Start building your financial future today

1FBUSA is proud to specialize in providing quality credit card and financial services to college students and college graduates nationwide.

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Connecting Students to Adulthood

Empowering the next generation with smart financial tools

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Campus Life

Make everyday purchases with confidence

Online Shopping

Secure transactions for all your needs

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Future Ready

Building credit for life's big moments

Uncover the Benefits

Discover why our credit card is perfect for your student lifestyle

Payment Flexibility

Each month you can pay off your balance in full, the minimum payment due, or any amount in between - you choose.

Easy Account Tracking

Make payments and monitor spending from your phone with our mobile app.

Zero Liability

Your card protects you with zero liability for unauthorized use - if you didn't buy it, you don't pay for it.

Security & Convenience

Use your card at millions of participating merchants worldwide for books, food, gas, clothing, tickets, and more.

Cash Access

Need emergency cash? Use your card at designated ATMs or present it to any bank displaying the Visa sign.

Credit Building

Start growing your credit score so you're prepared when it's time to rent an apartment or buy your own car.

You're Invited!

Click below to apply for your 1st Financial Bank USA credit card

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Take your credit card wherever you travel

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Learn about student credit cards

Read up on personal finance and getting your first credit card on the 1st Financial Bank USA Blog

8 real-life Financial Mistakes to Avoid in College

How to Save $20K in a Year

What You Need to Know About Sinking Funds

1FBUSA Reviews

"[The 1FBUSA credit card] helps me understand how much I am spending in one month, and helps me build credit."

Reagan B.

New York

"I didn't have enough to eat out with friends but with my new [1FBUSA] card I didn't have to worry about being left out."

King H.

Georgia

"Having a [1FBUSA] credit card helps me manage college costs by allowing me to cover expenses when I don't have cash."

Emily G.

California

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1st Financial Bank USA does not provide, endorse, or guarantee any third-party product, service, information or recommendation listed above, on official social media channels, or elsewhere. The third parties listed are solely responsible for their products and services, and all trademarks listed are the property of their respective owners.