The First Digital NextGen Mastercard® Credit Card is designed for rebuilding bad credit or improving limited credit and help people get in track towards a more financial responsible behavior.
It’s an unsecured credit card, so you don’t have to worry about paying a security deposit, but there are drawbacks with this card like its higher than average annual fees and APRs.
If you’re wondering whether this credit card 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)
350-850 (Poor – Excellent)
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 NexGen Mastercard® Fees
Because First Digital NextGen Platinum Mastercard® Credit Card is an unsecured card; there will be unusual fees that also come with it. Fees might include an account program fee for opening the account, a first-year annual fee, and a monthly servicing fee, you can check out the rest on the table above.
You can avoid these fees based on which services you use. However, many credit cards don’t charge these fees at all. Make sure that you pay off those small purchases on time and in full each month, and your credit should start to rise.
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?
The First Digital NextGen Platinum Mastercard® Credit Card is good for those who are looking for a credit redemption. People who want a fast application process with a response provided in seconds. People who want reporting to all three credit bureaus.
However, 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.
Conclusion
You won’t need perfect credit to apply for the First Digital NextGen Platinum Mastercard® Credit Card, but you will need a checking account, and if you’re accepted you’ll have to pay a hefty program fee along with a monthly fee, maintenance fee, and annual fee.
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