First Savings Credit Card: Login, Application & 5 Similar Cards (Feb. 2024)

If you have a poor credit history, you may have received an invitation in the mail to apply for the First Savings Credit Card by 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. Consumers who have made some credit mistakes in the past can use these types of cards as a component to help rebuild their credit and hopefully move from subprime to prime territory.

Below we will take you through the ins-and-outs of the First Savings Credit Card. We’ll also explore several other credit cards created with consumers in mind who have less-than-stellar credit. Some of these options may prove to be a better fit for you, depending on your unique financial situation.

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

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:

• Log In to Existing Account
• Forgotten Password Recovery

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.

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:

Milestone® Mastercard®

at Milestone Mastercard®'ssecure website

BAD CREDIT RATING

★★★★★

4.9

OVERALL RATING

3.8/5.0

Our Review »

• Greater access to credit than before - $700 credit limit
• Get a Mastercard accepted online, in store and in app
• Account history is reported to the three major credit bureaus in the U.S.
• $0 liability* for unauthorized use
• Access your account online or from your mobile device 24/7
• *Fraud protection provided by Mastercard Zero Liability Protection. If approved, you'll receive the Mastercard Guide to Benefits that details the complete terms with your card.

• See application, terms and details.

Intro (Purchases)	Intro (Transfers)	Regular APR	Annual Fee	Credit Needed
N/A	N/A	See terms	See terms	Fair/Good

PREMIER Bankcard® Mastercard® Credit Card

at PREMIER Bankcard®'ssecure website

BAD CREDIT RATING

★★★★★

4.9

OVERALL RATING

3.0/5.0

Our Review »

• PREMIER Bankcard credit cards are for building credit.
• Start building credit by keeping your balance low and paying all your bills on time each month.
• When you need assistance our award-winning US-based Customer Service agents are there to help.
• Credit Limit Increase Eligible after 12 months of consistent responsible account management.
• We report monthly to the Consumer Reporting Agencies to help you build your credit.

• See application, terms and details.

Intro (Purchases)	Intro (Transfers)	Regular APR	Annual Fee	Credit Needed
N/A	N/A	See Provider Website	See Provider Website	Fair/Poor

Secured Chime Credit Builder Visa® Credit Card

at the issuer'ssecure website

BAD CREDIT RATING

★★★★★

4.8

OVERALL RATING

4.5/5.0

• No credit check to apply
• Adjustable credit limit based on what you transfer from your Chime Checking account to the secured deposit account
• No interest* or annual fees
• Chime Checking Account and qualifying direct deposit of $200 or more required to apply. See official application, terms, and details link below.
• The secured Chime Credit Builder Visa^® Card is issued by The Bankcorp Bank, N.A. or Stride Bank, N.A., Members FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted.
• *Out-of-network ATM withdrawal and OTC advance fees may apply. View The Bancorp agreement or Stride agreement for details; see back of card for issuer.

• See application, terms and details.

Intro (Purchases)	Intro (Transfers)	Regular APR	Annual Fee	Credit Needed
N/A	N/A	N/A	$0	None

Brink’s Armored™ Account

at Netspend'ssecure website

BAD CREDIT RATING

★★★★★

4.8

OVERALL RATING

4.1/5.0

Our Review »

• Brink’s knows Security! 24/7 access to a suite of security benefits to help keep your account armored.
• Get access to over 100,000 Brink’s Money ATMs.
• Get paid faster than a paper check with direct deposit.
• Add funds to your Brink’s Armored Account and use Brinks Armored debit card anywhere Debit Mastercard is accepted.
• Account opening is subject to registration and ID verification. Terms & fees Apply. Deposit Account is established by Pathward®, N.A., Member FDIC.

• See application, terms and details.

Intro (Purchases)	Intro (Transfers)	Regular APR	Annual Fee	Credit Needed
N/A	N/A	N/A	Variable Monthly Fees	Not applicable

Discover it® Secured Credit Card

at Discover Card'ssecure website

BAD CREDIT RATING

★★★★★

4.7

OVERALL RATING

4.0/5.0

Our Review »

• No credit score required to apply.
• No Annual Fee, earn cash back, and build your credit history.
• Your secured credit card requires a refundable security deposit, and your credit line will equal your deposit amount, starting at $200. Bank information must be provided when submitting your deposit.
• Automatic reviews starting at 7 months to see if we can transition you to an unsecured line of credit and return your deposit.
• Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus earn unlimited 1% cash back on all other purchases.
• Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
• Get an alert if we find your Social Security number on any of thousands of Dark Web sites. Activate for free.
• Terms and conditions apply.

• See application, terms and details.

See Rates & Fees

Intro (Purchases)	Intro (Transfers)	Regular APR	Annual Fee	Credit Needed
N/A	10.99% Intro APR for 6 months	28.24% Variable APR	$0	New/Rebuilding

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.