The First Digital NextGen Mastercard® Credit Card is a good card that will people who have bad credit improve their credit. Because this card doesn’t require a security deposit, it may come with higher than average annual fees and APRs.
If you’re wondering whether First Digital NextGen Mastercard is the right card for you, continue reading below to learn about its fees and features.
First Digital NextGen Mastercard®
Credit Card Summary
| Bonus Available | No sign-up bonus available for this card |
| Balance Transfers Intro APR | N/A |
| Purchases Intro APR | N/A |
| Program Fee | See Terms* |
| Monthly Servicing Fee | See Terms* |
| Transaction Fees | See Terms* |
| Regular APR | See Terms* |
| Cash Advance APR | See Terms* |
| Credit Needed | Fair/Limited |
| Annual Fee | See Terms* |
Recommended Free Credit (Get Score)
PROS
- Considers applicants with fair or poor credit
- An unsecured credit card
- Reports to all three credit bureaus
CONS
- Does not offer a signup bonus.
- No rewards or cash back
- High fees – application, annual, interest rate
- Does not include many credit card rewards.
Card Highlights
- 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 up your Credit 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
- You may be eligible for a Credit Line Increase after six months
- Easy and secure online application – it just takes moments to apply
- Checking account required.
- If approved, just pay the one-time Program Fee to gain access to your new account and credit line (subject to available
credit) - Receive your card more quickly with optional Expedited Processing (additional fee applies)
- Get a result in as little as 60 seconds upon completion of the online application
- Online Customer Center available 24/7
- Issued by Synovus Bank, Member: FDIC
First Digital NextGen Mastercard®
Credit Card Fees
The First Digital NextGen Platinum Mastercard® Credit Card is an unsecured card, as a cardholder you will be paying a lot of unusual fees with this. Pay off those small purchases on time and in full each month, and your credit should start to rise.
Make sure that you pay your balance in full each month, which will also help to improve your credit. You can avoid these fees, see table above, based on which services you use. However, many credit cards don’t charge these fees at all.
The drawbacks of this card is that you won’t be able to use it while your traveling outside the U.S. or purchases in a foreign currency, as well as not being able to use the card at an automated fuel pump.
First Digital NextGen Mastercard®
Credit Card Features
- Manageable monthly payments
- Reports to all three major credit bureaus
- Accepted by merchants across the USA and online
- Checking account required
Who should apply for this card?
This card is a good option for those looking for a credit card and have poor or no credit. This card regularly reports to all three credit bureaus and with responsible credit usage and on-time payments, you could help your credit the number you want.
If you’re looking for a lower annual fee and are interested in using a card while traveling then you should look for another credit card that may offer you these perks.
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Bottom Line
The First Digital NextGen Mastercard® Credit Card is best for those who want approval without a perfect credit. Please note that, in order to show your financially responsible, make sure that you are making regular on-time payments for this card, so it can help improve your credit. For more credit cards options, see our latest list of other best credit card bonuses!
(Visit the link above to sign up at DigitalCreditNow.com)
The editorial content on this page is not provided by any of the companies mentioned, and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are author’s alone.
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