Last Updated: 07/28/2025
SuperMoney User Recommendation Score +90
Strongly recommended21 total votes
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Highlights
Community Rating
Strongly recommended
Purchase APR (Variable APR)
22.99%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
N/A(Verified 01/09/2023)
Credit Score Range
630 - 850
Annual Fee
$0
Number of Reviews
Deserve EDU Mastercard for Students Review
This is a cashback credit card issued by , issued by Celtic Bank, a Utah-chartered Industrial Bank, Member FDIC.. If you're wondering whether Deserve EDU Mastercard for Students 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 22.99%
- No annual fee. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your eligible purchases, 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.
- Student credit card. This card is geared toward students. In other words, college students with limited credit history and low incomes can still apply, especially if they have a cosigner ready to vouch for them.
- Multiple credit card benefits. Includes generous credit card perks, such as Auto Rental Collision Damage Waiver, emergency support, extended warranty protection on purchases, 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
| The Good | The Bad |
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Deserve FAQ
Does Deserve have a cash back or rewards program?
This is a cashback card. This means you earn a percentage of your purchases as cash back rewards.
| Description |
Does Deserve have a signup bonus?
This card doesn't offer a cash signup bonus.Does Deserve offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Deserve benefits?
Deserve EDU Mastercard for Students 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?
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 EDU Mastercard for Students has a variable purchase APR of 22.99%. Deserve EDU Mastercard for Students does not offer balance transfers.
Does Deserve have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers. Deserve EDU Mastercard for Students does not offer balance transfers.Does Deserve 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?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $37 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Foreign Transaction Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.
Does Deserve 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?
The customer service number for Deserve is (801) 981-4334.
What is the support contact email for Deserve?
The support contact email for Deserve is hello@deserve.com.
How do people rate the customer service and user experience of Deserve?
Overall, Deserve is strongly recommended based on community reviews that rate customer service and user experience.
Does Deserve EDU Mastercard for Students report your account activity to credit bureaus?
Yes, Deserve EDU Mastercard for Students reports to the following credit bureaus:
- Equifax
- 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 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
- Visit the website of Deserve.
- 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 EDU Mastercard for Students'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.
Other Services by Deserve Inc.
Other Credit Cards from Deserve Inc.
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 strongly recommend this product, giving it a user recommendation score of +90, or 4.8 on a 5-point rating scale.
+90
-1000+100
No one recommends
Everyone recommends
Deserve EDU Mastercard for Students Community Reviews
Would you recommend Deserve EDU Mastercard for Students to your friends?
MC
Mazhar C.
Nov 25, 2022
May or may not recommend
The Deserve Edu Mastercard is great for all students with no credit history that want an unsecured product with no cosigner. I chose this credit card because of the Amazon Student Prime they covered and Deserve is a great stepping stone card to help me build credit. When I call their customer service, they are always friendly. After using the card for months for my cell phone bill, I cracked ...Show More
SS
Sumaiyah S.
Mar 11, 2022
May or may not recommend
The Deserve Edu Mastercard is great for all students with no credit history that want an unsecured product with no cosigner. I chose this credit card because of the Amazon Student Prime they covered and Deserve is a great stepping stone card to help me build credit. When I call their customer service, they are always friendly. After using the card for months for my cell phone bill, I cracked ...Show More
BM
Bonnie M.
Feb 24, 2022
May or may not recommend
Before discovering Deserve, I couldn't find an unsecured credit card that I would get approved for because I was an international student with no credit history. Applying for the credit card was simple and quick, and the staff is friendly, helpful, and friendly! I was able to increase my credit limit as quickly as possible as I made all of my payments on time. I couldn't have asked for a better ...Show More
JM
Jessica M.
Jan 16, 2022
May or may not recommend
A great starter card for all college students to start building up credit. The big takeaway for me is that there is no annual fee!
Andrew H.
Aug 12, 2021
May or may not recommend
No SSN required to sign up. Perfect for international students. Also there are no foreign transaction fees.
WM
William M.
Jul 23, 2021
May or may not recommend
I would recommend for two reasons: 1) auto rental collision damage waiver. This has been very useful for me in the past when a guy hit me in my rental car and saved me a lot of money. 2) No annual fees!!
FC
Florencia C.
Jul 22, 2021
May or may not recommend
I would recommend getting this card for anyone who is looking for no annual fees. What's more, it's very easy to get because they don't require credit history. Deserve EDU Mastercard for students is one of the best credit cards for international students because it has a $0 foreign transaction.
RH
Rana H.
Jan 21, 2021
May or may not recommend
As a student myself, I found this option a great way to improve my credit with many benefits. Before I start on all the perks -- keep in mind that you need to have a credit score of AT LEAST 680. Also, there is a high APR, so if you carry a balance, this card isn't for you. Anyway, the biggest pro is that it allows for co-signers to vouch ...Show More
KJ
Khaila J.
Jan 15, 2021
May or may not recommend
Yes, I would recommend this type of student credit card for students who want to build thier credit but I would recommend doing this type of credit card In your second year of school once you've established a Job and a source of income. I also love how they don't have over limit fee with 0 APR and 0 annual fees great for students to learn and build great credit ...Show More
ST
Samuel T.
Jan 14, 2021
May or may not recommend
Nothing makes you happier as able to purchase what you want at the time you need it. Over the years, I have been disappointed with so many credit cards. In fact, so cards don't work in so part of the worlds. My story changed when I got Deserve Edu Mastercard. Aside from students, this credit card is also a great option for users who are often on the road. Life ...Show More
MO
Micheal O.
Dec 23, 2020
May or may not recommend
As a college student with poor credit, The Deserve Edu Mastercard helped my financial life by building up my credit, the $0 annual fees, and high APRs.
It's a lovely credit card that also allows you to transact abroad without fees, and if you require any inquiries, they have well-cultured customer representatives. I love them!
CS
C S.
Dec 22, 2020
May or may not recommend
YES. I am a student and I love this card. I wouldn't recommend it as the first card you get because it is somewhat difficult to get approved if you haven't built any credit yet. Maybe get a starter card and then use this card when you start college. The 18% APR is very competitive when compared to other student cards. Your parents can cosign and this could be a ...Show More
RO
Ronke O.
Dec 10, 2020
May or may not recommend
When I wanted to get the Deserve Edu Mastercard, I thought I would have to bring someone to help cosign, but I was wrong. I did it all on my own. Till date, I still enjoy 0% annual rate and this is why I keep using the card and even recommended it to some of my friends who are now using it too.
GR
Gaby R.
Nov 5, 2020
May or may not recommend
I'm a college student with very little credit and this helped me so much! I think it's an awesome way for college students to build up their credit so they can start their future off well. It was super easy to sign up and it's super easy to pay bills. I've actually already started recommending this card to friends because I know a lot of people who need to set ...Show More
CF
Caleb F.
Oct 27, 2020
May or may not recommend
I can’t be the only one who feels annual fees on credit cards sucks. Thank you Deserve Edu MasterCard for taking this out, and reducing me of the financial burden. Also, it feels great to transact abroad without fees and still earn perks on purchases on a card that does not charge me unnecessarily.
Kimberly S.
Oct 16, 2020
May or may not recommend
I have to admit, I hesitated with this card. I had never heard of them before but I was looking for a personal credit card to expand my portfolio and give me a credit bump. I wasn't disappointed with this outfit. They were great. I had a few questions and their customer service was quick to respond and very friendly. I'd say they are a great credit card company for ...Show More
HK
Hailey K.
Oct 9, 2020
May or may not recommend
Deserve EDU for students would be good for students who have traveled abroad! With higher than average APRs, and the good to excellent credit requirements. this card may be difficult for students to get approved for.
EO
Esther O.
Oct 6, 2020
May or may not recommend
As a colleague student, this is the best service for credit building, so far, no other service interests me more, its easy and really cool for international students, they give us a chance of convenience especially people like me new in the country and those who don't have a SSN, I like it and would recommend it to anyone who is just like me.
GW
Grand W.
Oct 5, 2020
May or may not recommend
This credit card is the best for students. It was what I really wanted. I was surprised when I found out they don't charge annual fees and any type of student can use it. I also discovered that any type of student can use whether international, a permanent resident or a citizen. I cannot wait to tell my friends. I totally recommend for students.
DO
David O.
Sep 11, 2020
May or may not recommend
i recommend deserve edu mastercard for students. there are a lot of benefit for student to enjoy out of which i enjoyed also. they also offer a one percent cashback on every purchase made on the credit card everyday. there are also other high rewards which includes high ARPs. i strongly recommend this to every credit card users.
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