Is a Deserve credit card right for you? |

Is a Deserve® credit card right for you?

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This fintech company evaluates customers based on factors other than just FICO scores.

Deserve is a company with a unique premise: It scopes out consumers who typically wouldn’t have access to credit cards.

When you apply for a Deserve card, the company uses its proprietary algorithm to gauge your potential as a customer. Deserve will consider factors such as:

  • Your education.
  • Your current financial health.
  • Your projected earnings.
  • Your future employability.

Deserve® Classic Card

Editor's pick: Deserve® Classic Card

Build credit history with $0 deposit.

  • $39 annual fee
  • No security deposit required
  • Credit limit up to $1,500

Many banks, on the other hand, simply look at traditional factors like your FICO score and current income.

Deserve offers a few credit cards for different needs: a credit-builder card, a student card and a card with strong rewards.

Deserve’s credit cards

Name Product Annual Fee Maximum Credit Limit APR (Annual Percentage Rate) for Purchases
24.74% variable
Designed to help build credit history with no deposit required and access to benefits.
20.49% variable
Designed for college students to build credit history and earn rewards.
Deserve® PRO
Deserve® PRO
17.99% to 24.99% variable
3% cash back on travel and entertainment; 2% at restaurants; 1% on all other purchases.

Compare up to 4 providers

Deserve Classic: For customers new to credit

Deserve® Classic CardIf you have no credit history, you might find it difficult to get approved for a credit card. That’s because banks want to see a record of you paying your card bills on time.

Because Deserve considers more factors than just credit scores, it’s willing to bring in customers that are new to credit. That’s where the Deserve Classic comes in.
Read our review of the Deserve Classic

Deserve Edu Mastercard: For college students

Deserve® Edu CardAs a college student, you may be at the perfect age to get a credit card. This can help you learn the ropes of using credit and paying off debt responsibly.

The Deserve Edu is a solid student credit card. With no annual fee, a free Amazon Prime Student offer and even cash back, it’s a strong choice for your first card.
Read our review of the Deserve Edu

Deserve Pro Mastercard: For customers who want powerful rewards

Deserve® Pro
For a card with great cash back rewards, try the Deserve Pro Mastercard. It offers 3% cash back on travel and entertainment, 2% on restaurants and 1% on all other purchases. And the earnings are all upside, because the card comes with no annual fee.

Deserve credit card benefits

All of Deserve’s products are Mastercards. Accordingly, they come with perks such as:

  • Car rental coverage.
  • Travel assistance services for lost luggage and medical assistance.
  • Extended warranties on products you buy.
  • Roadside assistance.
  • Price protection that partially reimburses you if you find lower prices on items you’ve purchased.

Learn more about Mastercards.

Deserve doesn’t offer balance transfers or cash advances. However, it charges no foreign transaction fees.

How to apply for a credit card with Deserve

If you’re interested in a Deserve credit card, check that you meet the eligibility criteria. You must be at least 18 years old to apply for a card with the company, but you don’t have to be a US citizen.

Always consider your options and your financial situation before you apply for a credit card.
Deserve® credit cards screenshot

Information you’ll need for a Deserve credit card application

  • Personal information. First and last name, email address, date of birth and citizenship status.
  • Contact information. Permanent address and primary phone number.
  • Financial information. Social Security number, monthly housing expense, monthly income, available assets, employment status, occupation and employer name.

Deserve customer support

If you have questions, contact Deserve customer support at 800-316-7258. Representatives are available at these times, Pacific standard time:

  • Monday to Thursday: 5 a.m. to 7 p.m.
  • Friday to Saturday: 5 a.m. to 3 p.m.

Bottom line

There are many credit card companies, but Deserve stands out with its unique philosophy on customer screening. If you’re having trouble getting approved for a card with another bank, Deserve may be the provider that welcomes you.

As always, compare your options with our comprehensive guide to credit cards.

Frequently asked questions

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US Credit Card Offers

Important Information*
Deserve® Classic Card
Deserve® Classic Card



Annual fee

0 For the first year
More info
Luxury Card Mastercard® Gold Card™
Luxury Card Mastercard® Gold Card™



Annual fee

995 For the first year
More info
First Access Visa Card®
First Access Visa Card®



Annual fee

75 For the first year
More info
Indigo® Platinum Mastercard® Credit Card
Indigo® Platinum Mastercard® Credit Card



Annual fee

75 For the first year
More info
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