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First Digital Mastercard® full review: should you get it?

Discover a credit-building tool that can approve you even with bad credit: the First Digital Mastercard®. Apply and have an initial limit of $300.

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First Digital Mastercard®: a helping hand for those who need to build their own credit

First Digital Mastercard®
Learn all about the First Digital Mastercard®. Source: Foster the Money.

Restart. In fact, that’s a word that pretty much sums up the concept of the First Digital Mastercard®.

This card has already allowed many people to restart their economic lives, going from bad credit to better scores. If that’s what you need, read this article and learn more about this card.

First Digital Mastercard®

First Digital Mastercard®: check out how to apply!

Apply to the First Digital Mastercard® to get an opportunity to build your credit even with a low score. Learn more!

Credit ScorePoor – Fair.
Annual Fee$75.00 for the first year. After that, $48.00 annually.
FeesOne-time program fee of $95. Late and return payment fees up to $41.
Regular APR35.99%.
Welcome bonusNone.
Rewards1% cash back.

First Digital Mastercard®: learn more about this financial product

At first glance, the First Digital Mastercard® stands out for its brushed metal look. However, what really stands out is the opportunity to rebuild your financial life.

This card has a simple application process. To apply, you don’t need high credit scores.

As a matter of fact, many people with a bad credit score and not-so-good track record have been approved for this product.

In addition, with the First Digital Mastercard®, you can count on reporting to the main credit agencies in the country. Undoubtedly, this is essential for your credit to grow.

All this with a card that does not require an initial deposit and is accepted almost anywhere in the country.

First Digital Mastercard® features

First Digital Mastercard®
Learn more about the card’s pros and cons. Source: Canva.

The First Digital Mastercard® is the type of card that will “reach out” when no other will. However, take a look at the lists below to see what other advantages and disadvantages this credit product has:

What are the benefits? 

  • Earn 1% cash back rewards on payments made to your First Digital Credit Card.
  • Checking Account Required.
  • $300 credit limit (subject to available credit).
  • Build up your credit history with a card that reports to all three major credit bureaus every month.
  • Perfect credit not required for approval; we may approve you when others won’t.
  • *See Rates, Fees, Costs & Limitations for complete offer details.
  • See Cash Back Rewards Programs Terms & Conditions for details.
  • Get the security and convenience of a full-feature, unsecured MasterCard® Credit Card – accepted at millions of merchant and ATM locations worldwide and online.
  • Designed to help overcome credit issues; you may be approved even if you’ve been declined elsewhere.
  • You may be eligible for a Credit Line Increase after 12 months.
  • Easy and secure online application – It takes just moments to apply.
  • If approved, just pay the one-time Program Fee to gain access to your new account and credit line (subject to available credit).
  • Receive your card more quickly with optional Expedited Processing (additional fee applies).
  • Get a result in as little as 60 seconds upon completion of the online application.
  • Online Customer Center available 24 x 7.
  • Issued by Synovus Bank, Member: FDIC.

And what are the drawbacks?

  • An extremely high APR;
  • High annual fee;
  • $75.00 for the first year. After that, $48.00 annually;
  • To activate your card, you need to pay a one-time fee of $95;
  • Late Payment Fee Up to $41.00;
  • Return Payment Fee Up to $41.00.

What credit score do you need to get the First Digital Mastercard®?

The First Digital Mastercard® is a card for building and rebuilding credit. For this reason, having bad credit is not a deterrent. So, it is possible to apply even with a bad credit score.

How does the First Digital Mastercard® application process work?

Your application for this card can be done online and takes no more than 60 seconds. To understand how this process works, click on the link below and read an exclusive article:

First Digital Mastercard®

First Digital Mastercard®: check out how to apply!

Apply to the First Digital Mastercard® to get an opportunity to build your credit even with a low score. Learn more!

About the author  /  José Gonçalo

I started reading about finance only to find better options than savings. Since then, I have never stopped studying finance, and I believe that writing about it is the best way to help individuals feel fulfilled and have a healthy financial life. Today, I balance finance and medical school studies.

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