First Digital Mastercard®: Boost Your Credit with Cash Back

Our review of the First Digital Mastercard®

Applying for a credit card with bad credit can be challenging, but the First Digital Mastercard® offers a solution for those looking to improve their credit score. With First Digital, perfect credit is not required for approval, making it easier to obtain a credit line and start working on your credit. Plus, with the backing of Mastercard features, you can focus on meeting your financial goals.

How to Get the Card

The First Digital Mastercard is not available to residents in New York and Wisconsin.

Quick and Easy Online Application

One of the most appealing features of the First Digital credit card is its streamlined online application process. You can apply online in minutes and expect a decision in as little as 60 seconds. Here are the credit requirements and rules for applicants:

• Age: Applicants must be at least 18 years old
• Social Security Number (SSN): U.S. citizens need to provide a SSN
• U.S. address: Applicants must have a United States mailing address (PO Boxes not allowed)
• Proof of income: Applicants must demonstrate the ability to make minimum monthly payments
• Bank account: Valid checking or savings account needed for payments
• Credit: Bad credit (sub 500 FICO Score) or better required

The easier credit requirement makes this card ideal for building credit without needing an excellent score for approval. However, high APRs may apply for those carrying a balance.

Upgradeable Credit Limit

Upon approval, you’ll receive an initial $300 credit limit (minus start-up fees). This limit is higher than most secured credit cards and can be increased over time. A higher limit can help improve credit utilization ratio and credit scores.

Mastercard® Benefits

Backed by Mastercard, the First Digital credit card offers:

• Zero Liability Protection
• Mastercard Global Services
• ID Theft Protection

Mastercard Global Services provides emergency assistance, while Zero Liability Protection ensures protection against unauthorized transactions. ID Theft Protection offers notification of suspicious activity.

Earn Cash Back Rewards

Cardholders earn 1% cash back rewards on all First Digital Credit Card payments. While rewards are basic, they can help offset monthly statements and incentivize building credit.

Comparison

Compared to similar offers like the First Access Visa® and Aspire® Cashback Rewards cards, the First Digital Mastercard offers competitive benefits:

Things to Consider

The First Digital Mastercard has associated rates and fees, including a one-time program fee, annual fee, and monthly service fee. While fees are comparable to secured credit cards, the unsecured credit line and credit limit increases make it a valuable option for credit repair.

Should You Apply?

The First Digital Mastercard is ideal for rebuilding credit and offers a quick solution for those with poor credit. While high APRs and fees may apply, responsible usage can help improve credit scores. The card reports to all major credit bureaus and enjoys Mastercard’s wide acceptance network, making it a valuable tool for credit improvement. Apply today and start your journey towards better credit.