Deserve Classic Mastercard

Deserve Classic Mastercard

in Personal Credit Cards from Deserve Inc.


Deserve Classic Mastercard


in Personal Credit Cards from Deserve Inc.

SuperMoney Net Recommendation Score +14%



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Recommendation score measures the loyalty between a provider and a consumer. It's at 100% if everybody recommends the provider, and at -100% when no one recommends.

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3 users recommend
2 users are unsure
2 users don't recommend
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Community Rating Mostly recommended
Purchase APR  (Variable APR) 23.99%
Balance Transfer APR  (Variable APR) N/A
Credit Score Range 650 - 850
Annual Fee $0
Number of Reviews 7

Deserve Classic Mastercard Review

Deserve Classic Mastercard is a credit card issued by Deserve Inc.. If you're wondering whether Deserve Classic Mastercard is the right card for you, read on. This is everything you need to know to make a good choice.

Key Takeaways
  • High APRs. This is not a great card for people who carry a balance. It has a variable 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.
  • $0 foreign transaction fee. This card does not charge foreign transaction fees, which makes a great credit card to carry with you when traveling abroad.
  • Multiple credit card benefits. Includes generous credit card perks, such as price protection, and fraud protection.
  • Fair or better credit required. You stand a chance of qualifying if your credit score is not below 650.
Deserve Classic Mastercard Pros & Cons
The Good The Bad
  • No annual fee.
  • Multiple credit card perks.
  • Credit history not required.
  • No foreign transaction fee.
  • Deserve Classic Mastercard reports to multiple credit bureaus.
  • Higher than average purchase APRs.
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • You don't earn rewards on every purchase.
Deserve Classic Mastercard FAQ

Is there a Deserve Classic Mastercard cash back or rewards program?

No, Deserve Classic Mastercard does not offer a rewards program.

What are the Deserve Classic Mastercard benefits?

Deserve Classic Mastercard provides the following benefits:

  • Price Protection
  • ID Theft Protection
  • Reports to major credit bureaus

What are the relevant APRs for Deserve Classic Mastercard?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Deserve Classic Mastercard has higher than average purchase APRs.

Deserve Classic Mastercard has a variable purchase APR of 23.99%.

Does Deserve Classic Mastercard have an introductory APR offer on balance transfers?

No, Deserve Classic Mastercard does not come with an introductory APR offer for balance transfers.

Does Deserve Classic Mastercard have an introductory APR offer on new purchases?

Deserve Classic Mastercard does not offer an introductory rate on new purchases.
Deserve Classic Mastercard Purchase Intro Offer
Introductory Rate N/A
Purchase Intro APR Period (months) N/A

What are the fees for Deserve Classic Mastercard?

The following fees apply to Deserve Classic Mastercard:

  • There is no overlimit fee
Deserve Classic Mastercard Fees
Fees Amount
Annual Fee $0
Overlimit Fee $0
Foreign Transaction Fee 0%
Returned Payment Fee $37
Late Payment Fee $25

Does Deserve Classic Mastercard have a foreign transaction fee?

Deserve Classic Mastercard does not charge foreign transaction fees. If you are a frequent traveler, this can save you hundreds of dollars in credit card fees when you travel out of the country.

Does Deserve Classic Mastercard report your account activity to credit bureaus?

Deserve Classic Mastercard reports your account activity to the following credit reporting agencies:

  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and can help improve your credit.

How to apply for Deserve Classic Mastercard

  • Visit the Deserve Classic Mastercard website.
  • 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 you're denied click here to find out why your application may have been rejected and what you can do about it.

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: 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.


  • Headquarters
  •   1010 Doyle St. Suite 200
    Menlo Park, CA 94025
  •   Visit Site

About Deserve Classic Mastercard

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Message From Deserve Inc.

Where traditional lenders see risk, we see potential. While traditional lenders only look at your FICO score, our proprietary algorithm weighs in other factors such as your current financial health, education, future employability and projected earnings.


  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Foreign Currency Transaction Fee 0%
No Annual Fee  
No Foreign Transaction Fee  
Annual Fee $0
Over-Limit Fee $0
No Interest Grace Period for Late Payment 23 days
Paper Statement Fee $0
Minimum Interest Charge $1
Returned Payment Fee $37
Late Fee Amount $25
Credit History Not Required  
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
  • Non-Resident
Checking Account Required  
Credit Score Range 650 - 850
Credit Bureau Reporting
  • Experian
  • TransUnion
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Extended Warranty Protection
  • Fraud Liability
  • Identity Theft Protection
  • Price Protection
  • Travel Assistance
  • Travel Accident Insurance
Rewards Type No Rewards
Balance Computation Average Daily Balance (including new purchases).
Credit Limit Up to $1,500
Purchase APR (Variable APR) 23.99%

Deserve Classic Mastercard Community Reviews


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No one recommends Everyone recommends

Recommendation score measures the loyalty between a provider and a consumer. It's at 100% if everybody recommends the provider, and at -100% when no one recommends.

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