Deserve Edu Mastercard for Students review |

Deserve® Edu Card for Students review

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Deserve® Edu Card Learn more Apply now

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  • Once approved, you will typically receive your credit card within 1-2 weeks
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Explore a student card that offers cash back, no annual fee and an Amazon Prime Student credit.

30-second take

  • Get this card if you want cash back and like shopping at Amazon.
  • Consider another card if you’ve already established strong credit.
  • Customers new to credit are welcome to apply.
Product NameDeserve® Edu Card
Card TypeMastercard
Annual Fee$0
APR (Annual Percentage Rate) for Purchases20.99% variable
Introductory Purchase APR


Introductory Balance Transfer APR


Foreign Transaction FeeNone
Interest Free PeriodUp to 23 days
Late Payment FeeUp to $25
Returned Payment FeeUp to $37
Additional Cardholder Fee$0
Minimum Age18 years of age
Reward Value per Dollar1% cash back
Rewards Points ExpirationNever
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The basics

Is the Deserve® Edu Card a good student credit card? Absolutely: It hits the high notes of its competitors, such as cash back, no annual fee and even has no foreign transaction fees.

Silicon Valley-based Deserve also offers a big benefit that differentiates its student card:

Non-traditional customer screening. When considering your application, Deserve looks at factors like your education, future employability and projected earnings — not just your credit score. And if you’re an international student, you don’t need a Social Security number.

The perks

  • Rewards: 1% cash back on all purchases.
    The Deserve® Edu Card isn’t the only student product that offers rewards, but its 1% cash back is comparable to what you’d get from big-bank cards.
  • Annual fee: None.
    A $0 annual fee is an excellent benefit, especially if you’re on a shoestring budget.
  • Credit for an Amazon Prime Student subscription.
    When you use your Deserve® Edu Card for an Amazon Prime Student subscription, Deserve reimburses you. The lifetime maximum reimbursement is $59. This is a valuable perk that sets the Deserve® Edu Card apart from the competition. However, treat it like a signup bonus, as you won’t receive this Amazon Prime Student credit once you hit the cap.

How much cashback rewards can I earn with the Deserve® Edu Card?

Suppose you spend $1,000 per month, you’d earn $120 in cash back every year. Also, if you pay for an Amazon Prime Student subscription, Deserve will reimburse you up to $59 — the annual cost for the subscription. This will make your rewards for the first year $179.

You’ll also like …

  • No deposit required.
    Sometimes you won’t qualify for a “normal” credit card — or what the industry calls an unsecured card. Your options may get limited to secured credit cards, meaning you’ll put down a deposit before you can start using it.

    The Deserve® Edu Card doesn’t require a deposit. This can be very helpful, since you won’t have to lock down $200 or $300 just to use your card.

Secured vs. unsecured cards: What’s the difference?

  • You don’t need a cosigner.
    Some banks require cosigners for credit card applicants younger than 21. Deserve doesn’t, but you may need to prove you can independently pay your card bill.

The “under 21” guide to credit cards

  • No foreign transaction fees.
    When you use a credit card abroad, most banks add a foreign transaction fee of 3% for everything you buy. While it’s a small percentage, it can add up over many purchases.

    The Deserve® Edu Card comes with no foreign transaction fees. That makes it a great choice to bring with while studying abroad or on your upcoming summer trip.

  • No Social Security number required if you’re an international student.
    Getting a credit card as an international student can be challenging, especially because many banks require a Social Security number.

    Deserve waives this requirement if you’re an international student. Just provide your student visa, passport ID, I-20 form and proof of a US bank account balance.

Other benefits

  • No penalty APR.
  • No over-the-credit-limit fee.
  • Car rental collision damage waivers when you book car rentals with your card.
  • Travel assistance services for lost luggage and medical assistance. Valid when you’re more than 50 miles from home.
  • Extended warranties on eligible products you buy with your card.
  • Roadside assistance.
  • Price protection that partially reimburses you if you find lower prices on items you’ve purchased.

What to watch out for

  • Relatively high APR.
    Interest rates for student credit cards are typically high, since students might not have strong credit scores. A lower score will likely land you with higher interest rates.

    The Deserve® Edu Card has a purchase APR of 20.99% variable — not unheard of by student credit card standards, but still relatively high. The average credit card APR is around 16%. Consider paying off your balance each month, which will save you from accruing interest on your purchases. This is a great habit to start now that can serve you well in the future.

  • No balance transfers or cash advances.
    Balance transfers let you move debt from other sources to your credit card. Cash advances let you draw cash from your credit card. Most cards let you make these transactions, but the Deserve® Edu Card doesn’t.

    Though that technically limits your options, it might not be a bad thing. Consumers often get in trouble with balance transfers and cash advances, accumulating debt on their credit cards that eventually becomes difficult to manage. You can keep things simple by sticking to purchases only.

Compare student credit cards

Name Product Filter values APR (Annual Percentage Rate) for Purchases Annual Fee Interest Free Period
20.99% variable
Up to 23 days
Designed for college students to build credit history and earn rewards.
25.24% variable
Up to 23 days
Designed to help build credit history with no deposit required and access to benefits.
17.49% variable
Up to 21 days
Credit card for professionals relocating to America without a US credit history.
13.40% to 23.40% variable
Up to 25 days
Earn 3% back on gas and groceries for the first 6 months. Then earn 1% on those purchases and on everything else.
26.99% variable
Up to 25 days
Earn 1% cash back on all your purchases. Pay on time to boost your cash back to a total of 1.25% for that month.

Compare up to 4 providers

What should I know before I apply?

To apply for the Deserve® Edu Card, you must be at least 18 years old. You must also currently be enrolled in a US college or university.

You can apply for the card even if you’re an international student.

Information you’ll need

  • Your full name and contact information.
  • Your residential status.
  • Your annual income, source of income and employment information.
  • Your Social Security number if you’re a US citizen or permanent resident.
  • Your student visa, passport and I-20 form if you’re an international student.
  • Your current bank account information.

What credit score do I need?

You don’t need a credit history to apply for the Deserve® Edu Card. If have a credit score already, you’ll increase your chances of approval the higher your score is.

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What do customers say about the Deserve® Edu Card?

Many cardholders say this is a good starter credit card. International students particularly seem to like this card, as it doesn’t require a Social Security number.

Deserve is accredited by the Better Business Bureau (BBB). There are currently six complaints on its profile; however, the BBB says these have been answered or resolved.

How to apply for the Deserve® Edu Card

  1. Go to the Deserve website and click Apply for Edu.
  2. Complete the application with details like your name, contact information and student status.
  3. Continue with the application by adding your address, academic information, Social Security number, employment status and monthly income.
  4. Connect your bank account. This allows Deserve to read and analyze your financial records to determine an appropriate credit limit — it can’t make any changes to the connected account.
  5. Review and submit your application.

Deserve Edu Student card application screenshot

When will I get my Deserve® Edu Card?

Because conditional approval is automated on the Deserve website, you’ll often get a decision within 60 seconds. In some cases, you’ll need to wait a few business days to a few weeks to receive a response.

Upon approval, you’ll get your card in the mail within 7 to 10 business days.

I got the card. Now what?

  • Make timely payments. Set up autopay or make a one-time payment online at the Deserve website.
  • Avoid interest. After the close of each billing cycle, you have a grace period of 23 days to pay your balance. If you do, you won’t pay interest on your purchases.
  • Avoid fees. Late payments come with fees of up to $25.
  • Contact customer service. If you have questions, contact Deserve customer support at 1-800-316-7258. Representatives are available Monday through Friday from 7 a.m. to 5 p.m. and Saturday from 7 a.m. to 12 p.m. Pacific Standard Time.

How do I redeem rewards from Deserve® Edu Card?

Deserve will automatically redeem your cash back as statement credit in $25 increments.

Bottom line

It doesn’t offer much that the Discover it® Chrome for Students and Journey® Student Credit Card from Capital One® don’t, but the Deserve® Edu Card is still a solid student card. Cash back is a nice touch, as is the credit for your Amazon Prime Student subscription. And, if you’re having trouble getting approved by other banks, Deserve may be the provider that welcomes you.

Still not sure this is the right card for you? Take the time to compare your options with our comprehensive guide to credit cards.

Frequently asked questions


Kevin Joey Chen

Kevin Chen is a world-travelin', copy-writin', Game of Thrones-watchin' credit cards writer for When he's not crunching the numbers on bonus points and comparing APRs, you can find him flying around the world in search of the perfect beer.

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