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Kevin Joey Chen is a credit cards writer at finder.com. He's passionate about helping you get your finances in order and travel the world like a pro. He's taken an extended trip around Europe as a digital nomad, gaining firsthand experience with exchange rates, ideal (and not-so-ideal) credit and debit cards, foreign transactions and budgeting strategies. He earned his BA from UC Davis and has written across many niches at Finder, including cryptocurrency, personal loans, car insurance, real estate and money transfers.
Unlike other credit cards in Deserve’s suite of products, the Deserve® PRO is designed for customers with established credit. It doesn’t offer a signup bonus, but you’ll earn decent cash back in travel, entertainment and dining, making it a solid option if you’re a social butterfly who’s always on the move.
Annual fee: $0.
Deserve rewards you for your established credit by allowing you to earn rewards without an annual fee.
Rewards: Up to 3% cash back.
Earn 3% cash back on travel and entertainment and 2% back when dining out at restaurants on up to $500 in combined purchases each billing cycle. After that, your rate reverts to 1%. These are strong rates, especially without an annual fee.
On everything else, you’ll earn 1% cash back.
Earn a one-year Priority Pass™ Select membership when you spend $1,000 on purchases in the first 90 days from account opening.
You’re welcome to apply if you’re an L1 or H1B visa holder.
Unlike other providers that require residency for approval, Deserve encourages even visa holders to apply.
How much cash back can I earn with this card?
The Deserve® PRO is designed for cardholders who like a night — or day — out on the town. You’ll earn strong cash back in travel, entertainment and dining on up to $500 in combined purchases each billing cycle, reverting to 1% after that. Earn 1% on all other purchases.
Here’s how much you could earn on typical spending:
At 3% cash back, $10,000 a year on travel and entertainment could earn you $300.
At 2% cash back, $5,000 a year on dining could earn you $100.
At 1% cash back, $7,000 a year on other spending could earn you $70.
You won’t pay a fee when you use this card abroad or exceed your credit limit.
Cell phone insurance.
If you pay your monthly phone bill with your card, you get up to $600 if your phone is damaged or stolen.
Take advantage of extended warranties on eligible items you buy with your card. And with price protection, you could be reimbursed the difference on eligible items if you find a better price elsewhere.
Mastercard travel protection.
Call up Mastercard Travel Assistance Service for help with lost luggage, legal referrals or medical assistance when you travel 50 miles or more from home.
You’ll also receive complimentary collision damage waivers on rental cars purchased with your card. And you can call Mastercard Roadside Assistance if you’re stranded on the side of the road.
What to watch out for
Potentially high APR for purchases.
Those without strong creditworthiness could receive a variable purchase APR that’s as high as 24.74%. The lowest rate you can qualify for is 17.74% variable.
For each late payment, you’ll pay a fee of up to $25. For each returned payment, you’ll pay a fee of up to $37.
Compare cashback credit cards
What should I know before I apply?
You must be at least 18 years old to apply for this card. If you’re under 21, you’ll need to prove you have the financial capacity to pay your card bill each month.
Unlike other cards, you don’t need to be a US citizen to apply for the card.
Full name and email address.
Date of birth and citizenship status.
Contact information and address.
Financial information, like your employment details and annual income.
What credit score do I need?
You have a better chance of approval with a good to excellent credit score of 670 to 850. However, you might qualify for the card even if you have fair or no credit.
Deserve’s proprietary algorithms weigh factors like your income and education to determine whether you’re eligible.
What do customers say about the Deserve® PRO?
Some customers online say they’ve had difficulty with transactions due to Deserve’s security measures. Many customers report a low starting credit limit of around $1,000.
On Deserve’s Better Business Bureau page, you’ll find nearly 10 customer complaints as of this writing. However, the BBB reports that all of them have been answered or resolved — a sign of good support.
Celtic Bank, the managing bank of this card, is not accredited with the BBB. It earns a B rating in light of its failure to respond to 21 customer complaints.
You don’t need to do anything to redeem your rewards. Deserve automatically redeems your cash back as statement credit in $25 increments.
No, as long as your card remains open and in good standing.
Yes. Deserve includes a notice of why you were denied.
No. Deserve assigns you a credit limit after you’re approved for the card.
Call Deserve customer support at 800-418-2362.
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