First Digital NextGen Mastercard

First Digital NextGen Mastercard Review

This is a card issued by Synovus Bank. If you're wondering whether First Digital NextGen Mastercard is the right card for you, read on.

Key Takeaways

• High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR of 35.99%
• Poor credit accepted. This card will consider people who have bad credit. Even if you have poor credit, you may still have relatively good approval odds.

Pros & Cons of First Digital NextGen Mastercard

The Good	The Bad
Identity Theft Protection. Considers applicants with fair credit. First Digital NextGen Mastercard reports to multiple credit bureaus.	Higher than average purchase APRs. Charges an annual fee of up to $75. Does not offer a signup bonus. Does not offer rewards or cash back. You don't earn rewards on every purchase. Does not include many credit card benefits.

First Digital NextGen Mastercard FAQ

Does First Digital NextGen Mastercard have a cash back or rewards program?

No, it does not offer a rewards program.

What are the First Digital NextGen Mastercard benefits?

It provides the following benefits:

• Zero fraud liability
• Reports to major credit bureaus

What are the relevant APRs for First Digital NextGen Mastercard?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has higher than average regular APRs.

First Digital NextGen Mastercard has a variable purchase APR of 35.99%. It also has a variable cash advance APR of 35.99% .

What are the fees for First Digital NextGen Mastercard?

The following fees apply:

First Digital NextGen Mastercard Fees

Fees	Amount
Annual Fee	Starting at $48 up to $75 (Annual fees vary by year)
Returned Payment Fee	up to $41
Late Payment Fee	up to $41

Does First Digital NextGen Mastercard report your account activity to credit bureaus?

Yes, First Digital NextGen Mastercard reports your account activity to the following credit reporting agencies:

• 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 improve your credit.

How to apply for First Digital NextGen Mastercard

• Visit the First Digital NextGen Mastercard website.
• 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.