First Digital Mastercard® Credit Card
Consumer Reviews, Fees, Credit Score, Application & Best Alternatives
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The First Digital Mastercard® is designed for people looking to build good credit, even if they have no credit history at all. Issued by the Synovus Bank, it reports monthly to all 3 major credit bureaus, so it can help you quickly improve your credit score or build one from scratch. Although it comes with higher fees and APR, it can be a great tool for getting your finances in order. You'll have a low credit limit, but you may become eligible to increase it after a year of being a responsible cardholder. Read our honest First Digital editorial review below to find out if this card is the right fit for you.
- Get the security and convenience of a full-feature, unsecured MasterCard Credit Card - accepted at millions of merchant and ATM locations worldwide and online.
- You may be eligible for a Credit Line Increase after 12 months.
- Build up your credit history with a card that reports to all three major credit bureaus every month.
- Bad credit application accepted
- Online Customer Center available 24 x 7.
- Application results in 60 seconds.
- Issued by Synovus Bank, Member: FDIC
- Read the Review of First Digital NextGen Mastercard
People with less-than-perfect credit will find the First Digital Mastercard offer to be an excellent tool for building good credit. Applying for this card is incredibly easy, and getting approved is much easier than with most cards for bad credit.
Apart from very low application requirements and high approval ratings, this card comes with several more benefits to look forward to.
It does have high fees and APR, but it can still come in pretty handy when you want to build or rebuild your credit.
Who Is This Card for?
The First Digital card is purposefully designed for all those looking to improve a bad credit score. People who may have had credit issues in the past and want to repair their FICO score can do so easily with this card.
People with no credit history at all can also benefit from this offer and quickly reach better financial stability. So, if you want to build or rebuild your credit, the First Digital credit card might be a good fit for you.
This credit card doesn't have any rewards and additional perks, but its sole purpose is to help you build up your credit, after all.
Since it reports your monthly usage and payment activity to all 3 major credit bureaus, it can help you improve your credit score fairly quickly.
Another benefit is that no security deposit is required to open your account. You only need to have a checking account and meet the other low application requirements.
Yet another great thing is the possibility of increasing your credit limit. Although you get a low initial spending limit, you may be eligible to increase it after 12 months of responsible use.
The low initial credit limit of $300 might deter some consumers from applying for this card. The limit is set low because the card is primarily a tool for repairing credit. And since it is an unsecured card that doesn't require a security deposit, you simply can't control the spending you get. However, it's a good thing you may be able to increase it later on.
The greatest disadvantage of this card is a bevy of high rates and fees. Its fees might be more than enough to push you away, as well as the fact that it has one of the highest APRs on the market.
But annual and maintenance fees aside, you can avoid high-interest rates and late payment fees by always providing full payments on time and keeping your spending below 30% of your credit limit. Otherwise, you would hurt your credit score too.
Should You Use the First Digital Card?
This credit card is truly an excellent choice when you want to boost your credit score or establish a good credit history from scratch. If you can't afford a security deposit that comes with secured credit cards, then this card might be a good option for you.
If you can afford a security deposit, you might be better off with a secured credit card. This is because the First Digital comes with high fees and APR, which you don't get back like the refundable deposit with secured cards.
If you think you can provide all your payments in full and on time - every single month - to avoid higher APR and fees, then go for it, because you'll be able to build good credit quickly that way.
But if you don't think you can afford it all and always be punctual with your payments, then this card might not be a sound choice for you.
Read the Review of First Digital Mastercard.
- Bad credit applications accepted
- Secure online application with an instant response
- No security deposit required
- Possibility of credit limit increases
- Monthly reporting to all three major credit bureaus
- A low initial credit limit
- Hefty annual and maintenance fees
- High APR
- No rewards and bonuses
- No additional perks for cardholders
|Review:||Full Card Review|
Rates & Fees
|Introductory APR (%):||N/A|
|Regular APR:||See Terms|
|Regular APR Type:||Variable*|
|Annual Fee:||See Terms*|
|APR on Cash Advances:||35.99%*|
|Grace Period:||23 days*|
|Late Payment Fee:||$40*|
Alternatives, Compare First Digital Mastercard® Credit Card With Similar Offers
First Digital Mastercard® Credit Card
See Terms (Variable)*
Min. Credit Level
Bad Credit OK*