Credit Cards

First Digital Mastercard® full review

The First Digital Mastercard® is ideal for anyone with a bad credit score. See what the benefits of this option are.

Note: Some information in this post might be outdated. For the most current documentation and updates, please refer to the product’s original page.

First Digital Mastercard®: start building your credit!

First digital card — Read our First Digital Mastercard® review! Source: First Digital Card

People with bad credit scores find applying for a new credit card very difficult. But, the First Digital Mastercard® helps these people by offering a card for those who don’t have a good credit score, and you’ll learn all about it in this review!

Credit Card

First Digital Mastercard®

bad score build credit

Accepts bad credit scores, helps build credit, and has theft protection.

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While it doesn’t have many benefits and has a high APR rate, it helps organize groceries for those who need them.

In addition, it helps to build credit and reports to the main agencies in the country. Know more!

Credit Score: 300 minimum;
Annual Fee: $75.00 for the first year. After that, $48.00 annually;
Regular APR: 35.99% variable APR for purchases and cash advances;
Welcome bonus: No monthly servicing fee for the first year;
Rewards: N/A.

How does the First Digital Mastercard® work?

woman with card and notebook — See how this card works! Source: Adobe Stock.

This First Digital Mastercard® review provides key information about this credit option. It is ideal for people who do not have a good credit score and need to rebuild it.

The card has high associated fees, especially in the first year. In addition, it has annual and monthly fees, which aim to ensure payment by the creditor company.

The application can be made online, on the official website, or through the smartphone application. You must be over 18 years old and a US citizen to apply.

First Digital Mastercard® pros and cons

The First Digital Mastercard® is a card for those with a bad credit score, as we have already said. However, just like every credit card option, it has pros and cons.

Most people with a bad credit score can apply for this option and have data theft protection. However, the First Digital Mastercard® has high associated APR rates and no rewards. Check out!

Pros

A good credit score is not required to apply;
Online service;
Reporting to credit agencies on the good use of the card;
Protection against theft of personal data.

Cons

Higher APR rates than other card options for a higher credit score;
The relatively high annual rate in the first year;
No rewards or cash back.

Does my credit score need to be good?

You may have noticed in this First Digital Mastercard® full review that you don’t need a good credit score. After all, this option is perfect for people who need to rebuild credit.

In this sense, the company informs that the minimum credit score of 300 is enough to apply. However, the higher the credit score, the lower the associated APR rates.

Want to apply for the First Digital Mastercard®?

Having an approved credit card with a bad credit score is a dilemma for many people. However, the First Digital Mastercard® can help you. It benefits people with bad credit scores to build credit.

Credit Card

First Digital Mastercard®

bad score build credit

Accepts bad credit scores, helps build credit, and has theft protection.

You will be redirected to another website

However, to have your application approved, it is essential to know how to apply correctly. Want to know how not to make mistakes in the process? Keep reading!

Apply online

man paying bills at computer — Find out how to apply online! Source: Freepik.

It is not enough to complete the initial requirements for credit card approval. It is necessary to fill correctly in the data online.

To apply for the First Digital Mastercard® online, you must be 18 years of age or older and a US citizen. So, you’ll just need to complete a previous registration with your personal information.

Apply using the app

There is not much information about a mobile app for this credit card. So, the easiest way is to apply online.

First Digital Mastercard® vs. FIT Mastercard

With the evolution of credit cards, you can have access even if you have a bad credit score. However, most companies that offer this option have a relatively high APR and associated fees.

The First Digital Mastercard® is a flexible option that allows people with a minimum credit score of 300 to apply. However, it has a high APR and associated annual fees, especially in the first year.

In turn, FIT Mastercard has a lower APR rate. However, a higher credit score is required to apply for this option. Check out the comparison below.