Build credit today for travel tomorrow
Start building your credit score with the Student Credit Card from 1st Financial Bank USA® ("1FBUSA")
Students have trusted 1st Financial Bank USA to start building their financial future
Offering credit cards to students and helping them establish a strong financial foundation
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, your dream car, or a ticket for an exciting international adventure.
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 can mean 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.
Travel with ease
Having a credit card can make international travel easier (when you're ready for it) since Visa credit cards are accepted worldwide. Plus, the 1FBUSA credit card doesn't charge extra fees when you buy things abroad.
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
Join the 1.9 million+ students who've trusted 1FBUSA to help them establish a strong financial foundation
Worried you won't be approved? You're not alone.
If you only have a bank account and no credit history, it's natural to be concerned about applying for your first credit card.
But here's some reassurance.
First, you don't need a credit score or a credit history to get started.
Second, you may qualify if:
• You're 18 or older and college-bound or attending college
• You are able to make the required minimum monthly payments (which we are required by law to determine)
Plus, applying takes less than 5 minutes, so it's not a huge commitment.
When you apply, we'll do a quick check to see if you have any credit history (it's OK if you don't).
This check might slightly affect your credit score for a short time, but don't worry...getting approved and using your card responsibly (by making timely payments and staying under your credit limit) is the best way to start building a good credit score.
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 the trip abroad you'll never forget.
What students are saying
Real stories from real students who are building their financial future with confidence
"It helped me when i ran out of money and needed some to buy my groceries if it wasnt because of my card i wouldve had to wait and not eat for the evening"
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