The Deserve Digital First is a personal credit card from Deserve Digital First. The annual fee is $0 — no annual fee. The ongoing APR is ~19.99% – 29.99% variable. Approval typically requires a credit score of Fair (580+) or higher. Rewards: Tiered cash back (up to 1.5%). Cash back: 1%–1.5% cash back (tiered). Typical credit limit: $6K–$8K. This product reports activity to your personal credit report. Foreign Txn Fee: $0. Pre-qualification available (soft pull). BT Fee: Not available. Post-intro APR: ~19.99% – 29.99% variable