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

Introductory Bonus

  • None
Card Stats

Card Stats

Annual Fee $0
Additional Cards Annual Fee -
Regular Purchase APR 20.49% Variable
Intro Purchase APR -
Foreign Transaction Fee 0%
Chip Technology Chip-and-Signature
Minimum Credit Limit -
Maximum Credit Limit $5,000
Free Credit Score No
Penalty APR See Terms
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.

Visitor Reviews

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Average rating:  
 2 reviews
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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