The Deserve Classic credit card is designed to help you build or rebuild your credit, but it does not require a security deposit. It has a small annual fee, and offers no rewards for purchases and only basic shopping and travel protections.
Instead of rewards or benefits, this card is designed simply for improving credit. After a period of positive activity, you may be able to upgrade to the Deserve Pro Mastercard (Review) cash back card. There’s also a card created for students, the Deserve Edu Mastercard (Review).
When applying for the Deserve credit cards, they will consider not only your credit history but also education, current financial health, future employability, and earnings potential. This gives people with poor credit or thin credit files a better chance of approval.
Confused about all the different amounts listed on your credit card bill? Read our guide to paying credit cards here.
- Annual Fee $39
- Intro Purchase APR -
- Regular Purchase APR 24.49% Variable
- Signup Bonus None
- Chip Technology None
- Foreign Transaction Fee 0%
- Intro Balance Transfer APR -
- Regular Balance Transfer APR N/A
- Cash Advance APR N/A
- Penalty APR See Terms
- Late Fee Up to $25
- Returned Payment Fee Up to $37
Check your card's Guide to Benefits to learn the specific benefits your card offers and how to access them. Learn more about credit card benefits here.
Late Payment Waiver
Your first late payment will be waived as a courtesy.
Refer Friends for Statement Credits
Refer a friend to get a Deserve credit card and receive a $30 statement credit for every approval. If you refer 10 friends you’ll get a $200 bonus, for a total of $500 in statement credits.
You are not held responsible for unauthorized transactions on your card.
ID Theft Protection
Provides access to identity theft resolution services if your identity is compromised.
Doubles the manufacturer’s warranty up to a maximum of 12 months for eligible items.
If you find an item you bought with the card being advertised for a lesser price within 60 days after purchase, you can be reimbursed for the price difference.
Travel Assistance Services
Provides emergency assistance when you’re traveling more than 50 miles from home.
If you have a problem on the road, call 1-800-Mastercard to get help. May save money with pre-negotiated fees.
Car Rental Collision Damage Waiver
Provides coverage against theft and collision, as long as the car rental company’s own insurance is declined.
Read about experiences others have had with this card and leave your own review here.
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Deserve will decline transactions quickly even if your outstanding balance is $0.00. I would never recommend this card. Annual fee and no rewards. It has no benefits at all.