Deserve® Classic Mastercard

Receive one year of Amazon Prime Student on Deserve after spending $500 in the first three billing cycles with your EDU card (Lifetime Value of $59). Earn 1% Cash Back on all purchases with your Deserve EDU Mastercard. Once approved, you'll automatically start earning cash back on all purchases. Feel secure with cell phone protection up to $600. No deposit required. No annual fees. No international transaction fees on purchases abroad so you can travel with confidence. No Social Security Number required for international students to apply. Refer A Friend Program: Refer anyone to Deserve using your personal referral code. Upon approval, card activation and use, you'll receive $30 and so will your referral. Referral bonuses are unlimited! Manage and track your spending, set automatic payments and securely freeze your card all through one easy to use app. See if you prequalify with no impact to your credit score in minutes. Deserve Mastercards are issued by Celtic Bank, Member FDIC. Enjoy Mastercard Platinum Benefits intended to make your life easier like Mastercard ID Theft Prevention™ and Master Rental®.

Nav's Verdict

60% Complete
Effort to Apply
10% Complete
Card Perks
30% Complete
50% Complete


Bottom Line

If you have no credit, this is an excellent way to secure credit without having to deposit a large amount first. With responsible use, you can build your credit and eventually qualify for a card with lower interest rates and possibly rewards.


No security deposit and no foreign transaction fees. Referral program to help you earn statement credits.


Higher interest rate. Not available to those with bad credit. Does not report to Equifax, but does report to both Experian and TransUnion.

Rates and Fees
Intro APR
Purchase APR
18.74% Variable
Annual Fee
Welcome Offer
Rewards Rate
Earn 1% Cash Back on all purchases with your Deserve EDU Mastercard.
Foreign Transaction Fee


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