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FIRST DIGITAL NextGen MASTERCARD ® Credit Card. 35.99% APR for Purchases & Cash Advances. $75.00 Annual fee for first year. After that, $48.00 annually. Just pay the $95.00 one time Program Fee after approval to activate your card. The Cash Advance Transaction Fee is $10 or 3% of each Cash Advance whichever is greater. Summary of Terms.