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- Firstcard: Credit Builder Card Vs. Lili - Small Business Finances
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Firstcard: Credit Builder Card vs Lili - Small Business Finances Uso & Estadísticas
Firstcard® Secured Credit Builder Card helps everyone build credit no matter who they are, where they are from, or their credit history. Firstcard primarily focuses on serving immigrants, foreigners, non-US citizens, international students, first-generation college students, and first-time credit builders in the US who are often denied credit due to the limited access to credit-building tools provided by traditional banks. Members can build credit, open a credit card and a bank account, earn cash back, and grow savings — all within a single platform. Firstcard is on a mission to democratize credit for all.
BUILD YOUR CREDIT SCORE EARLY AND SAFELY
- Build your credit score every time you spend
- Accepts immigrants, international students, foreigners, and non-US citizens without an SSN¹– apply with a passport
- No credit check or hard inquiry
- No overspending
- No interest, overdraft fee, late payment fee, or account minimum requirement
- We can approve your credit card application regardless of your credit history¹
- We report to all 3 major credit bureaus: TransUnion®, Equifax® and Experian®
- Applying for Firstcard does not impact your credit score
EARN CASHBACK² EVERY TIME YOU SPEND
- Earn up to 15% Merchant Cashback at 29,000 partner merchants
- Earn up to 10% Random Cashback on all qualifying purchases
- Get an additional 1% cashback on all qualifying purchases with Firstcard+³
GROW YOUR MONEY OVER TIME
- Firstcard Standard members can earn 0.75% Annual Percentage Yield⁴ (APY)
- Firstcard+ members can earn 2.00% APY
- Firstcard Premium members can earn 4.00% APY
(The national average interest rate on savings accounts is 0.45% APY⁵
EQUAL ACCESS FOR EVERYONE
- Accept immigrants, international students, foreigners, and non-US citizens without an SSN¹
- Have no credit score or low credit score? No problem. We can approve your credit card application regardless of your credit history.
SECURITY AND SUPPORT YOU CAN TRUST
- Your money is FDIC-insured up to $250,000 through Regent Bank, member FDIC.
- The Firstcard credit card is issued pursuant to a license from Mastercard® International Inc.
- Our team is based in the US and we are headquartered in Silicon Valley.
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Disclaimer:
The Firstcard credit cards are issued by Regent Bank, pursuant to a license from Mastercard® International Inc. Firstcard is a financial technology company, not a bank. Banking services are provided by Regent Bank; Member FDIC. FDIC deposit insurance up to $250,000 per qualified customer account on a "pass-through" basis; FDIC insurance only covers failure of insured depository institutions. Certain conditions must be satisfied for pass-through FDIC deposit insurance to apply.
¹Valid for 18+ and subject to account approval.
²Merchant Cashback: The amount of cashback is determined by the transaction and participating merchants. Random Cashback: Users will receive up to 10% of random cashback on qualifying purchases. Cashback is awarded within 7 days of the eligible transaction posting to your account. Accounts must be open at the time cashback rewards are being awarded or cashback will be forfeited. No minimum balance required to earn cashback. See firstcard.app/random-cashback-policy.
³Firstcard+ customers will earn an additional 1% unlimited cashback on all eligible credit card purchases. Exclusions apply. Cashback rewards are not earned on ATM withdrawals, P2P transfers, purchases of gift cards or other cash equivalents, and certain other types of transactions as determined by Firstcard.
⁴APY for the Deposit Account is variable and may change at any time. The disclosed APY is effective as of November 2024. Account fees may reduce earnings. Users with no SSN or ITIN on file are not currently eligible to earn interest. No minimum balance is required.
⁵Source: According to the FDIC, the national average interest rate on savings accounts is 0.45% APY (as of October 21, 2024). https://www.fdic.gov/resources/bankers/national-rates/.
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Lili is a business finance platform that enables small businesses to manage all aspects of their finances in one place. With business banking, smart bookkeeping, unlimited invoices & payments, and tax preparation tools–you’ll always know where your business stands.
BUSINESS BANKING
- Business Checking Account
- Lili Visa® Debit Card*
- Mobile Check Deposit
- Fee-free ATM withdrawals at 38K locations
- Cash Deposit at 90k participating retailers
- Get paid up to 2 days early
- No minimum balance or deposit required
- No hidden fees
- Automatic Savings
- Cashback Awards**
- Fee-free Overdraft up to $200**
- Savings Account with 3.65% APY****
ACCOUNTING SOFTWARE**
- Expense management tools and reports
- Income & expense insights***
- Attach receipts to expenses with a quick photo from your phone
- On-demand reporting including profit & loss and cash flow statements***
TAX PREPARATION**
- Automatic labeling of transactions into tax categories
- Write-off tracker
- Automated tax savings
- Pre-filled business tax forms (including Forms 1065, 1120, and Schedule C)***
INVOICING SOFTWARE***
- Create and send customized invoices
- Accept all payment methods
- Track unpaid invoices and send payment reminders
SUPPORT FOR YOUR BUSINESS
- Lili Academy: Videos and guides that cover all aspects of running a small business
- Free tools, downloadable resources, long-form guides and blog articles
- Discounts on relevant tools from our partners
- Curated newsletters and business-related content
ACCOUNT SECURITY YOU CAN RELY ON
All Lili accounts are insured up to $250,000 through our partner bank, Sunrise Banks, N.A., Member FDIC. Lili business accounts and debit cards are protected by industry-leading encryption software and security protocols, including fraud monitoring and multi-factor authentication. Lili customers receive transaction alerts in real-time, can access their account from mobile or desktop anytime and instantly freeze their card if needed.
LEGAL DISCLOSURES
Lili is a financial technology company, not a bank. Banking services are provided by Sunrise Banks N.A., Member FDIC
*The Lili Visa® Debit Card is issued by Sunrise Banks, N.A., Member FDIC, pursuant to a license from Visa U.S.A. Inc. Please see the back of your Card for its issuing bank. The Card may be used everywhere Visa debit cards are accepted.
**Available to Lili Pro, Lili Smart, and Lili Premium account holders only, applicable monthly account fee applies.
***Available to Lili Smart and Lili Premium account holders only, applicable monthly account fee applies.
****The Annual Percentage Yield (“APY”) for the Lili Savings Account is variable and may change at any time. The disclosed APY is effective as of October 1, 2024. Must have at least $0.01 in savings to earn interest. The APY applies to balances of up to and including $100,000. Any portions of a balance over $100,000 will not earn interest or have a yield. Available to Lili Pro, Lili Smart, and Lili Premium account holders only.
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Firstcard: Credit Builder Card frente a Lili - Small Business Finances: comparación de la clasificación
Comparar la tendencia de clasificación de Firstcard: Credit Builder Card en los últimos 28 días con Lili - Small Business Finances
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Firstcard: Credit Builder Card VS.
Lili - Small Business Finances
10iciembre d, 2024