Deserve Classic Mastercard

For People with
No Credit



The Deserve Classic credit card is designed to help you build or rebuild your credit, but it does not require a security deposit like a secured card. It has no annual fee, offers no rewards for purchases, and has some 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.

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.
Card Quick Facts

Card Quick Facts

  • Not a secured card
  • Available to individuals establishing credit – Domestic & International
  • Credit limits up to $1,500
  • $0 annual fee & no foreign transaction fees
  • No security deposit or co-signer required
  • Helps individuals build credit history and gain financial independence
  • Use anywhere in the world where Mastercard is accepted
  • Includes Mastercard Platinum Benefits like Car Rental Collision Damage Waiver, Roadside Assistance, Travel Assistance Services, Price Protection, Extended Warranty and ID Theft Protection
  • Complimentary cellphone insurance up to $600

For People with
No Credit



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Card Details



This card does not offer rewards.
Card Stats

Card Stats

Annual Fee $0
Additional Cards Annual Fee -
Regular Purchase APR 24.99% Variable
Intro Purchase APR -
Foreign Transaction Fee None
Chip Technology Chip-and-Signature
Minimum Credit Limit -
Maximum Credit Limit $1,500
Free Credit Score No
Penalty APR None
Late Fee Up to $25; first fee waived
Returned Payment Fee Up to $37
Balance Transfers

Balance Transfers

Intro Balance Transfer APR -
Regular Balance Transfer APR -
Balance Transfer Fee -
Cash Advances

Cash Advances

Cash Advance APR -
Cash Advance Fee -

Card Benefits

Check your card’s Guide to Benefits to learn the specific benefits your card offers and how to access them.

  • Refer Friends for Statement Credits

    Refer a friend to get a Deserve credit card and receive a $30 statement credit for every approval, and your friend will get a $30 statement credit after his or her first purchase as well. If you refer 10 friends you’ll get a $200 bonus, for a total of $500 in statement credits.

  • Mint Mobile Wireless Rebate

    Use your card to sign up and pay for any Mint Mobile wireless plan by January 1, 2019, and you’ll get a $20 statement credit.

  • 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 Rebate

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

  • Zero Liability 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:  
 6 reviews
by Nai

If youre looking for a first time card, LOOK ELSE WHERE! Someone stole my credit card information and used it all over the place. I had trouble shutting my card off since the company doesnt open until 11 EST and im in a different time zone. The first time they did not properly shut my card off and the person kept using my card information. I tried to dispute all those transactions but in the end I have to pay it ALL back. They say they investigated and see no error, but i did not authorize any of those transactions. I will be canceling this card ASAP! Beware!!! The customer service is not that good either, this was a nightmare.

by Claudia
Terrible Company

Terrible card, terrible customer service. Don't recommend it at all.

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!

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