Deserve Credit Cards

John Ganotis

John Ganotis

Updated Jul 23, 2018

Deserve (formerly known as SelfScore) is a newer credit card issuer focused on providing credit cards to people with fair credit and people who don’t already have significant positive credit history established on their credit reports, like international students.

There are three Deserve cards issued by Celtic Bank, which are all Mastercards: Deserve Pro, Deserve Edu, and Deserve Classic. Only the Classic has an annual fee, and none of the cards has a foreign transaction fee.

Unlike secured cards, which are normally available to people with limited credit history, the Deserve cards don’t require a security deposit to establish a credit limit.

Take note that Deserve will need to connect to your bank account to verify your balance. If you have privacy or security concerns this might worry you, but it seems logical because Deserve bases its decision on more than just an applicant’s credit history.

Deserve Pro

The Deserve Pro card is the only one that earns some rewards in the form of unlimited cash back: 3% on travel and entertainment, 2% at restaurants, and 1% on everything else.

Deserve Pro Mastercard
Apply Now

Deserve Pro Mastercard

For People with
Fair Credit

  • Annual Fee: $0
  • Interest Rate: 18.49%–25.49% Variable
Quick Card Facts
  • More cash back on the things you enjoy the most: 3% on travel/entertainment, 2% on restaurants & 1% on all other purchases
  • No annual fee
  • Credit limit up to $10,000
  • No foreign transaction fees
  • Use anywhere in the world where Mastercard is accepted
  • Includes Mastercard Platinum Benefits like Price Protection, Travel Assistance, ID Theft Protection, Car Collision Damage Waiver & Extended Warranty
  • Refer a Friend and get a $30 statement credit. Refer 10 friends and get a $200 bonus for a total of $500 in statement credits

Deserve Edu

The Deserve Edu card is designed for college students, including international students. It includes a statement credit for an Amazon Prime student membership.

Deserve Edu Mastercard
Apply Now

Deserve Edu Mastercard

For People with
No Credit

  • Annual Fee: $0
  • Interest Rate: 20.49% Variable
Quick Card Facts
  • 1% unlimited cash back on ALL purchases
  • Deserve will pay for Amazon Prime Student, get free Video, Music, and Reading (Up to a life-time total of $59)
  • Up to a $5,000 credit line
  • $0 annual fee
  • No security deposit or co-signer required (No SSN required for international students)
  • Builds credit history
  • Use anywhere in the world where Mastercard is accepted with no foreign transaction fees
  • Mastercard Platinum Benefits like Price Protection, Travel Assistance, ID Theft Protection, Extended Warranty and Car Rental Collision Damage Waiver

Deserve Classic

This is the oldest of the Deserve credit card offers, with an annual fee and no rewards, designed mostly for helping people with no credit scores or low scores to build up their credit history.

Deserve Classic Mastercard
Apply Now

Deserve Classic Mastercard

For People with
No Credit

  • Annual Fee: $39
  • Interest Rate: 24.74% Variable
Quick Card Facts
  • Build credit history
  • No security deposit or co-signer required
  • Credit limit up to $1,500
  • No foreign transaction fees
  • Use anywhere in the world where Mastercard is accepted
  • Includes Mastercard Platinum Benefits like Price Protection, Travel Assistance, ID Theft Protection, Car Collision Damage Waiver & Extended Warranty
  • Refer a Friend and get a $30 statement credit. Refer 10 friends and get a $200 bonus for a total of $500 in statement credits
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