Compare Deserve credit cards 2019 |

Is a Deserve credit card right for you?

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

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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.

Our pick for a Deserve credit card

Deserve® Classic Card

  • Apply if you’re new to credit or have a credit score of at least 650
  • $0 annual fee
  • No security deposit required
  • Credit limit up to $1,500
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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 Filter values Rewards Purchase APR Annual fee
3% back on travel and entertainment and 2% on dining up to $500 combined each billing cycle, then 1% after that and on all other purchases
17.99% to 24.99% variable
Earn 3% cash back on travel and entertainment and 2% at restaurants on the first $1,000 spent on purchases each billing cycle (then 1%). Earn 1% on all other purchases.
24.99% variable
Designed to help build credit history with no deposit required. Apply if you're new to credit or have a fair to good score over 650.
1% cash back on all purchases
20.74% variable
Designed for college students to build credit history and earn rewards.

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Deserve® Classic Card: For customers new to credit

Deserve® Classic Card
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If 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 Card comes in.

Deserve® Edu Card: For college students

Deserve® Edu Card
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As 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 Card 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.

Deserve® PRO: For customers who want powerful rewards

Deserve® PRO
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For a card with great cash back rewards, try the Deserve® PRO. It offers 3% cash back on travel and entertainment and 2% on restaurants on up to $500 in combined purchases each billing cycle. Earn 1% after that and on all other purchases. Plus, 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® PRO, 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.
Deserve® credit cards screenshot

Information you’ll need for a Deserve® PRO 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.

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