Your first credit card made for students – no history, no stress
For 25+ years, we've helped millions of students succeed with CollegeData. Now, we're helping you build the credit you need for your future.
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Build credit
1st Financial Bank USA has been helping students find, apply, and pay for college across the country for over 25 years. Now we are helping them succeed financially with their first credit card, when used responsibly.
Trusted by 1.9M+ Students
Students have trusted 1st Financial Bank USA® ("1FBUSA") to start building their financial future.
35+ Years of Excellence
Offering credit cards to students and helping them establish a strong financial foundation.
25+
YEARS OF COLLEGEDATA
1st Financial Bank USA has been the proud sponsor of CollegeData, a free online college advisory service, for more than 25 years. During this time, over an average of 2 million students, parents, and counselors have visited CollegeData each year. CollegeData offers tools and resources to help high school students choose, prepare, apply, and pay for college and navigate their college years and beyond.
Don't just take our word for it
Hear from some of our amazing students who are building their financial future with us.
"It helps me be able to pay for things when I need them and go back later when it's more convenient to actually pay it back. It helps me pay for gas when needed."
Genesis G.
Tennessee
"My credit card has helped me in an unexpected situation when I thought I had brought cash with me to pay for something, but realized I left it at home, so I used the credit card to help pay."
Emily G.
California
"It helps with extra expenses when I don’t have enough money. Yes. I didn’t have enough to eat out with friends but with my new card I didn’t have to worry about being left out."
King H.
Georgia
Expert financial literacy for college students
We provide the resources you need to manage your money, learn the ropes of credit, and make informed financial decisions.
Are You Credit Invisible? Here's What You Need to Know
Learn what it means to be credit invisible and how building credit in college sets you up for long-term success.
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6 Reasons to Have a Credit Card in College
From handling emergencies to building a safety net, see why a student credit card is a smart financial tool.
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How to Save Money in College - 10 Tips
Practical advice from real college students on how to stretch your dollar further while on campus.
Read Article →Why Students Trust 1st Financial Bank USA
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.
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.)
Planning for college? We support that, too.
1st Financial Bank USA has invested millions of dollars in CollegeData for over 25 years, helping students make one of the most important decisions of their life, where to go to college.
1st Financial Bank USA Goals Scholarship
1st Financial Bank USA wants to celebrate those who recognize the importance of pursuing educational and financial goals with the 1st Financial Bank USA Goals Scholarship.