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Deserve Digital First Card™

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As of August 2021, the Deserve Digital First Card can only be used digitally, although Deserve plans to issue physical cards eventually. It offers an instant card number upon approval, after which you can add it to Google Pay or Apple Pay. It comes with cash back rates up to 1.5% after spending $1,000 per billing cycle and a selection of World Mastercard benefits.

Our rating
Min. credit level: Good
Annual Fee: $0
Regular APR: 14.99%–24.99% Variable

Deserve Digital First Card™

Our rating
Good Min. credit level
$0 Annual Fee
Apply Now

Highlights & Features


Spending Rewards
  • 1.5% cash back on all purchases after spending $1,000 per billing cycle
  • 1.25% cash back on all purchases after spending $500 per billing cycle
  • 1% cash back on all purchases otherwise

Balance Transfers

A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.

Intro Balance Transfer APR N/A
Regular Balance Transfer APR N/A
Balance Transfer Fee N/A
How to Transfer a Balance on a Credit Card


Penalty APR N/A
Late Fee Up to $25
Returned Payment Fee Up to $37
Additional Cards Annual Fee N/A
Foreign Transaction Fee None
Learn About Types of Credit Card Fees

Cash Advances

Borrowing cash on your card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.

Cash Advance APR N/A
Cash Advance Fee N/A
How to Get a Cash Advance with a Credit Card

Card Benefits

  • Zero Liability on Unauthorized Charges
  • No Foreign Transaction Fee
Deserve Digital First Card™


  • Up to 1.5% cash back rewards after spending $1,000 per billing cycle; 1.25% cash back after spending $500; 1% cash back rate on all purchases otherwise
  • World Mastercard benefits such as Cell Phone Protection and various discounts and memberships
  • Balance transfers and cash advances are not available
  • Instant decision after applying
  • No foreign transaction fee
  • No annual fee

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The Deserve Digital First Card is just what it sounds like: a digital-only card, that instantly connects to a mobile wallet upon approval. As of August 2021, there is no physical card available, although Deserve plans to issue them eventually.

Once you’re approved you can add your card to Apple Pay or Google Pay and start using it immediately. Download the Deserve app to access the full set of features on your card.

Cash back rewards are based on how much you spend each month, up to a maximum of 1.5% cash back after spending $1,000 per billing cycle.

Benefits are offered at the World Mastercard level, and include perks like Cell Phone Protection, Extended Warranty, and discounts for services like DoorDash, Lyft, and ShopRunner.

There is no annual fee. You should note that you cannot make balance transfers or cash advances with this card.

You can see if you’re pre-approved before actually applying.

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