See how to apply for First Digital Mastercard


First Digital Mastercard: Best for: Quick Approval — Fast Access to Credit

First Digital Mastercard

Lustezz rating
3 /5
Rates & Fees
Apply Now on First Digital Mastercard website
  • Annual Fee

    $75.00 Annual fee for first year. After that, $48.00 annually.

  • APR

    35.99% APR for Purchases & Cash Advances.

  • Intro offer
  • Recommended Credit Score

    Normal Score.

Product Details
How do I apply for First Digital Rewards?
Apply for a First Digital Card account today and start earning 1% cash back based on payments that you make to your First Digital Card account. After opening your account, you are automatically enrolled in First Digital Rewards and can begin redeeming accrued points after your account is active for 6 months.
How do I earn First Digital Rewards?
Rewards are earned by making payments to your First Digital Credit Card and are tracked as points. You will earn 1 point for every dollar of payment made to your account which equates to 1% cash back in First Digital Card Rewards. Cash back is provided in the form of statement credits. Payments to the Program Fee or merchant credits/refunds to your account do not earn rewards.
Our take
GET YOUR CREDIT DECISION: Review the terms and conditions, submit your application & get your credit decision!
PAY $95.00 PROGRAM FEE: If approved, pay the $95.00 Program Fee to open your account.
DOWNLOAD OUR MOBILE APP: Download our Mobile App for either iOS or Android* for quick access to your account.

I’m sure you’ve heard it right—this credit card is poised to significantly boost your credit score beyond your previous levels. While it may not be your initial preference, if you find yourself with a less-than-ideal credit score, your options may be limited. Not every credit card issuer is eager to have you as a client, making the First Digital Mastercard an optimal choice.

Let’s not underestimate the value of this credit card. While it may not be an extraordinary option, sometimes the last resort is not as dire as it seems. This holds true for the First Digital Mastercard, which, while not transforming your financial situation into a field of flowers, offers advantages over some other credit cards designed for credit rebuilding.

What sets this card apart is the additional benefits it provides upon application. You’ll enjoy enhanced security measures and a credit limit that is entirely in your control. Furthermore, you can access your credit score at any time for free, and to top it off, you’ll receive a 1% cashback on every single purchase. If you’re intrigued, let’s continue exploring together.

What are the requirements to request the First Digital Mastercard?

Finally, let’s delve into one of the most crucial aspects of a credit card—the requirements necessary for application. While some may dismiss this as common knowledge, it’s essential to recognize that certain credit cards can be selective. Although this isn’t the case for the First Digital Mastercard, it’s always prudent to review the prerequisites.


  • Be over 18.
  • Have all necessary documents.

Necessary Documents for Request:

Similar to our earlier point about credit cards having specific requirements, the First Digital Mastercard does not fall into this category. Nevertheless, it’s a good practice to familiarize yourself with the required documents for every card, including this one. Below are the documents you’ll need:

  • Identity: Provide a valid identification document.
  • Proof of Residence: Furnish a document confirming your place of residence.
  • Monthly Pay: Submit documentation reflecting your monthly income.
  • Monthly Expenses: Detail your monthly expenses.

Who should apply for the First Digital Mastercard?

Have you ever considered credit card profiles? No, I’m not referring to the profiles you create during the application process, complete with a cute photo and a chosen username. Instead, I’m talking about specific financial profiles that can enhance your credit card experience. The First Digital Mastercard has four such profiles, and let’s explore them.

If You Enjoy Cash Back:

The 1% cashback feature on this credit card stands out as one of its primary benefits. Given that many people make daily purchases with their credit cards, cashback becomes a highly useful perk. If you value earning cash back on your transactions, this card is tailored for you.

If You Want to Rebuild Credit:

Rebuilding credit is no easy feat; it’s a challenging journey that can take significant time, depending on your motivation and the severity of your credit situation. The First Digital Mastercard provides an opportunity to start the journey of rebuilding your credit. If you have a less-than-ideal credit score, this card can be a valuable ally on your path to credit recovery.

If you have bad credit or no credit at all:

This is likely a question on the minds of many readers—what about those who have never had a credit card or have recently entered the financial world, starting to explore their credit options? If you find yourself in this situation, without a credit score, the key is to build one, and that’s precisely what this card aims to help you with. Whether you’re looking to enhance an existing credit score or starting from scratch, this card can assist you in establishing and improving your credit history.

If you enjoy extra protection:

Extra protection is another perk offered by this card. For instance, you can check your credit score every single day for free. Moreover, the card provides specific safeguards against credit card theft and identity theft. If you value added protection for these potential risks, this card offers valuable features to mitigate such concerns, assuring you a more secure credit experience.

One piece of advice for those wishing to apply for the First Digital Mastercard:

The process of applying for a credit card can seem challenging, even bordering on impossible, especially if you’re navigating it without prior knowledge. I understand this firsthand, having experienced it myself and guided many through it in various articles. That’s why I can tell you exactly what you need to hear: don’t overthink it.

Many individuals encounter difficulties in the application process simply because they overanalyze and dwell on various aspects. When you embark on the application journey, follow the steps provided, read everything carefully, and avoid overthinking. If you encounter any significant uncertainties that you believe are crucial for completing the form, reach out to the company directly or seek guidance through articles to ensure a smoother application experience.

Is the First Digital Mastercard really worth it? Let’s weigh the pros and cons:

When it comes to credit cards, pros and cons often collide, representing two sides of the same coin. In the case of this card, it’s evident with its annual fee, an aspect that is generally disliked, particularly for those aiming to improve their credit score. Additionally, the APR is relatively high, another unfavorable aspect.

However, the card also boasts positive attributes. Notably, it aids in building credit, catering to those starting from scratch or looking to enhance their credit scores. There’s also the added perk of cashback and several decent benefits, including protective features. Despite the drawbacks, considering the overall picture, I believe the card is worth considering.

Apply now for the First Digital Mastercard:

If you’re interested, don’t hesitate to take the next step. Start the application process by clicking below, and seize the opportunity to obtain the First Digital Mastercard. By doing so, you open the door to a credit card that not only helps you build or improve your credit but also provides additional benefits and features. Don’t miss out—act now to secure your financial opportunities with the First Digital Mastercard.

Trending Topics

Latest News