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Deserve Edu Mastercard

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Our rating
Min. credit level: Limited Credit History
Annual Fee: $0
Regular APR: 20.24% Variable

Deserve Edu Mastercard

Our rating
Limited Credit History Min. credit level
$0 Annual Fee
Apply Now Read our Review

Highlights & Features

Rewards

  • 1% cash back on all purchases

Balance Transfers

A balance transfer is a way to move credit card debt from one credit card to another with the goal of saving money on interest.

Intro Balance Transfer APR N/A
Regular Balance Transfer APR N/A
Balance Transfer Fee N/A
How to Transfer a Balance on a Credit Card

Fees

Penalty APR N/A
Late Fee Up to $25; first fee waived
Returned Payment Fee Up to $37
Additional Cards Annual Fee N/A
Foreign Transaction Fee None
Learn About Types of Credit Card Fees

Cash Advances

Borrowing cash on your credit card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.

Cash Advance APR N/A
Cash Advance Fee N/A
How to Get a Cash Advance with a Credit Card
Deserve Edu Mastercard

Highlights

  • No SSN required for International students. Available to students (enrollment verification is required)
  • Amazon Prime Student Membership (get reimbursed for subscription fees up to a lifetime total of $59)
  • 1% unlimited cash back on all purchases
  • Credit limits up to $5,000
  • $0 annual fee & no foreign transaction fees
  • No security deposit or co-signer required
  • Helps students 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
ABOUT THE ISSUER

Deserve

Deserve has several card types depending on your needs.

Manage your Account & Pay your Bill

You can usually pay your bill online on your

Credit card issuer's website

Speak to Customer Service

1-800-316-7258

See all Issuer Cards

The Deserve Edu credit card is available for college students with limited or no credit, both native to the U.S. and international.

You’ll only get 1% cash back for purchases, but you’ll also get one free year of Amazon Prime Student. There’s no fee for foreign transactions, and you’ll get a waiver for your first late payment if necessary.

Some cardholders may be given an offer of a one-year membership to Priority Pass Select for spending $1,000 within 120 days of receiving the offer. This provides airport lounge access at hundreds of lounges around the world, although you’ll need to pay a $27 fee per visit for you and each guest. You must use your Deserve card as the primary payment method for Priority Pass charges, and your card must be on file with Priority Pass and in good standing at the time of lounge visit.

You don’t need an SSN to apply for this card, and no security deposit is required. International students will need their student visa, passport ID, school document (e.g. I-20 or DS 2019), and proof of a U.S. bank account balance.

When applying for the Deserve credit cards, Deserve 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.

Insider tip

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.