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


  • Signup Bonus None
  • Chip Technology Chip-and-Signature
  • 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.


  • 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.

  • Lemonade Insurance Rebate

    Pay 3 consecutive payments of Lemonade Insurance with your Deserve card to get a one-time $10 statement credit.

  • Feather Furniture Rental Discount

    Pay with your Deserve card and use code DESERVE100 to get $100 off your first month’s rental with Feather furniture rentals.


  • 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.


  • 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.

  • Cell Phone Insurance

    Pay your cell phone bill with your Deserve card to get $600 in coverage against damage and theft.


  • 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:  
 5 reviews
by kimberlene
Took action against possible fraud

I applied for this card about 2 months ago. They ask all types of financial questions & ask you to submit your identification- even log into your bank account. Then they denied me, stating that they couldn't verify my identity. When i questioned how that could be & offered to submit evidence of my credit reports, they offered me an excuse that they were a "new company trying things out". I immediately contacted the Consumer Financial Protection Bureau- who turned it over to the FDIC. Be careful with this company!!!

by Ouou
Awful customer service

Called them to get myself a replacement credit card since I lost the old one, the customer service is awful. They never pick up my phone and it always tells you to leave a message for them!!!! (I call them in the early morning and I always get we are busy please leave a message). If it takes so much efforts to replace my card, I would just simply close my account with Deserve!!

by sara smith
Fraudulant Card

You would really have to hate your friend to refer this card to your friend to get $30 bucks. This card will make a decision about your ability to pay when they haven't asked all the questions. This is a terrible card to apply for and I can't imagine anyone referring someone to it. They declined me based on my documents but went ahead and hit my credit when they already made the decision before hand. If your trying to fix your credit, you don't want to do it with this card. They are terrible people!

by M Huggins
Security Issues

While going through the process of applying for this card, they ask you if you have any cash on hand. Say yes, then they ask for the name of your bank. Once you click on the name of your bank, you are required to input your user name, password, and answer any security questions that have been set. This screen can not be bypassed. After completing the application, I changed the password to my bank account. A few hours later, I receive an email advising me that I have been blocked out of my account because I had too many password attempts. ANYTHING can happen if someone at a call center has the username, password, and answers to the security questions that are linked to your bank account!

by Bill

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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