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Deserve® Edu Mastercard review

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Advertiser Disclosure

Annual Fee
Interest Rate: Purchases
21.74% (Variable)
Interest Rate: Purchases
21.74% (Variable)
Balance Transfer
Balance Transfer
1% cashback
1% cashback
Signup Bonus
Signup Bonus

Informr score
The Deserve® Edu Mastercard currently has an Informr score of 8.5 out of 10. This score is based on our evaluation of 22 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...


One of the most difficult financial tasks for people new to the United States is building credit history. That can be doubly difficult for students, who often don't have income to show their ability to pay credit card bills. The Deserve Edu Mastercard solves both of those issues, offering internatio...

- Cardcruncher

The Deserve EDU Mastercard could be an excellent beginner credit card for students who want a rewards card but don’t have sufficient credit history to qualify for better options. It doesn’t have the best rewards rate, but it’s better than most secured credit cards that don’t offer any rewards. In ad...

- Ben Walker, FinanceBuzz

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,

The Deserve® EDU Mastercard for Students is a good choice for anyone who’s currently enrolled in a U.S. college or university, particularly international students and fans of The Deserve EDU Card is worth it because it doesn’t charge an annual fee, but does offer rewards: 1% cash back on...

- John S Kiernan, WalletHub

The Deserve EDU Student Credit Card is a solid choice of credit card. It offers reasonable rewards and is easy for international students to apply for. It’s also a good choice for people who want to study abroad thanks to its lack of foreign transaction fees. While it doesn’t offer the rewards that...

- Thomas (TJ) Porter, MyBankTracker


Interest Rates
Regular APR Interest Rate 21.74% (Variable)
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


Sign up bonus

Deserve will pay for Amazon Prime Student, get free Video, Music, and Reading (Up to a life-time total of $69).

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
Virtual Cards No
Additional Benefits
  • Roadside Assistance
  • Travel Assistance Services
  • Cellphone Protection
  • $100 off Feather Subscriptions
  • Pay for 3 consecutive monthly Lemonade insurance statements with your Deserve Mastercard and get a $10 statement credit.
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents Yes
Additional comments -
Terms & Conditions Official Terms & Conditions
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