Deserve Edu Mastercard


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.

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

  • 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

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 20.99% 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; 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.

  • 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.

  • 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.

  • Mint Mobile Wireless Rebate

    Get a $45 statement credit if you use your card to sign up and pay for any Mint Mobile wireless plan through November 28, 2019.

  • 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.

  • 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 eligible 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:  
 4 reviews
by Meltcm
Shady card company

I applied for this card at the beginning of my freshman year of college and was approved despite not having hardly any credit history. This card was great until my first payment was due. My first payment was 126.52 and deserve double billed my account. I had to email and call daily for over a week to get reimbursed. The customer service is awful. Now every month when I pay my statement I take a screenshot and immediately email “customer support” as proof. It’s pathetic. I would close the account but don’t want it to negativity affect my credit since the account has been opened for less than a year. I’m counting down the months until I can close out this account and move on with my life. Very shady, apply at your own risk.

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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