Back to Blog

The Deserve Mission

Our Mission is you. We believe in you. We believe in your ideas. Your ambition. Your dreams. And we want to give you every opportunity to achieve what you’re working so hard for.

When our founder and CEO, Kalpesh Kapadia, came to America 25 years ago, he suddenly found himself left out of many things simply because he didn’t have a credit history in the U.S.. He was stuck in the same quandary many college students and people new to this country face: You need a credit card to build a credit history, but it’s hard to get a credit card without a credit history.

So he created the Deserve card. Because he believed you deserve better; deserve an opportunity. He built the company from the ground up, so people like you have the circumstances that match your ambitions. A chance to create your own version of the American Dream. We believe you can do it. We trust in your hard work.

To assist you on your journey, Deserve members have access to a number of tools to help them build a strong and positive credit history:

Credit cards – Start building your credit history with everyday purchases. We have a variety of cards to fit whatever stage of life you’re at. Enjoy extra benefits like $0 annual fee, Mastercard Platinum benefits, no international transaction fees, cellphone protection and more.

Phone App – All our tools and resources right in your hands whenever and wherever you need them. Manage your credit with real-time feedback on actions you can take right now to start improving your credit.

Credit Education – Available free online to anyone. Learn about credit, credit cards and how to manage them simply and successfully.

Student benefits – College students work hard; often juggling jobs along with their studies. The Deserve EDU card was created with you in mind. Enjoy a number of benefits including no annual fee, a free year of Amazon Prime Student and 1% cash back on all purchases.

Has Deserve helped people? We now have happy cardholders from over 165 countries in all fifty states and at more than 2,500 colleges. That’s because our mission has always been about helping you. About seeing potential, where other companies only see a risk. By believing that, with a little trust, all your hard work will turn into success.