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.
- Brett Holzhauer, ValuePenguinThe 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.
- Compare CardsThe 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.
- Brian Martucci, Money CrashersA 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...
- TJ Porter, CardcruncherThe 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...
- FinderPound 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...
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 |
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 |
Virtual Cards | 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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