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title: 1st Financial Bank USA | Apply Now
---

# Start Right With Your First Credit Card

Because it's never too early to start building a credit history.

[APPLY NOW ](https://apply.1fbusa.com/card/apply/?cid=q4bB85&source=LPTOP&passRequestParamsThru=true) [WHY BUILD A CREDIT HISTORY ](https://students.1fbusa.com/first-credit-card#build-credit)

![hero_wReader-1](https://students.1fbusa.com/hubfs/hero_wReader-1.png)

HERE FOR YOU

## Perks Designed For Student Life

### **Flexible Payment Options**

Pay your full balance, the minimum payment due, or any amount in between. It's up to you.

### **Instant Cash Access**

Don't let "Cash Only" signs stop you. Your card works at any ATM or bank with a Visa™ logo on it.

### **Protection From Scammers**

Something not familiar in your statement? Contact us immediately, so you won't be responsible for unauthorized charges.

### **Experts On Your Side**

We've been helping people improve their financial futures for over 110 years.

### **Easy Account Tracking**

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

### **Worldwide Acceptance**

Rely on your card when ordering books at home, shopping abroad, and just about anywhere else.

CREDIT SCORE TIPS

## How To Build a Credit History With Your First Credit Card

Credit scores tell lenders how likely you are to pay back a loan. Having a good score may make it easier to do things like rent an apartment or buy a car.

These 3 tips can help you establish a good one:

![icons_1-StartEarly](https://students.1fbusa.com/hubfs/Start%20Building%20Credit%20Landing%20Page/icons_1-StartEarly.svg)

#### Start Early With Your First Card

Lenders like seeing a history of credit activity.

![icons_TrackRecord](https://students.1fbusa.com/hubfs/icons_TrackRecord.svg)

#### Show a Good Track Record

By making payments on time, your first credit card will help you improve your credit score.

![icons_LowBalance](https://students.1fbusa.com/hubfs/icons_LowBalance.svg)

#### Keep a Low Balance

It's your first card, be sure not to use too much of your available credit, it can lower your score.

![](https://students.1fbusa.com/hubfs/card-1.png)

## Start Your Credit Journey Today

[APPLY NOW ](https://apply.1fbusa.com/card/apply/?cid=q4bB85&source=LPMID&passRequestParamsThru=true)

WHY BUILD A CREDIT HISTORY WITH US

## What Our Cardmembers Are Saying

This is actually my first credit card and it will help me by building my credit history at such a young age.

![icons_BuildCredit](https://students.1fbusa.com/hubfs/icons_BuildCredit.svg)

KELSY

This card has been a great start to my financial freedom and helped me be more financially literate.

![icons_1-freedom](https://students.1fbusa.com/hubfs/icons_1-freedom.svg)

D'TERRAINIQUE

I used it to fill up my gas tank! I love that I am building credit at a young age.

![icons_3-gas](https://students.1fbusa.com/hubfs/icons_3-gas.svg)

BROOKE

It's helped me so much!! This is my first credit card and I truly love it!!

![icons_Love](https://students.1fbusa.com/hubfs/icons_Love.svg)

AALIYAH