The First Savings Credit Card is an unsecured credit card that can be a good option for individuals with limited or blemished credit history!

First Savings Credit Card, qualify and start rebuilding it!


Want to build credit but don’t know how to start? Well, meet the First Savings Credit Card! Learn how to apply and increase your chances of achieving a healthier financial life!


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If you're credit-challenged and determined to build, First Savings Credit Card offers a path with its reporting and security features. Great perk for a starting credit card, isn’t it? You’ll also get MasterCard® SecureCode and Fraud Coverage. See what else the First Savings Card offers!

No foreign transaction fee!
Raise your limit within six months!
Online payments and account management!
Pay no security deposit to start!

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First Savings Credit Card: Building Credit with a Catch (or Two)

The First Savings Credit Card aims to unlock the credit history door for those with limited or blemished past. But before you dive in, let’s take a clear-eyed look:

Building blocks:

  • No credit? No problem: Apply even with bad or no credit – a chance to build your score. MasterCard® will review your credit history and other information to determine your eligibility for the card.
  • Credit bureau reporting: Regular payments reported to Equifax, TransUnion, and Experian can boost your credit history.
  • Security features: MasterCard® SecureCode and fraud coverage offer peace of mind.
  • Convenience: Manage your account and make payments online.

Potentially bumpy road:

  • Uncertain fees: Expect a variable annual fee, and your APR could range from 15.65% to 29.99%, depending on your creditworthiness.
  • Invitation-only: Can’t just apply – you need an offer in the mail.
  • No rewards or bonuses: Don’t expect cashback or perks with this card.
  • Foreign transaction fees: Free from overseas charges, unlike some other starter cards.
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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!

MasterCard® SecureCode is a security feature that helps protect you from fraud. When you use MasterCard® SecureCode, you will be prompted to enter a one-time code from your mobile device to authorize your purchase.

The First Savings Credit Card reports your payments to the major credit bureaus, which can help you build your credit history. When you make on-time payments, your credit score will go up.

The First Savings Credit Card charges a variable annual fee of $39-$99, depending on your creditworthiness.

The APR rates on the First Savings Credit Card range from 15.65% to 29.99%, depending on your creditworthiness.

You can only apply for the First Savings Credit Card if you receive an offer in the mail.

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