You Don’t Need a Credit Score or Credit History to Have Your First Credit Card

The Student Credit Card from
1st Financial Bank USA can help you enjoy the holidays.

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WATCH THIS SHORT VIDEO TO LEARN MORE!

HERE FOR YOU

Perks Tailored to Your Student Life

Enjoy the holidays without sweating the financials; we've got you covered!

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.

Zero Liability

You're never responsible for unauthorized card use. If you didn't buy it, you won't pay for it.

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

Why Should a Student Build a Credit History?

Build a credit history in your own name to make your life easier. 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 credit score:

Get Started Early

Lenders like seeing a history of credit activity.

Show a Good Track Record

Your credit score improves when you make payments on time.

Keep a Low Balance

Using too much of your available credit can lower your score.

Start Your Credit Journey Today

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WHY BUILD A CREDIT HISTORY WITH US?

What Our Cardmembers Are Saying

It allows me to be able to purchase food for my dorm room. Also, I was able to purchase gas to travel home for the holiday.

Gabriel, WA

Allowed me to wait to pay for some Christmas gifts at a later date.

Haylee, OK

Using my student credit card helped me pay bills and buy Christmas presents.

Selena, OH

How Real Students Use a Credit Card in College

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