Just got an email from them.
Yes I did apply and was approved a week or so ago. Really liked the virtual card feature..
Hi someg33k,
We have some HUGE updates for you:
We’re dropping the annual fee ✌
Based on your feedback, we are changing the annual fee for Final accounts to $0, effective immediately
This includes all new and existing accounts
Apple Pay is coming soon ✔
We are finishing up our testing of Apple Pay and rolling this great functionality out to you
And… Android and Samsung Pay will be live soon after that!
2 Factor Authentication has been improved ♜
You can now use Authy or Google Authenticator in lieu of SMS to receive your codes. If you already have 2FA enabled, turn it off via the web dashboard's settings page. When you turn it back on, you will now have more options 
As a reminder, we also recently announced (on May 9th) our upgrade from Visa Traditional Rewards to Visa Signature, in an email titled “Visa Signature Benefits - now yours!” Please see that email and its links for full details of the new benefits.
I wonder how Final knew your screen name??...
FREAKY...
FREAKY...
