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.


by Sabrina Paes

10/03/2022 | Updated on 10/05/2022

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!

First Digital logo

Applying for the First Digital Mastercard®

Improving your credit score is a big challenge, but the First Digital Mastercard® can help. Learn how to apply!

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!


  • 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.


  • 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®?

Qualifying for the First Digital Mastercard® approval is not enough. You must know how to correctly fill out your registration so your chances of approval increase.

Want to know how to apply correctly? Check out our post below that we’ve separated with the step-by-step to apply!

First Digital logo

Applying for the First Digital Mastercard®

Improving your credit score is a big challenge, but the First Digital Mastercard® can help. Learn how to apply!

About the author

Sabrina Paes

Content Writer, Copywriter, and Ghostwriter. Content marketing professional with 5 years of experience. Specialist in investment, finance, and technology niche. MBA in Marketing at the University of São Paulo, Brazil. Content Writer by Rock Content, and University of California (UCDAVIS).

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