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Deserve Classic® Mastercard review

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Informr score
The Deserve Classic® Mastercard currently has an Informr score of 6.8 out of 10. This score is based on our evaluation of 8 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...


The Deserve® Classic Credit Card is a very basic credit card for building credit. It gives cardholders the chance to build their credit without an upfront deposit, as they would with a secured credit card.

- Brett Holzhauer, ValuePenguin
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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.

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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

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

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...

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Interest Rates
Regular APR Interest Rate 22.99% (Variable)
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

Sign up bonus No
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
Virtual Cards No
Additional Benefits

- Roadside Assistance

- Travel Assistance Services

- Cellphone Protection

Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents Yes
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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