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

By: Toby Sembower • 5/24/2018

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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 (

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:

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.

Editorial Note: Opinions expressed here are the author's alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

About the Author

Toby Sembower

Toby has served as a credit-card industry analyst and financial editor since 2003, bringing an extensive background and knowledge base to the team. He specializes in helping consumers find the best deals possible for their credit card needs, as well as creating tools and content that help users get the most out of their cards. He holds a Bachelor of Science degree from University of Florida and is the founder of Digital Brands Inc.