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Deserve Pro Mastercard

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The Deserve Pro Mastercard is currently available by invite only, although you can request an invite. When applying, Deserve will consider not only the typical credit factors but also your education and future employability, among other criteria, giving you a better shot at approval.

Our rating
Min. credit level: Fair
Annual Fee: $0
Regular APR: 17.49%–24.49% Variable

Deserve Pro Mastercard

Our rating
Fair Min. credit level
$0 Annual Fee
Apply Now Read Our Review

Highlights & Features


  • 3% cash back on:
    • Travel
    • Entertainment
  • 2% cash back at Restaurants
  • 1% cash back on all other purchases
Introductory Bonus
  • Complimentary one-year Priority Pass Select membership for spending $1,000 in the first 90 days ($27 lounge entry fee per person)

Balance Transfers

A balance transfer is a way to move debt from one 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


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 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 Pro Mastercard


  • No SSN required for International students or professionals. Available to L1, O1, and H1B visa holders.
  • Priority Pass™ Select Membership (valued at $99), after you make $1,000 of purchases with your new Deserve Pro Mastercard within the first 90 days after activation.
  • 3% cash back on travel & entertainment; 2% cash back on restaurants; 1% unlimited cash back on all other purchases.
  • Credit limits up to $10,000.
  • $0 annual fee & no foreign transaction fees.
  • No security deposit or co-signer required.
  • Helps students and professionals 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.


Deserve has several card types depending on your needs.

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The Deserve Pro Mastercard is an interesting card, offering up to 3% cash back for certain purchases. It has no annual fee, no foreign transaction fee, and your first late payment fee will be waived if necessary.

Cardholders earn 3% cash back on travel and entertainment, 2% back at restaurants, and 1% back for all other purchases.

This card has a unique introductory bonus, offering a Complimentary one-year Priority Pass Select membership for spending $1,000 in the first 90 days ($27 lounge entry fee per person). 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.

The Deserve Pro offers a credit limit of up to $10,000, and comes with basic shopping and travel protections. It also has a few other interesting benefits which are rarely seen on credit cards, like rebates at Lemonade Insurance, Feather Furniture rentals, and Mint Mobile.

When applying for Deserve credit cards, Deserve will consider not only your credit history but also your 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.

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