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First Digital Mastercard®

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Fees

One-Time Fees$95

Annual Fees$75 1st yr, $48 after

Monthly Fee$0 1st year, $6.25 after

APR on Purchases

35.99%

Editor's Take

by John Kiernan

April 21st, 2022

First Digital Card Pros & Cons

Qualify with limited or no credit history

Does not require security deposit

One-time fees

No rewards

No rewards bonus

No intro APR on purchases

First Digital Card Review

The First Digital Mastercard is an expensive unsecured credit card for people with limited or bad credit. It charges a $95 “program fee” prior to account opening and has a $75 annual fee the first year. Then, starting year two, the annual fee drops to $48 but is joined by... show more

View 219 User Reviews

First Digital Card's Additional Info

cash advance fee

3% (min $10)

cash advance APR

35.99%

foreign transaction fee

Cannot be used outside the U.S.

smart chip

max late fee

$40

max overlimit fee

max penalty APR

None

grace period

21 days

Apply Now

at First Digital's secure site

Get the security and convenience of a full-feature, unsecured MasterCard® Credit Card – accepted at millions of merchant and ATM locations worldwide and online.

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.

Easy and secure online application – It takes just moments to apply.

Issued by Synovus Bank, Member: FDIC

Apply Now

at First Digital's secure site

Questions & Answers

Don't see what you're looking for? Submit your question about First Digital Mastercard® to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this card.

Is the First Digital Card legit?

Upvotes

Chip Lupo, Credit Card Writer

Yes, the First Digital Mastercard® card is legit. The First Digital Card is legit because it is issued by Synovus Bank, an FDIC member that is accredited by the Better Business Bureau and has an "A+" BBB rating, in partnership with Vervent (former Total Card Inc.). The First Digital Card also reports information to the major credit bureaus each month.

Why The First Digital Card is Legit

Issued by Synovus Bank, an FDIC member that is accredited by the Better Business Bureau and has an "A+" BBB rating, in partnership with Vervent (former Total Card Inc.).
Rated 1/5 stars by WalletHub editors.
3.4 / 5 average user rating on WalletHub.
Reports to all three of the major credit bureaus: Equifax, Experian, and TransUnion.
$0 fraud liability guarantee.

In addition, the First Digital Card is legit because it's on the Mastercard credit card network, meaning you can use the card anywhere Mastercard credit cards are accepted.

View more answers

What is the First Digital Mastercard APR?

Upvotes

Brianne Larch, WalletHub Credit Card Analyst

The First Digital Card APR is 35.99%. That's one of the most expensive credit card APRs on the market, and the average credit card charges around 18.32%. Therefore, it's not a good idea to carry a balance on this card. The APR for cash advances (using your card... show more

How much is the First Digital Card annual fee?

Upvotes

Chip Lupo, Credit Card Writer

The First Digital Card annual fee is $75 for the first year and $48 after that. The First Digital Card also charges cardholders monthly fees, starting with the second year an account is open. In addition, new cardholders are required to pay a one-time fee to open an account.

... show more

Do I need a checking account to get the First Digital Mastercard?

Upvotes

Maggie Bowers

The First Digital Mastercards requires a checking account to apply.

The application is available online, and First Digital's website says you can get a decision in as little as 60 seconds.

Does First Digital Mastercard do a hard pull?

Upvotes

Maxine Phillips

Yes, applying for the First Digital Mastercard will do a hard pull on your credit report. It is an unsecured credit card designed for people with less than 3 years of credit history, meaning that credit is extended based on an initial credit inquiry.

There is no way to... show more

How can I reach the First Digital Mastercard customer service?

Upvotes

Adam Bennett

You can reach the First Digital Mastercard customer service by calling (844) 358-0074.

Otherwise, you can sign in to your account to contact them, or send your inquiries via mail to the following address:

First Digital Card
PO Box 85650
Sioux Falls, SD 57118

How do I cancel my First Digital Mastercard?

Upvotes

Chelsea Bass

You can cancel your First Digital Mastercard by calling 1-888-796-6887 or the number on the back of your card.

You could also send a request to cancel your card via mail to the following address:

PO Box 85650
Sioux Falls, SD 57118
(844) 358-0074

How long does it take to get the First Digital Mastercard?

Upvotes

Erwin Lozano

It takes up to 7-10 business days to get the First Digital Mastercard after approval, which could take as little as 60 seconds.

If you need your card sooner, you can get expedited shipping at an extra cost of $35. This way you will probably get your card in 5-7... show more

How do I get a First Digital Mastercard credit limit increase?

Upvotes

Benjamin Hoffman

You can get a First Digital Mastercard credit limit increase online or by calling 1-844-358-0074.

It's important to note that with every credit limit increase comes a fee, which is 25% of the amount of the increase.

Limit increases are available after the account has been open for... show more

How do I make a First Digital Card payment?

Upvotes

Chip Lupo, Credit Card Writer

You can make a First Digital Mastercard® payment online, by phone, through the Synovus Bank mobile app or by mail. To pay a First Digital Card bill online, log in to your online account and find the payment button. Then, choose how much to pay, when to pay it, and... show more

Compare The First Digital Card

First Digital Mastercard®

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Purchase Intro APRNot Offered

Transfer Intro APRNot Offered

Regular APR35.99%

Regular APR26.99% (V)

Regular APR13.24% - 27.24% (V)

Rewards RateNone

Rewards Rate1 - 1.5% Cash Back

Apply Now

First Digital Card Video Review

First Digital Card Reviews

Share your insights and review the First Digital Mastercard®

3.3

What's Your Rating?

rogerdodger_deals
April 30, 2022 • @rogerdodger_deals

Do not bother getting this card. The whole process is a scam and clear up to the supervisors will lie to you. Stay away . Run as far away from this group

Comment

Sonya Woodberry
February 24, 2022 • @sonyawoodberry

PLEASE LEAVE THIS CARD ALONE NO MATTER HOW BAD YOUR CREDIT IS PLEASE LEAVE THIS CARD ALONE THERE IS NO BENEFITS FOR YOU AT ALL
BECAUSE OF OUR CREDIT WE ARE LIMITED TO CREDIT CARDS BUT PLEASE LEAVE THIS ONE ALONE

Comment

Scott Walkup
February 15, 2022 • @scottwalk54

Worse card ever. They purposely schedule your due date to come before your pay check. Then when you try and change it it takes them 3 months. That's correct they want to get 3 more 40.00 late charges from you. Their customer service reps are no help, don't even know the company rules and most of them barely speak English. Their supervisors are worse.

Comment

Joseph DeSouza
February 8, 2022 • @4joseph_desouza

The customer service that you experience is poor at best. They place unnecessary holds on your card for car rentals. I rented a car from budget on 1-24-22, returned the next day (10 day hold was placed on card), was on the phone with budget when they faxed the completed contract (1-31-22, another 10 day hold placed on card), called on 2-8-22, and has to place another 10 day hold on the credit card. This is only one example of MANY examples of poor customer service that I have experienced. I asked the rep if they have a retention department, and he said “the reps are the retention department” and when I told him I want to cancel my service, I asked….."are you going to try and save me as a customer?" His response is, “well, you have already made up your mind." If this is a representation of the company, I DO NOT WANT TO DEAL WITH IT, EVEN IF I HAVE QUESTIONABLE CREDIT. NOBODY DESERVES POOR SERVICE LIKE THIS.

Comment

Chase
January 15, 2022 • @chasemanhattan20

I am only giving 4 stars because I am very upset. I have the First access card and the first digital. Have made over a year of on time payments. Kept my balances low and always paid! I have yet to get a credit limit increase and when I apply it denies me with a credit score that is over a year old in the system. I have a few other credit cards that have given me credit limit increases with less time without any hassle. I want to continue to be a customer but I want credit limit increases on both my cards. My name is Chase Rhyan merriman. That is the name on the account. A manager needs to reach out to me!

Comment

James Hall
January 1, 2022 • @jamesh_592

It an good credit card to have an it has alot to offer and can be used everyday as everywhere as it reported to every three credit bureau’s

Comment

meyerhat
November 5, 2021 • @meyerhat

Great card to better my credit. It helps you have credit card as a unsecured credit card. I have had this card for over a year. Give it a try

Comment

Jessica Lee
August 16, 2021 • @1234lore

HUGE SCAM!!! Signed up because Credit Karma said this card was a good way to build credit. Beyond the expensive start up costs, when I downloaded the app and logged in, the account was full of money and very private information for someone else. Not sure how me creating a new log in and password on the app linked me to someone else’s account!! Called customer service and they did nothing about it, they just kept giving me different numbers to call. So scary that this company has no concerns for safety and privacy of information. And kudos to the person who’s account I have access to for having tens of thousands of dollars in multiple accounts:)

Comment

David Poulson
July 31, 2021 • @davidpoulson618

I am a disabled Iraq vet. I was in a accident and was in the hospital 2 1/2 months. I got behind on my card. Once I got out I got all my other cards in order and were understanding, except first digital. I told them I would show records of me being in the hospital and that I would pay my card off. Could we please go back to normal. Their reply was NO. Thx for your understanding.

Comment

christyadams1976
May 26, 2021 • @christyadams1976

Not having app to download to check balance,when payment has been made etc. There isn't anyway to stay up to date on transactions. There is not any kind of rewards program. Why isn't there a real person you can talk about your situation.

Comment

Review First Digital Mastercard®

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Offer last updated: Apr 21st, 2022 at 18:09 ET

First Digital Mastercard®

First Digital Mastercard®

Accepted Credit Scores

Fees

APR on Purchases

Editor's Take

First Digital Card Pros & Cons

First Digital Card Review

First Digital Card's Additional Info

Questions & Answers

Why The First Digital Card is Legit

... show more

Compare The First Digital Card

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First Digital Card Video Review

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