The first 1,000 members approved for Truecard have the option to receive a black metal card, regardless of their original position on the waitlist. The first 1,000 on the waitlist will be first in line to apply for Truecard, but approval is not guaranteed*.


Truecard is Powered by Deserve and issued by Celtic Bank, a Utah-Chartered Industrial Bank, Member FDIC.

*The first 1,000 Truecard applicants to be approved will have the option to select a black metal Truecard. All subsequent users will have the option to select a blue or black plastic card. Joining the waitlist does not guarantee Truecard eligibility. Geographic, regulatory, and underwriting restrictions may apply.

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