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Deserve EDU

Earn 1% Cash Back on all purchases with your Deserve EDU Mastercard. Once approved, you'll automatically start earning cash back on all purchases.

Credit Recommended:


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    CARD TYPE: Unsecured

    Unsecured credit cards offer a revolving credit line and not requiring an initial deposit.

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    WHO CAN GET IT: Student

    These cards are for high school or college students and will help them start building their credit history

  • 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®.
    Intro APR on Purchases:
    Regular APR:
    20.24% Variable
    Minimum Grace Period:
    See terms
    Intro APR on Balance Transfers:
    Regular APR:
    Balance Transfer Fee:
    Intro APR on Cash Advances:
    Regular APR:
  • FEES
    Annual Fee:
    Application Processing Fee:
    See terms
Deserve EDU

Questions & Answers about the card:

I want a cash back credit card that will also allow me to build my credit further. I’ve just started building credit and want to build it fast. Is it possible to get such card?

First of all, credit building is not a fast process. However, you can give a boost to your credit score when you use credit cards regularly and make all monthly due payments with all your creditors on time. As for a credit card with cash back, since you’ve just started building your credit, you can choose from the cards designed for people with limited credit. The cards can offer cash back rewards on all your purchases or on purchases in specific shopping categories. Make sure you are aware of the fees and interest rates before you apply for a credit card. Credit cards for limited credit often come with fees when they have a rewards program.

How do I know if the card has an annual fee and what APR I will have if apply?

First of all, here at, you will find comprehensive descriptions of all credit cards. The cards’ details include fees, interest rates, and main benefits. If you need more details for a specific offer, you can click on the ‘apply’ button to get redirected to the card’s application page. You will find the card’s terms and conditions on that page. The complete set of terms and conditions, with your individual rates and credit limits, will be sent to you by the issuer once you are approved for the card.

How do I know if I qualify for an unsecured or secured account?

After you submit your application, the issuer will review all provided information and will decide whether you qualify or not. If you qualify for an unsecured account, the issuer will send you an approval notification online. If you are approved for a secured credit account, the issuer will send you an e-mail where the amount of the security deposit will be provided. You can pay the security deposit over the phone or online using the link provided by the issuer.

How to get a credit card that is best for me?

First of all, you should know your most current credit score. It is easier to find a credit card you will qualify for when you know your credit score. However, your credit score is not the only thing considered when you apply for a credit card. The way you manage other credit accounts, if you have any, defaults, bankruptcies, credit inquiries, and of course your income are also taken into account. So it is recommended to check credit reports before you apply for a credit card to make sure they are accurate and contain most current information.