First Digital NextGen Mastercard®: Fast Approval for Credit Builders

First Digital NextGen Mastercard® offers a speedy decision, avoids a hard credit inquiry, and lays out clear program costs so you can focus on rebuilding credit with predictable payments.

Treat it as a bridge to stronger offers: establish positive payment history, manage the account from your phone, and plan a future graduation into rewards cards once scores improve.

Skip the Hard Pull, Keep the Speed

Applications rely on your banking profile instead of a hard credit inquiry, so you get an almost instant decision without a temporary score hit. Credit lines typically start small, making it easier to manage utilization while you rebuild.

Predictable Pricing You Can Budget

Expect a one-time $95 setup charge plus a published monthly program fee. Knowing the costs in advance helps you automate payments and avoid surprises that could stall progress.

Manage Everything from Your Phone

Schedule payments, track spending, and add the card to mobile wallets via the online dashboard. Real-time alerts flag unusual activity and keep utilization in check.

Build Credit, Then Graduate

Because the account reports to all major bureaus, on-time payments and low balances can steadily raise scores. Revisit your options after 6–12 months to secure lower fees or richer rewards once your profile improves.