The First Digital card is expensive. It has a slew of fees associated with its use. For example, during the first year, you’ll pay a $75 annual fee, a $95 one-time activation fee, and if you want express delivery of your card, it’s $35. There is also a $29 annual fee for each additional card. Transaction fees for a cash advance are either 3% of the amount of the advance, or $10. There is a late fee of $40 if you don’t make your payment on time. After your first year of being a First Digital cardholder, there is a $48 annual fee in addition to a monthly servicing fee of $6.25 a month.