First Direct Credit Card 2026 Review

Mika L.
Written by Mika L.
Financial Content Writer
Mat C.
Edited by Mat C.
Managing Editor & Senior Developer

First Direct Credit Card4.6/5

First Direct

Annual fee
N/A
Rewards rate
0%-0%
Welcome Bonus
First Direct doesn't offer a traditional cashback or travel points system on their credit cards. Instead, cardholders gain access to first direct perks.
Apply Now →on First Direct's website
Regular APR:24.9% Variable APR

  • No rewards breakdown available

Welcome Bonus:

First Direct doesn't offer a traditional cashback or travel points system on their credit cards. Instead, cardholders gain access to first direct perks.

Reward Rate:

Access to first direct perks providing discounts at restaurants, cinemas, and travel brands.

APR:

24.9% Variable APR

What sets the First Direct Credit Card apart is its unique loyalty program that offers discounts at popular restaurants and travel brands, rather than traditional cashback or points. This card is particularly appealing for those who value exclusive offers over standard rewards.

Pros:

  • Access to exclusive discounts through first direct perks
  • No annual fees

Cons:

  • No traditional cashback or travel rewards
  • Limited to perks for current account holders
Apply now →

The First Direct Credit Card may be suitable for consumers who prioritize access to exclusive discounts at restaurants and travel brands over traditional rewards like cashback or points. With no annual fee and a focus on loyalty benefits, it could be a good option for those who frequently take advantage of these offers.

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