Last Updated: 07/28/2025
Deserve EDU Mastercard for Students
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in Credit Cards from Deserve Inc.
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
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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? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 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.
What is the login page for Deserve?
You can access the login page of Deserve 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 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
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