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First Digital Mastercard® (Consumer Credit Card)

First Digital Mastercard® (Consumer Credit Card) — Terms, Rates & Fees

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Earn 1% cash back rewards on payments made to your First Digital Credit Card. Checking Account Required. $300 credit limit (subject to available credit). Build up your credit history with a card that reports to all three major credit bureaus every month. Perfect credit not required for approval; we may approve you when others won’t. *See Rates, Fees, Costs & Limitations for complete offer details. See Cash Back Rewards Programs Terms & Conditions for details - https://images.totalcardinc.com/documents/firstdigitalrewards.pdf.

Nav's Verdict

Cost

HighLow

Effort to Apply

DifficultEasy

Card Perks

PoorGood

Features

PoorGood

5/10

Bottom Line

Designed to help overcome credit issues; you may be approved even if you’ve been declined elsewhere. If approved, there is a one-time Program Fee of $95* to gain access to your new account and credit line.

Pros

Reports to all three major credit bureaus.

Cons

Multiple fees

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Rates and Fees

Terms, Rates & Fees

Intro APR

N/A

Purchase APR

35.99%*

Annual Fee

$75.00 1st year, $48.00 after*

Welcome Offer

N/A

Rewards Rate

1% cash back on gas, groceries, and utilities.

Foreign Transaction Fee

N/A

Reviews

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For complete information, see the terms and conditions on the credit card, financing and service issuer’s website. In most cases, once you click “apply now”, you will be redirected to the issuer’s website where you may review the terms and conditions of the product before proceeding. While Nav always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms – and before applying you should understand the full terms of products as stated by the issuer itself.

Personal FICO credit scores and other credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit or financing type you are eligible for. Nav uses the Vantage 3.0 credit score to determine which credit offers are recommended which may differ from the credit score used by lenders and service providers. However, credit score alone does not guarantee or imply approval for any credit card, financing, or service offer.

Editorial Disclosure

Any personal views and opinions expressed are author’s alone, and do not necessarily reflect the viewpoint of Nav. Editorial content is not those of the companies mentioned, and has not been reviewed, approved or otherwise endorsed by any of these entities.

Reviews are not provided or commissioned by the credit card, financing and service companies that appear in this site. Reviews have not been reviewed, approved or otherwise endorsed by the credit card, financing and service companies and it is not their responsibility to ensure all posts and/or questions are answered.