn't always with me so it's nice to have my credit card. Also when I'm out of funds and I haven't gotten paid yet, it's helpful."
"I had to pay for food and forgot all my cash and I had deposited all of my money out and all I had was a credit card. And it really helped me then."
Start building your credit today – so future you has options, not obstacles
Join the 1.9 million+ students who've trusted 1FBUSA to help them establish a strong financial foundation. Apply now and get an instant decision.
Application takes less than 5 minutes