First Digital Mastercard®
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The First Digital Mastercard® is for those with poor credit who don’t want to consider a secured credit card. It does report to all three credit bureaus, and you can earn 1% cash back on payments you make towards the card. However, its high fees should prompt one to look elsewhere. While this card offers quick approval, there are cheaper and better options available. We dive into the details in this First Digital review.
Our Rating
1.0/5.0
Welcome Offer
None
Annual Fee
Program fee of up to $95.00 (one-time fee). Annual fee of $75 for first year, after that, $48 annually. Plus a Monthly Servicing Fee of $0 for the first year, then $99 annually ($8.25 per month).
0% on Purchases
N/a
Reward Rate
1% cash back
0% on Balance Transfers
N/a
Welcome Offer
None
Features & Benefits
| Security | Zero Liability, Identity theft protection |
| Contactless Payments | |
| Benefits | Free credit score access |
| Travel Perks | None |
Rewards
Interest Rates & Fees
| Annual Fee | Program fee of up to $95.00 (one-time fee). Annual fee of $75 for first year, after that, $48 annually. Plus a Monthly Servicing Fee of $99 annually ($8.25 per month). |
| Foreign Transaction Fee | None |
| Regular APR | 35.99% (V) APR |
Pros & Cons
- Quick application and response
- Annual fee
- No welcome bonus
- High APR
- Monthly servicing fee after the first year
- One-time program fee
What Are the Best Alternatives?
Capital One Platinum Secured Credit Card
Rating
4.5
Rewards Range
N/A
Annual Fee
$0
Capital One Quicksilver Secured Cash Rewards Credit Card
Rating
4.8
Rewards Range
1.5%
Annual Fee
$0
U.S. Bank Cash+® Visa® Secured Card
Rating
4.6
Rewards Range
1% - 5%
Annual Fee
$0