First Digital Mastercard®

Mastercard No Annual Fee

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Credit Score

300 680

Damaged - Fair

Apply Now On Pinnacle Bank's secure website Terms apply. Approval is not guaranteed.

Annual Fee

See Terms*

Rewards Rate

Up to 10%

Foreign Fee

N/A

Purchase APR

N/A

Balance Transfer APR

N/A

Regular APR

35.99%*

Rates & fees apply. See issuer's website for full terms.

Editor's Take

CardCompareHub editorial

Editorial Note: This analysis reflects CardCompareHub's independent review. It has not been reviewed, approved, or endorsed by Pinnacle Bank.

First Digital Mastercard targets the poor/damaged/fair credit tier with up to 10% cash back at select merchants, a small return on payments, modest credit lines, a high APR, and a program fee at approval.

The upfront program fee on a small starting line means you're paying a meaningful share of your initial credit access just to open the account. That's an aggressive cost structure even by subprime standards. The cash-back program is similar to First Access — the top rate applies only at participating merchants, and the effective rate for most users is much lower. Reports to all three bureaus, which is the main credit-building utility. If you have any option to put a deposit down on the Capital One Platinum Secured instead, that's almost always a better starting point.

Card Details

Now offering credit lines up to $500! (See terms*)
A card that works as hard as you do – Earn Up to 10% cash back rewards on purchases, 1% on payments and build your credit along the way!^^¹
If approved, just pay your $95 Program Fee to access your available credit!
Build up your credit history with a card that reports to all three major credit bureaus every month: Experian, TransUnion, and Equifax.¹
*See Rates, Fees, Costs & Limitations for complete offer details
¹Cardholders who keep their balances low and pay their credit card bill on time every month typically do see an increase in their credit score.
^^1% cash back is earned on payments to your credit card. Up to 10% cash back is earned on qualifying purchases at select participating merchants. Offer percentages vary by merchant and are subject to change. See First Digital Cash Back Rewards Programs Terms & Conditions for details

Also in: Top Credit Cards 2026 No Annual Fee

First Digital Mastercard®

Ready to apply? Visit the issuer's secure site.

Apply Now On Pinnacle Bank's secure website Terms apply. Approval is not guaranteed.

Rates & fees apply. See issuer's website for full terms and conditions.