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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, 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.
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.