The First Digital Mastercard® is an innovative credit card offering 1% cashback on all purchases, with no time limit or excluded categories.

It provides a variety of benefits, including online account management, a mobile app, fraud alerts, and an EMV chip.

However, it's important to weigh the pros and cons of the First Digital Mastercard® before applying.

1% Cashback on Everything: Receive 1% back on every purchase you make, without any limitations. Enjoy this standout feature highlighted in this review of the First Digital Mastercard®.

Online Account Management: Easily access and manage your finances online with the advanced technology provided by the First Digital Mastercard®.

Mobile App: Utilize the First Digital Card Mobile App to check your balance, make payments, and manage your First Digital Mastercard® on the go.

Fraud Alerts: Benefit from enhanced financial and digital security. Get fraud alerts to safeguard your transactions.

EMV Chip Security: The EMV chip provides an extra layer of protection against fraud, ensuring greater security for your First Digital Mastercard®.

Mastercard® Advantages: Access a range of Mastercard® benefits, including exclusive deals, purchase protection, and more.

21 Days Interest-Free on Purchases: Your payment due date is at least 21 days after the close of each billing cycle. This means you won't incur interest charges on purchases made with the First Digital Mastercard® as long as you pay your entire balance by the due date each month.

Low or No Credit Score Won't Be a Problem: The First Digital Mastercard® is designed for those who need to establish credit.

Monthly Reports to Credit Bureaus: Your usage and recent payment history will be reported to the major credit bureaus in the country. This detail makes all the difference in your credit-building journey.

Late Payment and Returned Payment Fees: Both fees exceed $40. Therefore, be mindful of your First Digital Mastercard® payment due date.

Your Credit Limit Pays Your Annual Fee: The annual fee will reduce the amount of credit initially available to you. This means your initial credit limit of $300 will be reduced to $225.

Annual Fee Is Not the Only Charge in the First Year: You'll pay a one-time fee of $95. This program fee grants you access to the First Digital Mastercard® system.

And the Extra Fees Don't Stop There: In the first year, you won't hear anything about a so-called "monthly maintenance fee". However, starting from the second year, you'll be charged $99 annually, which breaks down to $8.25 per month.

Cash Advance Transaction Fees: There's a charge of $10 or 3% of the cash advance amount, whichever is greater. This can represent a significant amount depending on the transaction.

The First Digital Mastercard® is an excellent choice for those seeking a straightforward cashback credit card with no restrictions. It offers 1% cashback on all purchases.

This is truly competitive with other cashback cards in the market. Additionally, it's important to note the absence of credit requirements when applying for the card.

Since you can build your credit while earning cashback, the First Digital Mastercard® is certainly a good option for you. However, be mindful of the fees and make timely payments to avoid excessive interest charges.

The First Digital Mastercard® from Synovus Bank is a great step towards building your credit with features like cash back and monthly reporting. For those curious about more credit options, the Milestone Mastercard® offers additional benefits worth considering.

Discover how it might suit your financial needs better by reading our detailed review of the Milestone Mastercard®.