Deserve® Edu Mastercard review

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Advertiser Disclosure

Interest Rate: Purchases
20.74%
Balance Transfer
-
Rewards
1% cashback
Signup Bonus
-


7.6/10
Informr score
The Deserve® Edu Mastercard currently has an Informr score of 7.6 out of 10. This score is based on our evaluation of 13 sources including reviews from users and the web's most trusted critics.

Am I eligible?


Deserve® Edu 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...


Money Crashers

I’ve reviewed a lot of student credit cards, and I can safely say that Deserve Edu is among the best of the bunch. Its unlimited cash back earning potential, foreign transaction fee waivers, and lax underwriting standards are all great news for student cardholders, particularly those with limited or...

- Brian Martucci, Money Crashers
Cardcruncher

You don't need a social security number to qualify. You just your student visa and proof of your U.S. bank account balance. The card does a lot more than just build credit, too. You earn 1% cash back on every purchase, and you get a free subscription to Amazon Prime Student. This combination of feat...

- Cardcruncher
CreditCards.com

Using a nontraditional approval process, the Deserve Edu Mastercard for Students helps international students and those without a credit history get access to credit and start building a reliable credit score.

- Robin Ratcliff, CreditCards.com
Cardcruncher

The Deserve Edu Mastercard is a good way for college students to begin building their credit. Its rewards aren’t as enticing as some of the top credit cards, but sometimes too many rewards can encourage overspending. This won’t be an issue with the Deserve Edu Mastercard, so it’s a solid choice if y...

- Kailey Fralick, Cardcruncher
AskSebby

The Deserve Edu Mastercard is a great option for international students since it does not require an SSN. Their goal is to help you build your credit history, and no deposit or co-signer is required. The highlights of the Deserve Edu Mastercard are that it doesn't have an annual fee, it has competit...

- AskSebby

Details


Interest Rates
Regular APR Interest Rate 20.74%
Balance Transfer Interest Rate

Balance Transfers Not Allowed

Cash Advance Interest Rate

Cash Advances Not Allowed

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

Maximum

Promotions
Sign up bonus

Deserve will pay for Amazon Prime Student, get free Video, Music, and Reading (Up to a life-time total of $49).

Rewards
All Purchases 1% cash back
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


Money Crashers

A strong choice for credit-challenged U.S. students

from Money Crashers

I’ve reviewed a lot of student credit cards, and I can safely say that Deserve Edu is among the best of the bunch. Its unlimited cash back earning potential, foreign transaction fee waivers, and lax underwriting standards are all great news for student cardholders, particularly those with limited or nonexistent credit histories.

Read full review

I’ve reviewed a lot of student credit cards, and I can safely say that Deserve Edu is among the best of the bunch. Its unlimited cash back earning potential, foreign transaction fee waivers, and lax underwriting standards are all great news for student cardholders, particularly those with limited or nonexistent credit histories.

Read full review

Less

Cardcruncher

Designed for internationals students, offering easy approval and solid rewards

You don't need a social security number to qualify. You just your student visa and proof of your U.S. bank account balance. The card does a lot more than just build credit, too. You earn 1% cash back on every purchase, and you get a free subscription to Amazon Prime Student. This combination of f...More

You don't need a social security number to qualify. You just your student visa and proof of your U.S. bank account balance. The card does a lot more than just build credit, too. You earn 1% cash back on every purchase, and you get a free subscription to Amazon Prime Student. This combination of features make the Deserve Edu Mastercard an all-around attractive card.

Read full review

Less

CreditCards.com

A below average rewards program

from CreditCards.com

Using a nontraditional approval process, the Deserve Edu Mastercard for Students helps international students and those without a credit history get access to credit and start building a reliable credit score.

Read full review

Using a nontraditional approval process, the Deserve Edu Mastercard for Students helps international students and those without a credit history get access to credit and start building a reliable credit score.

Read full review

Less

Cardcruncher

A solid choice for students

from Cardcruncher

The Deserve Edu Mastercard is a good way for college students to begin building their credit. Its rewards aren’t as enticing as some of the top credit cards, but sometimes too many rewards can encourage overspending. This won’t be an issue with the Deserve Edu Mastercard, so it’s a solid ch...More

The Deserve Edu Mastercard is a good way for college students to begin building their credit. Its rewards aren’t as enticing as some of the top credit cards, but sometimes too many rewards can encourage overspending. This won’t be an issue with the Deserve Edu Mastercard, so it’s a solid choice if you’re looking to build responsible habits along with a credit history.

Read full review

Less

AskSebby

Best card for international students

The Deserve Edu Mastercard is a great option for international students since it does not require an SSN. Their goal is to help you build your credit history, and no deposit or co-signer is required. The highlights of the Deserve Edu Mastercard are that it doesn't have an annual fee, it has compe...More

The Deserve Edu Mastercard is a great option for international students since it does not require an SSN. Their goal is to help you build your credit history, and no deposit or co-signer is required. The highlights of the Deserve Edu Mastercard are that it doesn't have an annual fee, it has competitive perks, earns 1% cash back, and you don't need an SSN to qualify. 

Read full review

Less

LendEDU

A better option than some comparable student credit cards

from LendEDU

The Deserve EDU Mastercard is a strong choice for college students who have a minimal credit history or a low credit score but want to earn rewards on everyday purchases. Because the card has no annual or foreign transaction fees, and there are no limits on rewards, this is a better option for some students as a beginner rewards card.

Read full review

The Deserve EDU Mastercard is a strong choice for college students who have a minimal credit history or a low credit score but want to earn rewards on everyday purchases. Because the card has no annual or foreign transaction fees, and there are no limits on rewards, this is a better option for some students as a beginner rewards card.

Read full review

Less

Finder

A good student credit card

It doesn’t offer much that the Discover it Chrome and Capital One Journey don’t, but the Deserve Edu is still a great student card. Cash back is a nice touch, as is the free Amazon Prime Student subscription. And if you’re having trouble being approved by other banks, Deserve may be the company that welcomes you.

Read full review

It doesn’t offer much that the Discover it Chrome and Capital One Journey don’t, but the Deserve Edu is still a great student card. Cash back is a nice touch, as is the free Amazon Prime Student subscription. And if you’re having trouble being approved by other banks, Deserve may be the company that welcomes you.

Read full review

Less

Credit Karma

A good option for students looking to build credit

from Credit Karma

Deserve Edu Mastercard is a solid student credit card for college students who don’t have a credit history — it offers rewards, no annual fee and other student-friendly perks.

Read full review

Deserve Edu Mastercard is a solid student credit card for college students who don’t have a credit history — it offers rewards, no annual fee and other student-friendly perks.

Read full review

Less

WalletHub

Certainly is deserving of consideration

from WalletHub

The Deserve Edu Mastercard for Students is a solid choice for anyone who's currently enrolled in a U.S. college or university, particularly international students and fans of Amazon.com.

Read full review

The Deserve Edu Mastercard for Students is a solid choice for anyone who's currently enrolled in a U.S. college or university, particularly international students and fans of Amazon.com.

Read full review

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Bank Deal Guy

You can build your credit history and enjoy great benefits simultaneously

from Bank Deal Guy

With this card you earn 1% Cash Back on all purchases. This card also has no annual fee! It’s a pretty good card to start off with if it’s your first one, and is especially good if you’re a college student because of all the additional benefits offered. 

Read full review

With this card you earn 1% Cash Back on all purchases. This card also has no annual fee! It’s a pretty good card to start off with if it’s your first one, and is especially good if you’re a college student because of all the additional benefits offered. 

Read full review

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User Reviews


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