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Deserve Classic Mastercard

in Personal Credit Cards from Deserve Inc.

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Deserve Classic Mastercard

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in Personal Credit Cards from Deserve Inc.

SuperMoney Net Recommendation Score +17% 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.

Mostly recommended

3 users recommend
1 user is unsure
2 users don't recommend
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Highlights
Highlights
Community Rating Mostly recommended
Balance Transfer APR  (Variable APR) N/A
Credit Score Range 650 - 850
Annual Fee $0
Purchase APR  (Variable APR) 24.49%
Number of Reviews 6

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.

  • High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR of 24.49%
  • $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 rental insurance, emergency support, extended warranty protection on purchases, price protection, travel assistance, and fraud protection.
  • Fair or better credit required. You stand a chance of qualifying if your credit score is not below 650.
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.
  • Offers auto rental collision damage waiver.
  • Extended warranty and price protection on purchases.
  • Travel assistance insurance
  • 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.

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:

  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Extended Warranty Protection
  • Zero fraud liability
  • Price Protection
  • Travel Assistance
  • 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 24.49%.

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.

What are the Deserve Classic Mastercard fees?

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 score.

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.

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...

Contact

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

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.

Other Services by Deserve Inc.

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Availability

Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
  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
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
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
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  
Card Network
  • Mastercard
Credit Bureau Reporting
  • Experian
  • TransUnion
Emergency Support  
Travel Insurance  
Fraud Liability  
Extended Warranty  
Car Rental Insurance  
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Extended Warranty Protection
  • Fraud Liability
  • Identity Theft Protection
  • Price Protection
  • Travel Assistance
Purchase APR (Variable APR) 24.49%
Balance Computation Average Daily Balance (including new purchases)
Credit Limit $1,500

Deserve Classic Mastercard Community Reviews

 

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Balance Transfer APR N/A Balance Transfer APR
Credit Score Range 700 - 850     300 850
Annual Fee $0 Annual Fee
Purchase APR 17.49% - 24.49%
(Variable APR)
    0% 36% Variable APR