When you spend like an adult, you deserve a card that treats you like one

"The Deserve® Edu Mastercard for Students offers a gateway to credit"

– NerdWallet

  • No deposit required
  • No cosigner needed
  • No fees for foreign transactions

When you spend like an adult, you deserve a card that treats you like one

  • No deposit required
  • No cosigner needed
  • No fees for foreign transactions

"The Deserve® Edu Mastercard for Students offers a gateway to credit"

– NerdWallet

FOR COLLEGE STUDENTS
Deserve ClassicDeserve Classic Mastercard Deserve ClassicDeserve Edu Mastercard Deserve ClassicDeserve Pro Mastercard
Build credit Build credit and get rewarded Reap the rewards of established credit
No special offer Amazon Prime Student subscription offer No special offer
No cash back 1% cash back on all purchases2 3% cash back on travel & entertainment3 2% cash back on restaurants3 1% cash back on all purchases3
Up to $1,500 credit limit Up to $5,000 credit limit Up to $10,000 credit limit
24.49% variable APR1 20.24% variable APR2 17.49% to 24.49% variable APR3
— No SSN required for international students Available to L1 and H1B visa holders
$39 annual fee $0 annual fee $0 annual fee
Requires Employment and Income Verification Requires Enrollment Verification Requires Employment and Income Verification
Apply for Classic

1Deserve Classic Terms and Conditions
Apply for Pro
 

3Deserve Pro Terms and Conditions
FOR COLLEGE STUDENTS
Deserve ClassicDeserve Edu
Mastercard
Build credit and get rewarded
Amazon Prime Student subscription offer
1% cash back on all purchases2
Up to $5,000 credit limit
20.24% variable APR2
No SSN required for international students
$0 annual fee
Requires Enrollment Verification
Deserve ClassicDeserve Pro
Mastercard
Reap the rewards of established credit
No special offer
3% cash back on travel & entertainment3
2% cash back on restaurants3
1% cash back on all purchases3
Up to $10,000 credit limit
17.49% to 24.49% variable APR3
Available to L1 and H1B visa holders
$0 annual fee
Requires Employment and Income Verification

Apply for Pro

3Deserve Pro Terms and Conditions
Deserve ClassicDeserve Classic
Mastercard
Build credit
No special offer
No cash back
Up to $1,500 credit limit
24.49% variable APR1
—
$39 annual fee
Requires Employment and Income Verification

Apply for Classic

1Deserve Classic Terms and Conditions

Applying is easy

Deserve is designed for people with no credit history or FICO score. We use machine learning to analyze your digital financial records to make credit available and evaluate you for higher credit limits and product upgrades.

STEP 1

Tell us about yourself

Share information about yourself, your education and your income.

STEP 2

Connect your bank account

Unlike other cards that rely only on your credit history, Deserve uses machine learning to analyze your digital financial records to make credit available and evaluate you for higher credit limits and product upgrades. We can only view your bank account information, similar to a bank statement. We cannot make any changes and we do not store your login credentials on our system, or share your information with anyone.

STEP 3

Get a decision

Most applications get a decision within 
60 seconds.

Information for international students

Here’s what you need to know:

  • You must be 18 years or older
  • No credit history required
  • No SSN required
  • No annual fee

Here's what you'll need:

  • Proof of a U.S. bank account balance
  • Your passport ID
  • Your Student Visa
  • Your I-20 form

Here's how you can upload:

  • Smartphone camera image
  • Image saved on cloud storage service
  • Image scanned and saved on computer

The Deserve Mastercard is issued by Celtic Bank, a Utah-Chartered Industrial Bank, Member FDIC. Additional fees and restrictions may apply.

All cards include the following benefits

NEW Cellphone Protection

Coverage for up to $600 when your cellphone is stolen or damaged.

Car Rental Collision Damage Waiver

Coverage for physical damage and theft of the vehicle, including towing charges and reasonable loss of use charges.

Travel Assistance Services

Lost luggage, medical assistance, and legal referrals when you’re traveling 50 miles or more from home.

Extended Warranty

Doubles the original manufacturer warranty up to a maximum of 12 months on most items you purchase.

Roadside Assistance

If your car breaks down on the road, just call 1-800-Mastercard and someone will come to your rescue.

Price Protection

Purchases are covered for 60 days from the date of purchase for the difference between the price you paid and the lower advertised price.

ID Theft Protection

If you believe you are a victim of identity theft, you'll have access to a number of identity theft resolution services.

Deserve credit cards are accepted everywhere Mastercard is accepted.

To file a claim or for more information about these services call 1-800-Mastercard or visit www.mycardbenefits.com