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First Digital Mastercard®
First Digital Mastercard® Review
The First Digital Mastercard® could be a stepping stone for those desperately seeking to rebuild credit and who might find themselves with limited options due to their credit history.
Our editors rate credit cards objectively based on the features the credit card offers consumers, the fees and interest rates, and how a credit card compares with other cards in its category. The ratings are the expert opinion of our editors, and not influenced by any remuneration this site receives from card issuers.
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First Digital Mastercard®
SIGN-UP BONUS
None
REWARDS RATE
1% Cash Back
Widely Accepted
Get the security and convenience of a full-feature, unsecured Mastercard® Credit Card – accepted at millions of merchant and ATM locations nationwide and online.
Build Credit
Build up your Credit with a card that reports to all three major credit bureaus every month.
Fast Application and Delivery
Easy and secure online application – it just takes moments to apply. Receive your card more quickly with optional Expedited Processing (additional fee applies).
Annual Fee
$75.00 1st year, $48.00 after*
Card Brand
Mastercard®
Recommended Credit Score
Limited / Poor / FairHighlights
- Earn 1% cash back rewards on payments made to your First Digital Credit Card
- Checking Account Required
- $300 credit limit (subject to available credit)
- 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.
- *See Rates, Fees, Costs & Limitations for complete offer details
- See Cash Back Rewards Programs Terms & Conditions for details
Additional Info
Foreign Transaction Fee
N/A
Balance Transfer Fee
N/A
Expert Review
Editor's Overall Rating
Our editors rate credit cards objectively based on the features the credit card offers consumers, the fees and interest rates, and how a credit card compares with other cards in its category. The ratings are the expert opinion of our editors, and not influenced by any remuneration this site receives from card issuers.
From the LendingTree editorial team, updated on Mar 12, 2025
We don't have a review for this card yet, but sit tight! There's one coming soon.
The Good
- The First Digital Mastercard® offers a chance to access credit and potentially improve credit scores by reporting monthly payments to the three major credit bureaus. Its relatively quick and easy application process is also a plus, providing an accessible route for those looking to rebuild their credit.
The Not So Good
- This card comes with an initial setup fee, annual fee, and monthly service fee after the first year, which can significantly increase the overall cost of having the card. Additionally, it has a high APR on purchases, making it expensive for cardholders who carry a balance.
The Bottom Line
The First Digital Mastercard® could be a stepping stone for those desperately seeking to rebuild credit and who might find themselves with limited options due to their credit history.
Editorial Note: This content is not provided by First Digital. Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by First Digital.
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on Bank of America's secure site
Sign-Up Bonus
25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases
Flexible Redemption
Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants including takeout.
Rewards Rate
1.5 points per $1 spent on all purchases. 3 points per $1 spent on travel purchases booked through the Bank of America Travel Center. 3 points per $1 spent on travel purchases booked through the Bank of America Travel Center.
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0% Intro APR
0% Intro APR for 15 months on purchases and balance transfers, then 18.24% - 27.24% Variable APR
Rewards Rate
5% cash back at different places each quarter up to the quarterly maximum when you activate. 1% unlimited cash back on all other purchases - automatically
Welcome Offer
Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
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Intro APR
0% Intro APR for 6 months on purchases and 0% Intro APR for 18 months on balance transfers, then 18.24% - 27.24% Variable APR
Rewards Rate
2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. 1% unlimited cash back on all other purchases - automatically
Ongoing APR
18.24% - 27.24% Variable APR
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