Yes. The First Digital Mastercard® Credit Card is a legitimate product. The card is issued by Synovus Bank, Member FDIC, that has an A+ rating at the Better Business Bureau. The First Digital Mastercard® Credit Card has a Mastercard coverage and reports all account activity to the three major credit bureaus in the U.S.

If you want to own this card, you’ll have to pay for a one-time activation fee of $95. Its annual fee is $75 during the first year of membership, and then $48 thereafter. During the first year, you won’t have to pay for monthly maintenances, but a fee of $6.25 is charged from the second year forward.

Yes. While this is an easier card to get than most of its competitors, you cannot try for pre-qualification, and Synovus Bank performs a hard pull on all new applications. That can cause your credit score to drop between 5 or 10 points, but responsible use and on-time payments should restore those points within a couple of months.