Pros
No minimum deposit required: Unlike most secured cards, Firstcard allows users to start with any deposit amount
0% APR on purchases: This feature is extremely rare for secured cards and can significantly reduce the cost of carrying a balance
Cash back rewards up to 15%: The high cash back percentage at partner merchants is unusually generous for a secured card
Cons
Monthly subscription fee: There is a required monthly fee of $4.99 to $12.99
Limited acceptance: As a newer, less established card, it may not be as widely accepted as cards from major issuers
Tiered benefits system: The varying levels of benefits tied to different subscription tiers may be confusing for new credit users
