Deserve Classic Mastercard is no longer available to new customers on SuperMoney. Click here to compare and quickly find the best options for your needs.
Last Updated: 04/18/2025
SuperMoney User Recommendation Score +17
Mostly recommended6 total votes
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Highlights
Community Rating
Mostly recommended
Purchase APR (Variable APR)
23.99%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
N/A
Credit Score Range
630 - 850
Annual Fee
$0
Number of Reviews
Deserve Classic Mastercard Review
Deserve Classic Mastercard is no longer available to new customers on SuperMoney. Click here to compare and quickly find the best options for your needs. |
This is a card issued by Deserve Inc.. If you're wondering whether Deserve Classic Mastercard is the right card for you, read on.
Key Takeaways
- APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR of 23.99%
- No annual fee. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card , but you don't have to pay an annual fee for the privilege.
- No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
- Multiple credit card benefits. Includes generous credit card perks, such as Auto Rental Collision Damage Waiver, emergency support, extended warranty protection on purchases, identity theft protection, price protection, travel accident insurance, travel assistance, and fraud protection.
- Fair or better credit required. You will have good approval odds if you have a fair credit score or better.
Pros & Cons of Deserve Classic Mastercard
| The Good | The Bad |
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Deserve Classic Mastercard FAQ
Does Deserve Classic Mastercard have a cash back or rewards program?
No, it does not offer a rewards program.
| Description |
- Auto Rental Collision Damage Waiver
- Emergency Support
- Extended Warranty Protection
- Zero fraud liability
- Price Protection
- Travel Accident Insurance
- Travel Assistance
- Reports to major credit bureaus
What are the relevant APRs for Deserve Classic Mastercard?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has higher than average regular APRs.Deserve Classic Mastercard has a variable purchase APR of 23.99%. Deserve Classic Mastercard does not offer balance transfers.
Does Deserve Classic Mastercard have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers. Deserve Classic Mastercard does not offer balance transfers.Does Deserve Classic Mastercard have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for Deserve Classic Mastercard?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | $37 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Foreign Transaction Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Paper Statement Fee | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.
There is a late fee of up to $25 . Does Deserve Classic Mastercard have a foreign transaction fee?
This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.What is the customer service phone number for Deserve Classic Mastercard?
The customer service number for Deserve Classic Mastercard is (801) 981-4334.
What is the support contact email for Deserve Classic Mastercard?
The support contact email for Deserve Classic Mastercard is hello@deserve.com.
How do people rate the customer service and user experience of Deserve Classic Mastercard?
Overall, Deserve Classic Mastercard is mostly recommended based on community reviews that rate customer service and user experience.
Does Deserve Classic Mastercard report your account activity to credit bureaus?
Yes, Deserve Classic Mastercard reports to the following credit bureaus:
- Experian
- TransUnion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.
Does Deserve Inc. perform a hard credit pull?
Yes, Deserve Classic Mastercard performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Deserve Classic Mastercard
- Visit the website of Deserve Classic Mastercard.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
View Deserve Classic Mastercard's published terms & conditions
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Message from Deserve Classic Mastercard
Other Services by Deserve Inc.
Other Credit Cards from Deserve Inc.
Purchase APR
22.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
630 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
22.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
600 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
20.24% - 27.24%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
600 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
22.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
600 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
20.24% - 27.24%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
600 - 850
300
850
Annual Fee
$0
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Learn MoreSuperMoney Net Recommendation Score
SuperMoney users mostly recommend this product, giving it a user recommendation score of +17, or 3.3 on a 5-point rating scale.
+17
-1000+100
No one recommends
Everyone recommends
Deserve Classic Mastercard Community Reviews
Would you recommend Deserve Classic Mastercard to your friends?
JB
James B.
Aug 3, 2019
May or may not recommend
While it is difficult to communicate with deserve the card itself, when set up online is very good. No goodies like my other cards, but they’re reliable and that’s what I need from them.
CS
Clifton S.
May 19, 2019
May or may not recommend
how can you compete with wells fargo and other upscale banks doing the same you must go ahead to commpete
U
Anonymous
Jan 24, 2019
May or may not recommend
Excellent program would recommend this to anyone who is attempting to upgrade their credit. anyone else
BK
Barbara K.
Jan 24, 2019
May or may not recommend
I haven’t got to use the card yet hope to give a better review later
Bill A.
Feb 27, 2018
May or may not recommend
I had a credit score of 533 when I applied. I was accepted for the Deserve Classic with a 300.00 limit. I use about 100.00 at a time and pay it off when my purchase is posted. The payment is credited immediately, but it does take about 3 days to update back into your limit. This is really a great card.
If you do decide to apply please use my ...Show More
Eddie O.
Jan 8, 2018
May or may not recommend
applied online, never got any results yes or no on approval. no letter either. but I sure as hell got a. hard inquiry on 2 credit bureaus. obviously a slipshod company. I will bet disputing them hard to inquiries since they no response from this crappy company.
Showing 6 of 6 reviews
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