Deserve Classic Mastercard

Deserve Classic Mastercard Review

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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

• 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.
• 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 rental insurance, 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 your credit score is above 630.

Pros & Cons of Deserve Classic Mastercard

The Good	The Bad
No annual fee. Multiple credit card perks. Offers auto rental collision damage waiver. Extended warranty and price protection on purchases. Identity Theft Protection. Travel accident and travel assistance insurance. Considers applicants who don't have a credit history. 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

Does Deserve Classic Mastercard have a cash back or rewards program?

No, it does not offer a rewards program.

What are the Deserve Classic Mastercard benefits?

It provides the following benefits:

• 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 is 15% for all credit cards and 17% for accounts that carry a balance. This card has higher than average regular APRs.

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

What are the fees for Deserve Classic Mastercard?

The following fees apply:

• 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

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.

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

Yes, 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 may 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 your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.