You Deserve Credit For Who You Are

At Deserve, you don’t need to have a credit history or a co-signer to get started in building your credit score. We look at your full picture, including your education, current financial health, and future employability and earnings potential. So whether you’re new to credit or have already established your credit, we have a great credit card for you.

Compare Our Credit Cards

 Want to Build Credit HistoryAlready Have Credit History
 
 
Deserve Classic
Mastercard
Deserve Edu
Mastercard
Deserve Pro
Mastercard
 Is designed for those who are new to credit and want to build a credit history. It does not require a security deposit or a co-signer. With responsible use, you may upgrade to Deserve Edu or Pro.Is designed to help college students build their credit history and enjoy great benefits while they are doing it. It includes Amazon Prime Student with Free 2-Day shipping, Prime video, and Prime music, and it provides 1% cash back on all purchase.Is designed for those who have already established a credit history, featuring higher credit limits and more cash back on the things that matter to you: 3% cash back on travel and entertainment, 2% cash back on restaurants, and 1% cash back on all other purchases.

 

 Deserve Classic
Mastercard
Deserve Edu
Mastercard
Deserve Pro
Mastercard
Annual Fee$39$0$0
Deposit Required?Not RequiredNot RequiredNot Required
APR23.99% variable119.74% variable216.99% to 23.99% variable3
Credit LimitUp to $1,500Up to $5,000Up to $10,000
Cash Rewards1% Cash Back on all purchases21% Cash Back on all purchases3
2% Cash Back on Restaurants3
3% Cash Back on Travel & Entertainment3
Promotional OfferAmazon Prime Student*None
Fees for Foreign TransactionsNo FeeNo FeeNo Fee
Fraud ProtectionYesYesYes
Requires SSN?RequiredNot RequiredRequired
Builds US Credit History?YesYesYes
First Late Fee WaiverYesYesYes
Accepted Everywhere?YesYesYes
Network Benefits
  • Car Rental Collision Damage Waiver
  • Roadside Assistance
  • Travel Assistance Services
  • Price Protection
  • Extended Warranty
  • ID Theft Protection
  • Car Rental Collision Damage Waiver
  • Roadside Assistance
  • Travel Assistance Services
  • Price Protection
  • Extended Warranty
  • ID Theft Protection
  • Car Rental Collision Damage Waiver
  • Roadside Assistance
  • Travel Assistance Services
  • Price Protection
  • Extended Warranty
  • ID Theft Protection

 

Want to Build Credit History

Deserve Classic
Mastercard

Is designed for those who are new to credit and want to build a credit history. It does not require a security deposit or a co-signer. With responsible use, you may upgrade to Deserve Edu or Pro.

Deserve Edu Mastercard

Is designed to help college students build their credit history and enjoy great benefits while they are doing it. It includes Amazon Prime Student with Free 2-Day shipping, Prime video, and Prime music, and it provides 1% cash back on all purchase.

Already Have Credit History

Deserve Pro
Mastercard

Is designed for those who have already established a credit history, featuring higher credit limits and more cash back on the things that matter to you: 3% cash back on travel and entertainment, 2% cash back on restaurants, and 1% cash back on all other purchases.

Compare Cards Side by Side

Deserve Classic Mastercard
Deserve Classic Mastercard
Deserve Edu Mastercard
Deserve Edu Mastercard
Deserve Pro Mastercard
Deserve Pro Mastercard
Is designed for those who are new to credit and want to build a credit history. It does not require a security deposit or a co-signer. With responsible use, you may upgrade to Deserve Edu or Pro.Is designed to help college students build their credit history and enjoy great benefits while they are doing it. It includes Amazon Prime Student with Free 2-Day shipping, prime video, and prime music, and it provides 1% cash back on all purchase.Is designed for those who have already established a credit history, featuring higher credit limits and more cash back on the things that matter to you: 3% cash back on travel and entertainment, 2% cash back on restaurants, and 1% cash back on all other purchases.
1 Terms and Conditions2 Terms and Conditions3 Terms and Conditions
Annual Fee
$39$0$0
Deposit Required?
Not RequiredNot RequiredNot Required
APR
23.99% variable119.74% variable216.99% to 23.99% variable3
Credit Limit
Up to $1,500Up to $5,000Up to $10,000
Cash Rewards
1% Cash Back on All Purchases21% Cash Back on All Purchases3 2% Cash Back on Restaurants3 3% Cash Back on Travel & Entertainment3
Promotional Offer
Amazon Prime Student*None
Fees for Foreign Transactions
No FeeNo FeeNo Fee
Fraud Protection
YesYesYes
Requires SSN?
RequiredNot RequiredRequired
Builds U.S. Credit History?
YesYesYes
First Late Fee Waiver
YesYesYes
Accepted Everywhere?
YesYesYes
Network Benefits
  • Car Rental Collision Damage Waiver
  • Roadside Assistance
  • Travel Assistance Services
  • Price Protection
  • Extended Warranty
  • ID Theft Protection
  • Car Rental Collision Damage Waiver
  • Roadside Assistance
  • Travel Assistance Services
  • Price Protection
  • Extended Warranty
  • ID Theft Protection
  • Car Rental Collision Damage Waiver
  • Roadside Assistance
  • Travel Assistance Services
  • Price Protection
  • Extended Warranty
  • ID Theft Protection

 

Mastercard Platinum Benefits

Car Rental Collision Damage Waiver - When you use your SelfScore Mastercard to pay for your car rental and decline CDW insurance from the car rental company, you receive coverage for physical damage and theft of the vehicle, towing charges and reasonable loss of use charges.
Travel Assistance Services (including: Medical Assistance, Lost Luggage Assistance, and Legal Referrals) - Designed to assist you or your travel companions 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. This service is not only reassuring but it may also save you money because fees for many services are pre-negotiated.
Price Protection - Purchases you make entirely on your card are covered for 60 day from the date of purchase for the difference between the price you paid and the lower advertised price.
ID Theft Protection - Access to a number of Identity Theft resolution services, should you believe you are a victim of Identity Theft.

If you want to learn more about these benefits click here

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

Already a SelfScore Customer?

We have great news — you can start taking advantage of Deserve benefits immediately.

Sign up for Amazon Prime Student with your SelfScore Mastercard and we’ll pay up to $49 for your subscription. That’s right, if you are still a SelfScore customer and still a student, we’ll pay for all the great Amazon Prime benefits, like Free 2-day shipping, Prime Video, and Prime Music. Just make sure to use your SelfScore Mastercard as your payment method when you enroll in Amazon Prime Student.

How to Enroll:

1

 Sign up for Amazon Prime Student using your SelfScore Mastercard as your payment method.

2

 When Amazon charges your SelfScore card, we will issue statement credits for $5.49 per month for the monthly payment plan or $49 for the annual payment plan. The life-time total benefit per cardholder is $49 and your account must be in good standing when the charge(s) appear.

See Amazon Prime Student offer terms and conditions.

If you've already graduated, or are not still a student, please learn more about Deserve Pro above.

And if you still have questions, please see our FAQ to learn more about what to expect in the coming months.

IMPORTANT INFO FOR INTERNATIONAL STUDENTS APPLYING FOR THE DESERVE EDU CARD

Here’s what you need to know:

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

If you’re an international student, be sure to have these documents in hand:

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

How you can upload required documents:

  • 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.