Credit Card
First Digital Mastercard® Review: Power Up Your Credit!
You can transform your credit story with the First Digital Mastercard®. Accepted nationwide, this genuine Mastercard® offers cash back on all payments. Begin your path to credit empowerment!
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Get 1% cash back, manageable monthly payments, and build credit with every purchase you make!
When it comes to building or rebuilding your credit, the First Digital Mastercard® might be a good credit card option to review. With some compelling features, it can help you while offering rewards.
Apply for First Digital Mastercard®
With the First Digital Mastercard® you can apply online in minutes! Discover a credit solution that embraces all credit histories!
Although cardholders can get cash back on purchases, the First Digital Mastercard® charges some fees along the way. So, it’s a good idea to understand the features before you decide to apply.
- Credit Score: Designed to accommodate individuals with less-than-perfect credit, offering an opportunity to build or rebuild their credit history.
- Annual Fee: Besides a program fee of $95, this card charges an annual fee of $75 for the first year. After that period, the annual fee is $48.
- Purchase APR: 35.99%.
- Cash Advance APR: Similar to the Purchase APR, the Cash Advance APR is 35.99%.
- Rewards: Cardholders earn 1% cash back on all payments made towards the balance on their account. You earn rewards points at the end of each billing cycle.
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First Digital Mastercard®: a deep dive
Unlike most credit-building cards, the First Digital Mastercard® doesn’t require a security deposit, but it’s essential to review its features to make sure it’s the right option for you.
Firstly, one of its standout features is the accessibility it offers, as it doesn’t require a perfect credit score for approval.
Besides, it offers an interesting rewards program of 1% cash back on all payments made towards the balance on your account. However, the points can only be redeemed once you reach 500 points.
Additionally, the card reports to credit bureaus on a monthly basis. This reporting can have a positive impact on a user’s credit history, provided they make timely payments.
Issued by Synovus Bank, a reputable financial institution based in Columbus, GA, the First Digital Mastercard® provides users with confidence in their financial transactions!
Analyzing the advantages and drawbacks of the First Digital Mastercard®
As you’ll find in this review, the First Digital Mastercard® presents an opportunity for accessible credit building. But it’s important to weigh the pros and drawbacks to make an informed decision.
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Pros
- Doesn’t demand a perfect credit score for approval;
- Cash back on all payments made towards account balance;
- Convenient application process;
- The card contributes positively to users’ credit histories;
- Cardholders can make manageable monthly payments;
- Mobile app for easy account management.
Cons
- $95.00 program fee that you need to pay upon approval;
- This card charges annual fee;
- Redemption of rewards points is subject to a 500-point minimum;
- or security reasons, you can’t use the card at automated fuel pumps.
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Eligibility Requirements for the First Digital Mastercard®
So, are you interested in applying for this card? Then, review some of the eligibility criteria for the First Digital Mastercard®, set by the issuer, Synovus Bank.
While the card is designed to accommodate a range of credit profiles, individuals must comply with certain legal requirements, including providing necessary identification information.
This may include details such as name, address, date of birth, and other information to allow the bank to identify the applicant reasonably.
Applying for the First Digital Mastercard®: a manual
If after this review you are ready to apply for the First Digital Mastercard®, be prepared for a straightforward and convenient application process! This means you can get your answer today.
After all, with four easy steps and a 60 seconds response, you can get your very own First Digital Mastercard® and start positively impacting your credit standing. Discover the step-by-step below!
Apply for First Digital Mastercard®
With the First Digital Mastercard® you can apply online in minutes! Discover a credit solution that embraces all credit histories!
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