Deserve Classic® Mastercard review

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6.5/10
Informr score
The Deserve Classic® Mastercard currently has an Informr score of 6.5 out of 10. This score is based on our evaluation of 7 sources including reviews from users and the web's most trusted critics.

Am I eligible?


Deserve Classic® Mastercard is typically available to those with poor credit scores (650 or greater).
To get this card, you must also:
Yes Be a permanent or temporary resident of USA

Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.

What the Critics Are Saying...


Compare Cards

The Deserve® Classic Mastercard is a solid choice for consumers who have fair/good credit or no credit and are looking for a simple credit card to boost their credit score. There is no security deposit required with this card, so you won't have to put down any cash upfront to get approved.

- Compare Cards
Money Crashers

A solid choice for consumers who’ve gotten used to hearing “no” from major credit card issuers. Don’t get me wrong; it’s not perfect, not by a long shot. But it could be your best – and most affordable, provided you pay your bills on time and don’t charge more than you can afford – option for settin...

- Brian Martucci, Money Crashers
Cardcruncher

The Deserve Classic Mastercard is best for people who want a high credit limit but are unable to qualify for most credit cards. Most people would be better served with a card that charges no annual fee even if it has a lower limit. A secured card that offers some form of rewards might be a better fi...

- TJ Porter, Cardcruncher
Finder

Pound for pound, the Deserve Classic isn’t a particularly attractive card. It doesn’t come with perks like rewards or a signup bonus, and it charges a $39 annual fee. However, that may be the price of admission if you’re new to credit. Because Deserve deploys a non-traditional method for customer sc...

- Finder
WalletHub

Deserve Classic will help you build credit if you pay your bill on time every month, but it doesn’t bring much else to the table, save for the opportunity to earn refer-a-friend bonuses.

- John S Kiernan, WalletHub

Details


Interest Rates
Regular APR Interest Rate 24.99%
Balance Transfer Interest Rate

Balance Transfers Not Allowed

Cash Advance Interest Rate

Cash Advances Not Allowed

Rates & Fees
Annual Fee $39.00
Balance Transfer Fee
Cash Advance Fee
Foreign Transaction Fee $0.00
Over Limit Fee $0.00
Late Payment Fee $25.00

- Maximum

- First late fee waived

Promotions
Sign up bonus No
Rewards
All Purchases No
Restaurants No
Gas No
Groceries No
Hotels No
Travel No
Pharmacy No
Bills No
Features & Benefits
Additional Card Holders No
Travel Accident Insurance No
Car Rental Insurance Yes
Car Rental Discount No
Extended Warranty Yes
Purchase Protection No
Zero Liability No
No Foreign Transaction Fees Yes
Emergency Assistance No
Concierge Service No
Price Protection Yes
Fraud Protection Yes
Free Credit Scores No
Wireless Payments No
Additional Benefits

- Roadside Assistance

- Travel Assistance Services

- Cellphone Protection

Eligibility
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents Yes
More
Additional comments
Terms & Conditions Official Terms & Conditions
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Information in this article is believed to be accurate at the time it was written, but terms and conditions may change at any time. All information is presented without warranty or guarantee. Please verify all terms and conditions of any credit card prior to applying.

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Critic Reviews


Compare Cards

A no-frills credit card for building credit

Compare Cards

The Deserve® Classic Mastercard is a solid choice for consumers who have fair/good credit or no credit and are looking for a simple credit card to boost their credit score. There is no security deposit required with this card, so you won't have to put down any cash upfront to get approved.

Read full review

The Deserve® Classic Mastercard is a solid choice for consumers who have fair/good credit or no credit and are looking for a simple credit card to boost their credit score. There is no security deposit required with this card, so you won't have to put down any cash upfront to get approved.

Read full review

Less

Money Crashers

An ideal first credit card for frugal consumers

from Money Crashers

A solid choice for consumers who’ve gotten used to hearing “no” from major credit card issuers. Don’t get me wrong; it’s not perfect, not by a long shot. But it could be your best – and most affordable, provided you pay your bills on time and don’t charge more than you can afford ...More

A solid choice for consumers who’ve gotten used to hearing “no” from major credit card issuers. Don’t get me wrong; it’s not perfect, not by a long shot. But it could be your best – and most affordable, provided you pay your bills on time and don’t charge more than you can afford – option for setting out on the road to better credit sooner rather than later.

Read full review

Less

Cardcruncher

No credit history required

from Cardcruncher

The Deserve Classic Mastercard is best for people who want a high credit limit but are unable to qualify for most credit cards. Most people would be better served with a card that charges no annual fee even if it has a lower limit. A secured card that offers some form of rewards might be a better fit for other consumers.

Read full review

The Deserve Classic Mastercard is best for people who want a high credit limit but are unable to qualify for most credit cards. Most people would be better served with a card that charges no annual fee even if it has a lower limit. A secured card that offers some form of rewards might be a better fit for other consumers.

Read full review

Less

Finder

One of the few unsecured cards you may qualify for

Pound for pound, the Deserve Classic isn’t a particularly attractive card. It doesn’t come with perks like rewards or a signup bonus, and it charges a $39 annual fee. However, that may be the price of admission if you’re new to credit. Because Deserve deploys a non-traditional method for c...More

Pound for pound, the Deserve Classic isn’t a particularly attractive card. It doesn’t come with perks like rewards or a signup bonus, and it charges a $39 annual fee. However, that may be the price of admission if you’re new to credit. Because Deserve deploys a non-traditional method for customer screening, it could be one of the few companies that’ll approve you for an unsecured card. What’s more, it could be your path to more lucrative cards.

Read full review

Less

WalletHub

A starter credit card

from WalletHub

Deserve Classic will help you build credit if you pay your bill on time every month, but it doesn’t bring much else to the table, save for the opportunity to earn refer-a-friend bonuses.

Read full review

Deserve Classic will help you build credit if you pay your bill on time every month, but it doesn’t bring much else to the table, save for the opportunity to earn refer-a-friend bonuses.

Read full review

Less

Credit Card Insider

A strong option if you have poor or no credit

from Credit Card Insider

It’s a decent offer considering the terms and fees. Although there’s an annual fee of $39 and you won’t earn any rewards, this card is designed only to help you build or improve your credit, and it has the capability to do that quite well.

Read full review

It’s a decent offer considering the terms and fees. Although there’s an annual fee of $39 and you won’t earn any rewards, this card is designed only to help you build or improve your credit, and it has the capability to do that quite well.

Read full review

Less

HighYa

Provides a very strong set of features, benefits and fees

from HighYa

This credit card is an excellent fit if you have no or low credit and not enough money to make the $200-$300 deposit required to open certain secured credit cards. This card is also a good fit for someone who travels outside of the United States a lot while rebuilding their credit.

Read full review

This credit card is an excellent fit if you have no or low credit and not enough money to make the $200-$300 deposit required to open certain secured credit cards. This card is also a good fit for someone who travels outside of the United States a lot while rebuilding their credit.

Read full review

Less

User Reviews


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