Deserve Classic Mastercard

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.

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Quick View

Quick View

  • Rewards

    None

  • 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

Card Benefits

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.

Perks

  • 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.

Security

  • Fraud Protection

    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.

Shopping

  • Extended Warranty

    Doubles the manufacturer’s warranty up to a maximum of 12 months for eligible items.

  • Price Protection

    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

  • Travel Assistance Services

    Provides emergency assistance when you’re traveling more than 50 miles from home.

  • Roadside Assistance

    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.

Visitor Reviews

Read about experiences others have had with this card and leave your own review here.

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Average rating:  
 1 reviews
by Bill
Unpredictable

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.

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