With this card, you have fraud coverage in case you lose your card, and it allows you to pay your bill and manage your account online. Learn more in this First Savings Credit Card review.

The First Savings Credit Card does not require a security deposit and it offers you the opportunity to increase your credit limit in as little as six months.

But beware, because this card has a high APR, a potentially high annual fee, and you can only apply if you have an invitation.

One of the things that makes the First Savings Credit Card a rather peculiar card is the fact that its annual fee and APR is dependent on how creditworthy the applicant is.

The annual fee ranges from $0 to $75, and the APR can be anywhere between 15.65% and 29.99%.

The issuer does not make it clear how it decides on these factors, but we can presume the lower your credit score, the higher APR and annual fee you will pay.

Strangely enough, this card does not have an application section on its website. That is because in order to apply you must receive an invitation by mail or email.

Only then will you be able to fill out the online application form.

First Savings is a company that aims at customers with a poor credit score, although it does not specify a minimum credit score for qualification. 

The issuer offers an app through which you can easily manage your account.

There you can view your account balance, statements, make payments, enroll in autopay and edit your account information.

You can pay your credit card bill through a variety of methods, including using your online account to pay through the services portal.

You can even mail your payments to First Savings Credit Card at P.O. Box 2509, Omaha, NE 68103-2509.

Now that you understand the details of this card, how about a comparison between its pros and cons? Our First Savings Credit Card review would not be complete without it.

So check out the list of benefits and disadvantages we have prepared for you below.

The issuer of the First Savings Credit Card does not specify a minimum credit score they require from applicants.

However, as we have mentioned, this is a card especially designed for individuals with poor credit, so a good credit score is not necessary.

If you like what you have read in this First Savings Credit Card review, you might want to take the next steps and apply for it.

If that is the case, then hit the link below and we are going to show you how to do it.