Digital-first credit cards reimagine the traditional credit card experience with modern app-based interfaces, innovative rewards structures, and real-time spending insights. These cards often feature no annual fees, cashback or points rewards, virtual cards for online security, and instant approval processes. They integrate seamlessly with mobile wallets and personal finance tools.

Primary revenue sources include interchange fees (1-3% of transaction volume), interest charges on revolving balances, annual fees for premium cards, foreign transaction fees, and late payment fees. Some issuers also generate revenue through merchant partnerships and premium subscription services.

Apple Card, Goldman Sachs Marcus, Toss Card, Capital One, Chase Sapphire