Credit Cards

First Digital NextGen credit card full review

Are you looking for an unsecured card that does not require a perfect credit score? So, take a look at the First Digital NextGen credit card full review.

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by Aline Augusto

Published on 01/22/2022

First Digital NextGen credit card

Check out the full review on the First Digital NextGen credit card! Source: First Digital.
Check out the full review on the First Digital NextGen credit card! Source: First Digital.

If you are a little older, you will remember that no one with no credit history or a poor credit score would get the opportunity to hold a credit card. Well, things have changed and got evolved, so take a look at the First Digital NextGen credit card, an unsecured card that does not require a perfect credit score for the application.

Thus, keep reading to check out this card’s full review we’ve made for you!

Credit ScoreLimited 
Annual Fee$75.00 in the first year. $48.00 after that.
Regular APR35.99% 
Welcome bonusNone 
RewardsNone
First Digital NextGen credit card

How to apply for First Digital NextGen card?

You can apply for the First Digital NextGen credit card even though not proving an excellent credit score. See how to apply for it!

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How does the First Digital NextGen credit card work?

The First Digital NextGen is an unsecured card that does not require an excellent score. Source: Pexels.
The First Digital NextGen is an unsecured card that does not require an excellent score. Source: Pexels.

The First Digital NextGen credit card does not require a perfect credit history and offers you a chance to build a credit score. 

And this task might be easy because the card is a Mastercard, which means a global payment network that monthly reports to all three major Credit Bureaus. 

Also, it charges an annual fee that decreases after the first year. 

First Digital NextGen card benefits

The good thing about the First Digital NextGen card is that it doesn’t require a secured deposit either a perfect credit score for the application. But that also means cardholders won’t get a high credit limit. The initial credit limit is $300.

In addition, there is an annual fee of $75.00 in the first year. On the other hand, it decreases to $48.00 after that. 

Also, note that the regular APR is high, so keep that in mind before applying for it since you better be sure that you will pay off the balance. 

Moreover, it is not recommended to use the card to shop in foreign currency, as the transaction fee is high.

Furthermore, the First Digital NextGen credit card does not offer you any reward program or perks, as well. 

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Pros

  • It doesn’t require a perfect credit score, so it helps you build up your score
  • Unsecured credit card, so it doesn’t require a secured deposit
  • The annual fee that decreases after one year 
  • The fast and easy application process

Cons

  • Annual fee
  • High APR and foreign transaction fee
  • No rewards or perks

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How good does your credit score need to be?

You don’t need to prove a perfect credit score to be able to apply for it. So, it is a good chance for you to build up your score.

How to apply for a First Digital NextGen credit card?

Now that you know how the First Digital NextGen credit card works, you might be able to decide whether this card fits or not your needs.

So, if it does, take a look at the post below on how to apply for it. 

First Digital NextGen credit card

How to apply for First Digital NextGen card?

You can apply for the First Digital NextGen credit card even though not proving an excellent credit score. See how to apply for it!


About the author

Aline Augusto

My name is Aline Mesquita; I'm a writer here on the blog, where I write about finance in general and other subjects. I have been working with content creation for ten years. Also, I'm post-graduated in Project Management, with expertise in SEO practices. Currently, I am studying finance, market trends, and cryptocurrencies.

Reviewed by

Aline Barbosa

Senior Editor

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