# Firstcard: Cash Advance+Credit — Money App with Instant Cash > Secured credit builder card for immigrants, students, and first-time users. (iPhone/iPad app by Firstcard, Inc..) - Source: https://appshunter.io/ios/app/firstcard-cash-advance-plus-credit/id1547581130 (this page in markdown: same URL + `.md`) - Developer: [Firstcard, Inc.](https://appshunter.io/developer/1547581132) - Category: Finance - Price: Free - Rating: 4.40/5 from 382 App Store ratings · 68 written reviews indexed - Age rating: 4+ - Requires: iOS 16.4 · 45 MB - Languages: American English - Released: 2022-03-11 - Data updated: 2026-08-30 - Monetization: free with in-app purchases - User reviews in markdown: https://appshunter.io/ios/app/firstcard-cash-advance-plus-credit/id1547581130/reviews.md ## What is Firstcard? Firstcard helps you find the right money apps: cash advance, credit building, and starter credit cards. We show real numbers from the issuers' own published terms, verified by our team and stamped with a "facts checked" date. CASH ADVANCE, COMPARED HONESTLY Compare real advance limits ($25 to $750), monthly subscription costs ($0 to $15.99), express transfer fees, and direct deposit requirements side by side, before you download anything. No interest and no credit check to browse. Some apps deliver standard transfers free in 1 to 3 business days. Instant transfers usually carry a fee, and we show it. BUILD CREDIT YOUR WAY Find credit builder tools that report to the bureaus and starter credit cards, including secured and no-deposit options and cards that work without an SSN. GET MATCHED IN MINUTES Answer a few questions about your situation and see your matches. Browsing never affects your credit score. ABOUT FIRSTCARD Firstcard is a financial technology and product-matching platform, not a bank or a lender. We don't issue cash advances, loans, or cards ourselves. We help you compare third-party providers who set their own rates, terms, and approval decisions. Not everyone qualifies for every offer. Firstcard may receive compensation when you sign up with a partner, and compensation may influence which offers appear and how they are ordered. It never changes what a product costs you, and it never changes the verified facts we show. Always confirm details on the provider's site. Not all products are available in all states. ## Key features - Build credit score safely - No credit check required - Earn cashback on purchases - Earn competitive APY on savings - Accepts immigrants and non-US citizens - FDIC-insured deposits ## What do users think of Firstcard? Overall sentiment: negative **Pros** - 💳 Great for credit building - 💰 Helpful for budgeting and saving - 🤑 Decent cashback rewards - 👍 User-friendly app interface **Cons** - 🤖 Poor customer service and communication - 💰 High monthly fees - 🔒 Difficulty closing accounts - 🐛 Buggy and unreliable app - 💸 Questionable legitimacy and potential fraud **Commonly reported bugs** - Frequent app crashes and freezes - Issues with account access and fund transfers - Incompatibility with certain devices and services **Most requested features** - Improve account closure process - Enhance customer support channels - Provide more transparency on fees and policies ## Recent user reviews (10 of 68) All indexed reviews: https://appshunter.io/ios/app/firstcard-cash-advance-plus-credit/id1547581130/reviews.md ### 2/5 — High monthly fees, poor communication, fleecing of people attempting to build their credit *2026-02-24* This card is absolutely closing on February 25, 2026, by the company’s own decision. This was marketed as a credit-building tool, but in practice it felt like paying a monthly subscription to confusion. The structure is extremely hard to follow. It comes with a routing number and account number like a bank account, a card component that reports like credit, and the ability to move money in and out. You can add funds, withdraw funds, and still owe monthly fees. It’s never clearly explained how these pieces work together or how they meaningfully build credit. Managing it feels more complicated than it should be. The $12–$20 monthly fee is steep for something this unclear. The shutdown has also been handled poorly. There’s been no clear explanation for why the company decided to close, and the only notice was inside the app — no formal email or mailed communication. For a financial product, that lack of direct communication is concerning. I’m giving two stars instead of one only because they’re closing the accounts for customers. Otherwise, this would be one star. It might honestly be easier to close a Comcast account than to fully understand how this card works. Bottom line: The way this closure has been handled makes me question whether the app will still be downloadable and accepting new sign-ups on February 26, 2026. Womp womp. ### 1/5 — Questionable legitimacy *2026-01-28* What was the point of using this card to build credit? You took more money than you admitted to receiving, there was zero customer service. Was it all a hack to get people’s faces and personal information? I’m highly suspicious. Haven’t even had the account open for six months and the whole things going under? What a fraud. I’m pulling out of Credit Karma for recommending this card in the first place. ### 1/5 — Almost unbearable *2026-01-20, version 2.3.58* Too complicated, and too unreliable. It is guaranteed to crash or go “offline” every other time. How is Apple letting this level off buggy apps on the AppStore is beyond me. ### 1/5 — Almost unbearable *2025-11-25, version 2.3.55* Too complicated, and too unreliable. It is guaranteed to crash or go “offline” every other time. How is Apple letting this level off buggy apps on the AppStore is beyond me. ### 1/5 — Don’t install *2025-11-14, version 2.3.55* Makes you feel hope for finally getting a card, wasting time and making you put in all your info for nothing because at the end you have to pay ### 5/5 — Speechless *2025-11-08, version 2.3.55* Easy to used approve fast ### 5/5 — Excelente App *2025-10-21, version 2.3.53* Lo mejor ### 1/5 — Skip using *2025-10-21, version 2.3.53* Not great overall. App never functions properly ### 1/5 — bad experience *2025-10-09, version 2.3.53* I deposited money into my Firstcard secured card, but my account was suddenly closed without notice and my funds disappeared. The company does not reply to emails or refund requests. ### 1/5 — NO USES ESTO!!! *2025-09-30, version 2.3.53* Es un robo y es extremadamente frustrante, no tienen servicio al cliente, me bloquearon las tarjetas y no dan opción de mover mi dinero a otro banco! Básicamente mi dinero está estancado ahí sin poder usarlo y sin quien responda siquiera un correo diciendo que debo hacer! Horrible experiencia! ## Frequently asked questions about Firstcard ### What does the Firstcard app do? The Firstcard app helps individuals build their credit history and manage their finances. It offers a secured credit builder card, a bank account, and a savings account, all within a single platform. The goal is to provide access to credit-building tools for those who are often denied by traditional banks. ### What are the key features of Firstcard? Key features include building your credit score with every purchase, accepting applications without an SSN or credit check, earning cashback on qualifying purchases, and earning competitive Annual Percentage Yield (APY) on savings. Your deposits are also FDIC-insured. ### Is Firstcard free to use? The app itself is free to download and use. While there are no interest charges, overdraft fees, or late payment fees associated with the credit card, there are premium tiers that offer additional benefits like increased cashback and higher APY, which may involve associated costs or requirements. ### Who is eligible to use Firstcard? Firstcard is designed for a broad audience, including immigrants, international students, foreigners, non-US citizens, first-generation college students, and first-time credit builders in the US. You can apply with a passport and do not need an SSN or prior credit history to be considered. ### How does Firstcard help build credit? Firstcard reports your spending and payment activity to all three major credit bureaus (TransUnion, Equifax, and Experian). By using the secured credit card responsibly, you can establish a positive credit history, which helps to improve your credit score over time without the risk of overspending or incurring interest. ## Version history (last 5 releases) ### 3.0.0 — 2026-08-30 The Firstcard Credit Builder Card has been discontinued, and Firstcard is now a place to compare money apps. Compare cash advance apps, credit builder tools and starter credit cards in one place, with real numbers taken from each provider's own published terms and the date we last checked them. - Cash advance: advance limits, subscription costs, express transfer fees and direct deposit requirements, side by side - Credit building: tools that report to the bureaus, plus secured, no-deposit and no-SSN starter cards Firstcard is not a bank or a lender. Providers set their own rates, terms and approval decisions. ### 2.3.61 — 2026-02-06 At Firstcard, we’re constantly improving our app to give you a better experience. This release includes bug fixes and overall app improvements. Turn on automatic updates to always have the best and latest version. ### 2.3.60 — 2026-02-01 Fix bugs and improvements on home screen ### 2.3.59 — 2026-01-26 At Firstcard, we’re constantly improving our app to give you a better experience. This release includes bug fixes and overall app improvements. Turn on automatic updates to always have the best and latest version. ### 2.3.58 — 2025-12-31 At Firstcard, we’re constantly improving our app to give you a better experience. This release includes bug fixes and overall app improvements. Turn on automatic updates to always have the best and latest version. ## Apps similar to Firstcard | App | Rating | Price | Category | | --- | --- | --- | --- | | [Kikoff – Build Credit Quickly](https://appshunter.io/ios/app/kikoff-build-credit-quickly/id1525159784) | 4.9 (265,158) | Free | Finance | | [Grow Credit](https://appshunter.io/ios/app/grow-credit/id1482246872) | 4.8 (10,117) | Free | Finance | | [Experian®](https://appshunter.io/ios/app/experian/id1087101090) | 4.8 (2,695,303) | Free | Finance | | [Cleo AI: Cash Advance & Budget](https://appshunter.io/ios/app/cleo-ai-cash-advance-and-budget/id1447274646) | 4.7 (256,967) | Free | Finance | | [Aqua credit card](https://appshunter.io/ios/app/aqua-credit-card/id1059355733) | 4.7 (325) | Free | Finance | | [Intuit Credit Karma](https://appshunter.io/ios/app/intuit-credit-karma/id519817714) | 4.8 (7,711,052) | Free | Finance | ## More apps by Firstcard, Inc. - [Creditship: AI Credit Coach](https://appshunter.io/ios/app/creditship-ai-credit-coach/id6755405665) All apps by Firstcard, Inc.: https://appshunter.io/developer/1547581132 --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-30.*