First Savings Credit Card (Login, Application, 5 Similar Cards)

First Savings Credit Card (Login, Application, 5 Similar Cards)

credit card advice

Toby Sembower
By: Toby Sembower
Posted: February 23, 2016
Opinions expressed here are ours alone, and are not provided, endorsed, or approved by any issuer. Site may be compensated through the issuer affiliate programs.

If you have a poor credit history, you may have received an invitation in the mail to apply for the First Savings MasterCard. Designed specifically for subprime applicants, this card has a fast-growing base of cardholders who lack the credit history to apply with prime issuers like Chase and Discover.

Below we will take you through the ins-and-outs of the card, including some credit card offers you may consider to be a much better deal than what the First Savings credit card is offering:

Account Login  |  Terms & Application  |  5 “Bad Credit” Alternatives

Account Login (FirstSavingsCC.com)

Existing cardholders can login easily to manage their First Savings account. Registering as a user enables cardholders to make payments online, schedule automatic payments, and view account summaries via the issuer’s Cardmember Services portal:

First Savings Terms & Application

The First Savings Credit Card offers the following terms, which are all subpar when compared to those of other cards for bad credit offered by more popular issuers:

  • APR: 29.99%
  • Credit Limit: $300.00
  • Annual fee: $75.00 (billed immediately)

Oddly, there is nowhere on the site to apply for the card as a new applicant. Instead, the bank’s site accepts applications only from those who have received a “Reservation Number” and “Access Code” through the mail. If you are a recipient of a mail invitation and would like to apply, visit the following link to enter your Reservation Number and Access Code.

5 Similar Cards (Bad Credit OK)

As mentioned above, the terms currently being offered by the First Savings card appear to be unfavorable relative to other options on the market. Below is a list of five offers that beat the First Savings card on APR, credit limit, annual fee, and/or rewards programs. Simply click the “Apply Now” button to apply online for your offer of choice:

Emporium Card Review

at the issuer'ssecure website

  • Up to $5,000 Spending Limit in Less than 60 Seconds! Shop from over 100,000 brand name products such as Apple, Samsung, Sony, Gucci, Prada and much more with low easy payments.
  • Less than Perfect Credit Accepted. Approval is quick and easy. Must be 18 years or older, have a valid checking account and a verifiable source of income.
  • Up To 12 Months Same As Cash
  • 50% Early Payoff Discount
  • No Hidden Fees
  • Return at any Time
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
See website for Details
N/A
Poor, Fair, Limited, or Damaged Credit

BAD CREDIT RATING

★★★★★
4.5

OVERALL RATING

4.0/5.0
  • No annual fee, and all the credit building benefits with responsible card use
  • Unlike a prepaid card, it builds credit when used responsibly, with regular reporting to the 3 major credit bureaus
  • You will get an initial $200 credit line after making a security deposit of $49, $99, or $200, determined based on your creditworthiness
  • Get access to a higher credit line after making your first 5 monthly payments on time with no additional deposit needed
  • Easily manage your account 24/7 with online access, by phone or using our mobile app
  • It’s a credit card accepted at millions of locations worldwide
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
24.99% (Variable)
$0
Limited, Bad Credit
Total Visa® Card Review

at the issuer'ssecure website

BAD CREDIT RATING

★★★★
4.3

OVERALL RATING

3.5/5.0
  • Checking Account Required
  • Fast and easy application process; response provided in seconds
  • A genuine VISA card accepted by merchants nationwide across the USA and online
  • Manageable monthly payments
  • If approved, simply pay a Processing Fee to open your account and access your available credit
  • Reports monthly to all three major credit bureaus
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
See Terms
See Terms
Fair, Bad Credit
Milestone® MasterCard® - Bad Credit Considered Review

at the issuer'ssecure website

BAD CREDIT RATING

★★★★
4.3

OVERALL RATING

3.9/5.0
  • Prequalify for a card today and it will not impact your credit score
  • Less than perfect credit is okay
  • Mobile account access at any time
  • Protection from fraud if your card is stolen
  • Account history is reported to the three major credit bureaus in the U.S.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
23.9%
$35 - $99
Bad, Poor Credit
Surge MasterCard® Review

at Celtic Bank'ssecure website

BAD CREDIT RATING

★★★★
4.2

OVERALL RATING

3.7/5.0
  • Monthly reporting to the three major credit bureaus
  • Initial credit limit of $500.00* (subject to available credit)
  • Fast and easy application process; results in seconds
  • Use your card at locations everywhere that MasterCard® is accepted
  • Free online account access 24/7
  • Checking account required
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
29.99%
$125 for the first year
Bad, Poor Credit

In Conclusion

First Savings Bank is making a valiant effort at providing the underserved subprime credit card market with an easy-to-obtain offer. But while its online interface is simple to use, its terms and application process unfortunately leave a lot to be desired.

We’d highly recommend reviewing other cards for poor credit and fair credit before proceeding with your First Savings application.