Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
35.99%(Verified 06/21/2024)
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Balance Transfer APR (Variable APR)
N/A(Verified 08/08/2023)
Credit Score Range
600 - 850
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Annual Fee
$48 - $75
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First Digital Mastercard® Review
This is a cashback credit card issued by Synovus Bank. If you're wondering whether First Digital Mastercard® is the right card for you, read on.
Key Takeaways
- APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR of 35.99%
- Poor credit accepted. This card will consider people who have poor credit.
Pros & Cons of First Digital Mastercard®
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First Digital Mastercard® FAQ
Does First Digital Mastercard® have a cash back or rewards program?
This is a cashback card. This means you earn a percentage of your purchases as cash back rewards.
| Description |
Does First Digital Mastercard® have a signup bonus?
This card doesn't offer a cash signup bonus.Does First Digital Mastercard® offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the relevant APRs for First Digital Mastercard®?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has higher than average regular APRs.First Digital Mastercard® has a variable purchase APR of 35.99%. First Digital Mastercard® does not offer balance transfers.
Does First Digital Mastercard® have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers. First Digital Mastercard® does not offer balance transfers.Does First Digital Mastercard® have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for First Digital Mastercard®?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | $41 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $48 - $75 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Additional Card Fee Amount | $29 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | $41 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Initial Program Fee | $95 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card charges an annual fee ranging from $48 up to $75.
There is a late fee of up to $41 . What is the customer service phone number for First Digital Mastercard®?
The customer service number for First Digital Mastercard® is (888) 796-6887.
What is the support contact email for First Digital Mastercard®?
The support contact email for First Digital Mastercard® is info@firstlatitude.com.
What is the login page for First Digital Mastercard®?
You can access the login page of First Digital Mastercard® here.
How do people rate the customer service and user experience of First Digital Mastercard®?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does First Digital Mastercard® report your account activity to credit bureaus?
Yes, First Digital Mastercard® reports to the following credit bureaus:
- Equifax
- Experian
- TransUnion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.
Does Synovus Bank perform a hard credit pull?
Yes, First Digital Mastercard® performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for First Digital Mastercard®
- Visit the website of First Digital Mastercard®.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
First Digital Mastercard® Disclosure: See terms
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
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