Helping Students Build Credit for Over 30 Years

Start your financial journey with 1FBUSA's Visa^® Black card. Designed specifically for college students to build credit responsibly. Learn more

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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

Enter to Win a $2,000 Financial Goals Scholarship

1st Financial Bank USA^® (1FBUSA) wants to celebrate those who recognize the importance of pursuing educational and financial goals with the 1st Financial Bank USA Financial Goals Scholarship^®.

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February 2026 1FBUSA Scholarship Winner- Jackson A.

February 2026 1st Financial Bank USA Financial Goals Scholarship Winner: Jackson A.

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Our Mission

At 1st Financial Bank USA, we believe every student deserves access to credit. For over three decades, we've been committed to helping young adults build strong credit foundations, develop healthy financial habits, and achieve their dreams. Our mission is to empower the next generation with the tools, knowledge, and support they need to thrive financially throughout their lives.

Student-Focused

Designed specifically for college students' unique financial needs

Credit Building

Proven track record of helping students establish strong credit

Trusted Partner

30+ years of experience in student financial services