Looking to repair your less than perfect credit score? Learn all about how the First Digital Mastercard® can help in this review.

A new credit card can be a stepping stone to rebuild your credit history with responsible use, making it an essential tool for those seeking a healthier financial future.

Read on to discover the benefits of this card and how it aids in your financial recovery.

First Digital Mastercard® is unsecured, so no security deposit is needed.

However, new cardholders are given a $300 initial credit limit due to the lack of financial backing for high-risk customers, which could benefit those seeking expense management.

Issued by Synovus Bank, the First Digital Mastercard® has nationwide Mastercard coverage and requires a checking account for application.

Approval incurs a $95 Program Fee, as well as an $8.25 monthly service fee and a high APR of 35.99%.

The First Digital Mastercard® aims to aid your financial future by reporting your activity to major credit bureaus, potentially improving your credit score in a few months.

Responsible use may lead to an increased credit limit within a year of opening the account.

While repairing credit takes time, a new credit card can be a useful tool in the process. However, it’s crucial to weigh the pros and cons before applying.

Here are some benefits and drawbacks of the First Digital Mastercard®.

Obtain the protection and flexibility of an unsecured Mastercard® Credit Card, accepted worldwide at ATMs, online, and millions of merchants.

Establish a credit history by having your monthly activity reported to all three major credit bureaus. Approval is possible even without excellent credit.

The online application process is both secure and straightforward. Synovus Bank issues the card and is a member of the FDIC.

This card has activation and monthly maintenance fees, with the annual fee deducted from the initial credit limit.

It also has a high APR and lacks rewards or benefits. Late and return payment fees may be as high as $41.00.

The First Digital Mastercard® is intended for individuals with low or fair credit scores, with a credit rate as low as 300 being acceptable.

However, it is crucial to carefully review the terms and conditions before applying, as reckless use may worsen your financial history.

Ready to start repairing your credit score with the First Digital Mastercard®? Keep reading to learn about the application process and take control of your financial future today!

To apply for the First Digital Mastercard®, simply visit their website and fill out the online application form with your personal information.

As long as you are a US resident, you can click the “Continue” button to proceed.

According to First Digital, you can receive approval in as little as 60 seconds.

After approval, it may take up to 3 weeks for your account to be set up and for your new credit card to be delivered to your mailing address.

Regrettably, there is no mobile app available from First Digital for managing or requesting the card.

All new applications must be submitted through the online form found on their official website.

Although applying for the card over the phone is not an option, you can contact First Digital at (844) 358-0074 with any questions or concerns regarding the product.

Perhaps the benefits and rewards offered by the First Digital Mastercard® are not enough to capture your attention.

However, if you’re up for it, have you considered applying for an American Express Platinum card?

This ultra-exclusive card is ideal for frequent travelers, but it requires an invitation to apply. Check out the extensive perks and features of this card below and click the link to request an invitation.

For those with a bad to fair credit score, the First Digital Mastercard® may be an option to consider.

However, it’s important to note that the card has an annual fee of $75.00 for the first year and $48.00 thereafter.

The regular APR is set at 35.99% and there are no welcome bonuses or rewards associated with this card.

Ideal for those with credit scores above 720, this credit card comes with an annual fee of $695.

The Pay Over Time feature APR ranges from 20.74% to 28.74%, based on your creditworthiness and other factors, while the Cash Advance APR is a variable 29.99%.

New card members can earn a welcome bonus of 80,000 Membership Rewards® points by spending $6,000 on purchases within the first 6 months of Card Membership. *Terms and Conditions Apply.

Additionally, you can earn 5x points on flights booked directly through airlines or American Express Travel (up to $500,000 on these purchases per calendar year), 5x points on prepaid hotels (when booked through AmexTravel.com), and 1x point on all other eligible purchases. Terms and Conditions Apply.