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.
Not only that this card reports your monthly activity to all the three major credit bureaus, so if you’re regular on-time payments, you can easily help improve your credit. 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* |
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® 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® 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 for people who have poor or no credit that are interested on a credit card, but can’t do so because of bad 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.
Look elsewhere if you’re someone who wants lower fees and who wants to use a credit card for traveling.
Author’s Verdict
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.
Make sure to also visit BankDealGuy to explore more credit card bonuses. If you’re indecisive of which card best suits you, see our post on the Best Credit Card Categories!
(Visit the link above to sign up at DigitalCreditNow.com)
| PROMOTIONAL LINK | OFFER | REVIEW |
| HSBC Premier Checking Member FDIC | Up to $2,500 Cash | Review |
| Chase Private Client | $3,000 Cash | Review |
| U.S. Bank Business Checking | $900 Cash | Review |
| U.S. Bank Business Checking | $400 Cash | Review |
| Chase Business Complete Checking® | $300 Cash | Review |
| KeyBank Key Smart Checking® | $300 Cash | Review |
| Chase Total Checking® | $300 Cash | Review |
| Chase College CheckingSM | $100 Cash | Review |
| J.P. Morgan Self-Directed Investing | Up to $700 Cash | Review |
| Chase Secure BankingSM | $100 Cash | Review |
| SoFi Checking and Savings Account | $325 Cash | Review |
| Huntington Bank Unlimited Plus Business Checking | $1,000 Cash | Review |
| Huntington Bank Unlimited Business Checking | $400 Cash | Review |
| Huntington Bank Business Checking 100 | $100 Cash | Review |
| Fifth Third Bank Checking | $400 Cash | Review |
| Axos Basic Business Checking | $400 Cash | Review |
| Axos Business Interest Checking | $400 Cash | Review |
| Axos Bank Business Premium Savings | $375 Cash | Review |
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.
Leave a Reply