First Digital Card
1% cash back on all payments, fast approval, and no perfect credit required. Get started with a $95 program fee. Manage your account with an easy-to-use app.
The First Digital Card is designed for those who may not have perfect credit but want the benefits of a real credit card. It offers 1% cash back on all payments, rewarding users each time they pay. The $95 program fee is required to open the account, and you can choose from Visa or Mastercard options. While specific interest rates aren’t disclosed until after approval, the card emphasizes accessibility for a wider range of credit histories, including those rebuilding credit.
Applying is straightforward with just four steps. Once you select your card type and provide your personal details, you’ll review the terms, receive a decision rapidly, and pay the one-time fee if approved. The application process requires basic information such as name, address, and phone number, with an option to enhance your application by connecting your checking account.
How To Apply for First Digital Card
1. Begin the application online by selecting either Visa or Mastercard and filling in your required personal information.
2. Continue the process and review the terms and conditions the card issuer provides.
3. Submit your details to receive a near-instant decision on approval status.
4. If approved, pay the $95 program fee to activate and receive your First Digital Card.
Pros of First Digital Card
This card is available to applicants with less-than-perfect credit, making it a realistic option for many hoping to build or repair their score. Additionally, earning 1% cash back on all payments provides ongoing value for responsible use. Monthly reporting to major credit bureaus supports credit-building efforts.
Cons of First Digital Card
There is a $95 program fee required upfront before you can begin using your card, which may be a drawback for those seeking a no-fee option. Additionally, interest rates and detailed fee structures aren’t disclosed before approval, so applicants should carefully review the terms before committing.
Our Verdict
The First Digital Card delivers a straightforward way to access real credit with rewards—even for applicants without stellar credit histories. While the $95 fee is something to consider, people looking to rebuild credit and earn rewards can find value here. For those who prefer clarity on all fees and rates beforehand, reading the terms closely is advised. Overall, it’s a solid entry-level credit card for consumers focused on rebuilding their credit profile.
