The Ultimate Guide to Credit Cards
Monday, June 16, 2025

First Savings Credit Card: Login, Application & 5 Similar Cards (2022)

First Savings Credit Card
Toby Sembower

Writer: Toby Sembower

Toby Sembower

Toby Sembower, Founder

Toby is the founder of CardRates.com and lends his 20 years of experience in the credit card industry to educate consumers. His commentary and reviews have been featured to millions on Yahoo! Finance, CreditCards.com, Entrepreneur.com, and others. Toby's industry connections enable him to keep audiences informed with timely advice and insight.

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Lillian Guevara-Castro

Editor: Lillian Guevara-Castro

Lillian Guevara-Castro

Lillian Guevara-Castro, Senior Editor

Lillian Guevara-Castro brings more than 30 years of editing and journalism experience to the CardRates team. She has worked at The Atlanta Journal and Constitution, Gwinnett Daily News, Gainesville Sun, and The New York Times, where she covered demographics, consumer issues, and the business and financial sectors. Lillian has a degree in journalism and communications from Georgia State University and brings her fact-checking expertise to ensure Digital Brands content is accurate and engaging.

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Ashley Fricker

Reviewer: Ashley Fricker

Ashley Fricker

Ashley Fricker, Senior Editor

Ashley Fricker has more than a decade of experience as a finance contributor and editor, and has specialized in the credit card industry since 2015. Her credit card commentary is featured on national media outlets that include CNBC, MarketWatch, Investopedia, and Reader's Digest, among many others. She has worked closely with the world’s largest banks and financial institutions, up-and-coming fintech companies, and press and news outlets to curate comprehensive content and media. Ashley holds a bachelor's degree in multimedia journalism from Florida Atlantic University.

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Disclosure: When you apply through links on our site, we may earn a referral fee from our partners. For more, see our ad disclosure and review policy.

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

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:

PREMIER Bankcard® Mastercard® Credit Card Review

at PREMIER Bankcard®'ssecure website

BAD CREDIT RATING

★★★★★
4.9

OVERALL RATING

3.0/5.0
  • 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.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
See Provider Website
See Provider Website
Fair/Poor
Secured Self Visa® Credit Card Review

at the issuer'ssecure website

BAD CREDIT RATING

★★★★★
4.9

OVERALL RATING

4.2/5.0
  • The Secured Self Visa® Credit Card* requires no credit check or minimum score.
  • Reports to all 3 major credit bureaus to establish and build credit, with free access to your credit score.
  • Secure your credit line with a refundable security deposit as low as $100.**
  • Add to your mobile wallet and make purchases using Apple Pay, Samsung Pay, and Google Pay.
  • *The secured Self Visa® Credit Card is issued by Lead Bank, Sunrise Bank, N.A., or First Century Bank, N.A., each Member FDIC.
  • **Qualification for the secured Self Visa® Credit Card is based on meeting eligibility requirements, including income and expense requirements and establishment of security interest. Criteria subject to change.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
Variable APR of 28.24%
$0 annual fee for the first year only, $25 annual fee thereafter
None, Limited, Poor, Fair
Brink’s Armored™ Account Review

at Netspend'ssecure website

BAD CREDIT RATING

★★★★★
4.9

OVERALL RATING

4.1/5.0
  • 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.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
N/A
Variable Monthly Fees
Not applicable
Milestone® Mastercard® - $1,000 Credit Limit Review

at Milestone Mastercard®'ssecure website

BAD CREDIT RATING

★★★★★
4.8

OVERALL RATING

3.5/5.0
  • Guaranteed $1,000 credit limit if approved.
  • Apply with Confidence! There is no impact to your credit score if you’re not approved. See terms.
  • Don't Have Perfect Credit? No Problem!
  • Join over a million consumers who are working on building their access to credit.
  • Zero Fraud Liability - Peace of mind that comes with having a Mastercard.
  • Get the credit you deserve, even with less-than-perfect history.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
35.90%
$250 the first year; $99 thereafter
Fair

BAD CREDIT RATING

★★★★★
4.8

OVERALL RATING

4.5/5.0
  • Credit Builder is a secured credit card
  • Using Credit Builder can build your credit history
  • Limit risk of overspending by setting your own limit with money you move into the secured deposit account.
  • Chime Checking Account required to apply for the Credit Builder Card
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
N/A
No annual fees
Poor/Fair/Limited/Damaged

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.

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