Note: Some information in this post might be outdated.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

If you’re new to credit or have a damaged score that could use some fixing, the First savings credit card is the right card for you.

With easy application and simple eligibility requirements, you can get a credit card to pay for your expenses and build yourself a credit history. This is important for your financial field. A good or excellent credit score will help you save money with better loan offers. You can also get excellent travel and rewards credit cards if you have a strong card.

But the road to the perfect credit score will not build itself overnight. You have to put some effort and learn how to use a credit card. That’s where First Savings credit card comes to the scene. Its role is to give you a credit line to use and create a credit history that speaks for you and shows your creditworthiness.

Let’s see how this card works, what are its benefits, and see if it’s really worth it.

The First Savings credit card is not a premium card, but it has something in common with the luxurious ultra-exclusive cards with VIP benefits: it is invite-only. But the similarities end there.

This card doesn’t have anything outstanding about it. It’s just a regular credit card for people who need one but can’t afford to have premium cards. It has no rewards program or welcome bonus.

Actually, a credit card’s function is to make purchases, and that’s all you can do with this card. But nowadays, credit cards usually offer more benefits and perks than this. As soon as you have a better score, you can look for a card with rewards or travel benefits. But until you reach this goal, you can use the First Savings credit card.

It is not fair to compare this card with the premium ones. It offers a credit line for people who need it. So, let’s see what it has to offer by checking its pros and cons.

This credit card is good for one thing only: to help you create a credit history to improve your score. Therefore, you don’t need any credit score to apply for it. So don’t worry about it if you’re thinking about applying for it.

The First Savings card is your chance of having a credit card. With so many options around, you might think that you could get any card you want. Unfortunately, that’s not true. But this card is your chance of having a credit card of your own to build you the outstanding credit score you dream about.

With an exclusive invite, you can turn into a card member and enjoy the benefits of a real credit line. And it’s not a suspicious branded card. It is a Mastercard. This means you can buy things and pay for your bills with this card from the U.S to Japan. All over the world, the best places accept Mastercard credit cards.

Let’s show you how to take the first step on your credit history journey by applying for the First Savings card.

Applying for the First Savings is straightforward and you can do it through the website in just a couple of minutes. But there is a tricky factor: to apply for it you need to receive an invitation. So, if you got an offer for this card in your e-mail, go to the website to conclude the process and ask for your new credit card.

On the First Savings website, you’ll find a section to “accept online”. This is where you’ll inform your reservation number, which you can find in your invitation.

Them, just proceed to fill out the form with the basic information about identity. As soon as you got everything done, you can submit the form and accept the offer to receive your credit card.

The First Savings app will help you check your statement and pay your card’s bill. But you can only use the app once you accept your offer on the First Savings website.

If you don’t have the invitation or don’t like your card offer, you can check another option. The Fit Mastercard is suitable for people with different credit scores.

First Savings credit card

Fit Mastercard