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. None of them have annual fees or foreign transaction fees.
Unlike secured cards, which are normally available to people with limited credit history, the Deserve cards don’t require security deposits to establish their credit limits.
The Deserve Pro card earns rewards in the form of unlimited cash back: 3% on travel and entertainment, 2% at restaurants, and 1% on everything else.
The Deserve Edu card is designed for college students, including international students. It provides 1% cash back for every purchase and includes a statement credit for an Amazon Prime Student membership.
This is the oldest of the Deserve credit card offers. With no annual fee and no rewards, it’s designed mostly for helping people with no credit scores or low scores to build up their credit history.