Credit Cards

First Savings Credit Card review: rates, pros and cons

Learn everything about the First Savings Credit Card. How does it work? Is it a good idea for me? Check out the list of pros and cons.

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First Savings Credit Card: Qualify with bad credit and raise your limit in 6 months

First Savings Credit Card
Read the First Savings Credit Card full review! Source: The Insider Advisor

Looking for a credit card to help establish credit? So the First Savings Credit Card is a fantastic way to get started! 

First Savings Logo

Check how to apply for the First Savings Card

Want to raise your credit and avoid hidden fees and penalty APR? Then learn how to apply for the First Savings Credit Card today!

In this post, we’ll take a look at some of the rates, pros, and cons of this card to help you decide. Keep reading to learn more! 

Credit ScoreLow or poor
Annual FeeSee credit card terms.
Regular APR15.65% – 29.99% (Variable)
Welcome bonusN/A
RewardsN/A

All you need to know about the First Savings Credit Card

The First Savings Credit Card is an unsecured card that will help you build your credit history. And has no hidden fees or penalty APR.

It charges a variable annual fee. And the APR rates range from 15.65% to 29.99%. In both cases, it will depend on your creditworthiness. 

This credit card reports your payments to the major credit bureaus: Equifax, TransUnion, and Experian. It also offers MasterCard® SecureCode, and in case your card is stolen or lost, you have access to Fraud Coverage. 

First, you must receive an offer in the mail to apply for this credit card. Therefore, the credit card doesn’t offer much information about its features on its website.

First Savings Credit Card details

Happy woman using credit card for online banking at night at hom
Learn the details of this credit card! Source: Freepik

This credit card might be a good option if you have no credit history and want to rebuild it. But some issues might be considered. Let’s take a closer look at the card’s details.

Advantages

  • Pay no foreign transaction fee;
  • Apply with bad or no credit at all;
  • Offers fraud coverage for lost or stolen cards;
  • It does not require a security deposit;
  • Raise your credit limit in six months;
  • Manage your account and make payments online.

Disadvantages

  • Potentially high APR rates;
  • Charges annual fee.
  • You can only apply with an invitation;
  • Offers no rewards or bonuses.

What is the credit score necessary to apply?

You can apply for this credit card with a low or poor credit score. And since it reports your payments to major bureaus, soon you’ll get to establish better credit. 

Learn how to get the First Savings Credit Card

Before applying for this credit card, you must receive an invitation in your email! But if you want to learn more details about the application process, read the article below. We’ll tell you everything you need to know!

First Savings Logo

Check how to apply for the First Savings Card

Want to raise your credit and avoid hidden fees and penalty APR? Then learn how to apply for the First Savings Credit Card today!

About the author  /  Beatriz Vieira

Beatriz Vieira is a producer and copywriter who is part of the finance writer team in this portal. She has a degree in Journalism and aims to improve her bilingual writing skills. Her subjects of most significant interest are culture, finances, and self-development.

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