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  Deserve EDU Mastercard for Students
Deserve EDU Mastercard for Students Claimed

Deserve EDU Mastercard for Students

Claimed
SuperMoney Net Recommendation Score +90  

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +90, equating to 4.8 on a 5 point rating scale.

+90

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.

Strongly recommended

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Highlights
Community Rating Strongly recommended
Purchase APR  (Variable APR) 22.99%
(Verified 08/04/2023)
Balance Transfer APR  (Variable APR) N/A
(Verified 01/09/2023)
Credit Score Range 630 - 850
Annual Fee $0
Number of Reviews 21

Deserve EDU Mastercard for Students Review

This is a cashback card issued by , issued by Celtic Bank, a Utah-chartered Industrial Bank, Member FDIC.. If you're wondering whether Deserve 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 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.
  • 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 your credit score is above 630.

Pros & Cons of Deserve

The Good The Bad
  • International students do not require a SSN to apply.
  • No annual fee.
  • Multiple credit card perks.
  • Offers Auto Rental Collision Damage Waiver.
  • Extended warranty and price protection on purchases.
  • Travel accident and travel assistance insurance.
  • Considers applicants who don't have a credit history.
  • No foreign transaction fee.
  • Cardholders can earn rewards on purchases everywhere Deserve EDU Mastercard for Students is accepted.
  • Deserve EDU Mastercard for Students reports to multiple credit bureaus.
  • Higher than average purchase APRs.
  • Does not offer a signup bonus.

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. You will receive 1% cash back on travel, dining, groceries, drugstore purchases, or any other purchase. For example, if you buy a $1,000 laptop, you will receive $10 back in cash.

Deserve Rewards
Minimum rewards rate 1x
Max rewards rate N/A
Annual rewards limit N/A

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?

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?

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 EDU Mastercard for Students has a variable purchase APR of 22.99%.

Does Deserve have an intro APR offer on balance transfers?

No, it does not come with an intro APR offer for 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?

The following fees apply:

  • There is no overlimit fee
Deserve Fees
Fees Amount
Annual Fee $0
Overlimit Fee $0
Initial Program Fee $
Foreign Transaction Fee 0%
Returned Payment Fee Starting at $ up to $37
Late Payment Fee Starting at 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 Deserve customer service number is (801) 981-4334.

What is the support contact email for Deserve?

The support contact email for Deserve is hello@deserve.com.

What is the Deserve login page?

You can access the Deserve login page here.

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 your account activity to the following credit reporting agencies:

  • 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 improve your credit.

How to apply for Deserve

  • Visit the Deserve 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.

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.

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About Deserve EDU Mastercard for Students

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Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • 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
  • Washington, DC
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Foreign Currency Transaction Fee 0%
No Annual Fee
No Foreign Transaction Fee
Annual Fee $0
Minimum Interest Charge $1
Over-Limit Fee $0
No Interest Grace Period for Late Payment 23 days
Returned Payment Fee Up to $37
Late Fee Amount Up to $25
Credit History Not Required
Customer Type Student
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
  • Cash
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Unemployed
  • Other
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
  • U.S. Temporary Resident Visa Holders
Credit Score Range 630 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Extended Warranty Protection
  • Price Protection
  • Emergency Support
  • Fraud Liability
  • Travel Accident Insurance
  • Travel Assistance
Rewards Rates
  • Every Purchase
APR Type Variable APR
Balance Computation Average Daily Balance (including new purchases)
Credit Limit Up to $0
Purchase APR (Variable APR) 22.99%
(Verified 08/04/2023)
Card Type
  • Student
  • Rewards
  • Cashback
Card Network Mastercard

Deserve EDU Mastercard for Students Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +90, equating to 4.8 on a 5 point rating scale.

+90

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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