Deserve Edu Mastercard


For People with
No Credit

REVIEWS

Reviews

The Deserve Edu credit card is available for students with limited or no credit, both native to the U.S. and international, who are either in school or have recently graduated.

You’ll only get 1% cash back for purchases, but you’ll also get 1 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.

You don’t need a 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, 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

  • 1% unlimited cash back on ALL purchases
  • Deserve will pay for Amazon Prime Student, get free Video, Music, and Reading (Up to a life-time total of $59)
  • Up to a $5,000 credit line
  • $0 annual fee
  • No security deposit or co-signer required (No SSN required for international students)
  • Builds credit history
  • Use anywhere in the world where Mastercard is accepted with no foreign transaction fees
  • Mastercard Platinum Benefits like Price Protection, Travel Assistance, ID Theft Protection, Extended Warranty and Car Rental Collision Damage Waiver

For People with
No Credit

REVIEWS

Reviews

Manage My Card

Want to pay a bill or check your balance?

Card Details

Rewards

Rewards

  • 1% cash back on all purchases
How to Redeem
Card Stats

Card Stats

Annual Fee $0
Additional Cards Annual Fee -
Regular Purchase APR 20.74% Variable
Intro Purchase APR -
Foreign Transaction Fee None
Chip Technology Chip-and-Signature
Minimum Credit Limit -
Maximum Credit Limit $5,000
Free Credit Score No
Penalty APR None
Late Fee Up to $25
Returned Payment Fee Up to $37
Balance Transfers

Balance Transfers

Intro Balance Transfer APR -
Regular Balance Transfer APR N/A
Balance Transfer Fee N/A
Cash Advances

Cash Advances

Cash Advance APR N/A
Cash Advance Fee N/A

Card Benefits

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

  • 1 Free Year of Amazon Prime Student

    When you pay for Amazon Prime Student with your Deserve card, get a statement credit of up to $59 to pay for the subscription cost for 1 year.

  • T-Mobile Campus Exclusive Offer

    Save $100 on select smart phones and tablets, including iPhone and LG devices. Must call 1-844-301-2425 to request the offer.

  • 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.

  • 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.

  • 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:  
 3 reviews
by Rajeshwor
The worst experience ever

Following all the protocols this company deserve or selfscore or whatever told me to follow when someone used my credit card without them having my card. They do not want to refund the charges which someone else has used even after reporting within few days and even after sending the police report they asked me ,later they told me I was responsible for these charges. Please do not use this credit card company I hope you guys find better cards. They have destroyed my credit history before I could even build one.

by user
Recommended

I have been using this card for almost a year.It is true that their payment system is kind of dumb,(it usually won't deduct your from your monthly credit immediately)I still believe this is a pretty good card for students who don't have SSN.

by andy
bad payment website

their website is very bad. ambiguous statements. when you setup auto-pay or do an online payment, it doesn't even tell you that your payment is accepted or rejected. so you pay online, and get a shock a few weeks later when they tell you that you did not pay before the deadline.

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