first direct Credit Card
first direct · Reward Points · Reward Points
This comprehensive guide covers the first direct Credit Card's reward rates, fees, and terms — updated regularly from official sources — to help you decide if this card fits your spending. The first direct Credit Card from first direct offers reward points rewards redeemable as reward points. This card has no annual fee.
Best for: General Online, Electronics Accessories, Grocery, Dining
Official product page → Official rules →
Annual fee: £0
Waiver: No annual fee
Waiver: No annual fee
Reward Rules
- 1 pts/$100 1x point per £1 spent
Important Notes
- No foreign transaction fees
- No rewards tiers or category bonuses
How to Apply
- Apply online: Official application page →
- Credit score: Most rewards cards require good to excellent credit (typically 670+ FICO).
- Issuer rules: Some issuers restrict approvals (e.g. Chase 5/24). Verify current eligibility before applying.
first direct Credit Card vs Similar Cards
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Maximize Your Rewards
To earn the highest rewards, use the first direct Credit Card for its bonus categories: General Online, Electronics Accessories, Grocery, Dining, Travel.