- Get the security and convenience of a full-feature, unsecured Mastercard -accepted at millions of merchant and ATM locations worldwide and online.
- You may be eligible for a Credit Line Increase after 12 months.
- Build up your credit history with a card that reports to all three major credit bureaus every month.
- Bad credit application accepted
- Online Customer Center available 24 x 7.
- Application results in 60 seconds.
- Issued by Synovus Bank, Member: FDIC
2.5 / 5.0 (16 votes)
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Information - Rates - Fees

Intro APR:
Intro Period:
See Terms*
Annual Fee:
See Terms*
Card Network:
Card Category:
Consumer (Regular)
Card Type:
Building Credit
Card for Bad Credit
Digital Card
Credit Needed:
Bad Credit OK*
Grace Period:
23 days*
Min Finance Charge:
Late Payment Fee:

Balance Transfers

Balance Transfer:

Cash Advances

APR on Cash Advances (%):

Other Fees

Additional Fees
Return Check Fee: Up to $40.00
Activation Fee: $95.00 (one-time fee)
Monthly Servicing Fee: None for the first year (introductory). After that, $75.00 annually ($6.25 per month).
Additional Card Fee: $29.00 annually (if applicable).


Checking account required.

CreditCardsLab is compensated by featured partners, but editorial opinions are our own.


Most attractive:
- Response in as little as 60 seconds
- Easy & Fast application
- No Perfect credit needed
- FDIC Insured
Least attractive:
- Monthly Servicing Fee
- Annual Fee
- Application Fee
- No rewards

Rewards & Benefits

Online Access:
Credit Reporting:

*The information provided for First Digital NextGen Mastercard® is believed to be accurate at the time of evaluation (Nov 30, 2022). We strongly advise visitors to review the fees, terms and conditions to verify accuracy of the information posted prior to applying for the product.

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