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Deserve® EDU Mastercard for Students

Deserve® EDU Mastercard for Students


Rated 4/5 stars by our editorial team

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Your Rating:

3.8/5.0 from 17 Offer Ratings
Over the Past 60 Days!

(17) Over the Past 60 Days!

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  • Regular Purchase APR 18.74% Variable
  • Intro Purchase APR N/A
  • Intro BT APR N/A
  • Annual Fee $0
  • Credit Needed


  • Card Brand Mastercard®

Card Details


  • Click "APPLY NOW" to apply online
  • Receive one year of Amazon Prime Student on Deserve after your first purchase with your new Deserve EDU Mastercard (Lifetime Value of $59).
  • Earn 1% Cash Back on all purchases with your Deserve EDU Mastercard. Once approved, you'll automatically start earning cash back on all purchases.
  • Feel secure with cell phone protection up to $600.
  • No deposit required. No annual fees.
  • No international transaction fees on purchases abroad so you can travel with confidence.
  • No Social Security Number required for international students to apply.
  • Refer A Friend Program: Refer anyone to Deserve using your personal referral code. Upon approval, card activation and use, you'll receive $30 and so will your referral. Referral bonuses are unlimited!
  • Manage and track your spending, set automatic payments and securely freeze your card all through one easy to use app.
  • See if you prequalify with no impact to your credit score in minutes.
  • Deserve Mastercards are issued by Celtic Bank, Member FDIC.
  • Enjoy Mastercard Platinum Benefits intended to make your life easier like Mastercard ID Theft Prevention™ and Master Rental®.

Card Fees

Foreign Transaction Fee None

Balance Transfer Fee N/A (Balance Transfers are not available)

Cash Advance Fee N/A (Cash Advances are not available)

Penalty APR N/A

Ongoing Information

Rewards Rate 1% unlimited cash back on ALL purchases

Annual Fee $0

Additional Card Details

$0 Fraud Liability No

Auto Rental Insurance No

Extended Warranty Program Yes

Roadside Assistance No

Purchase Protection Yes

Travel Assistance Yes

Flight Accident Insurance No

Lost Luggage Reimbursement No

Concierge Service No

Expert Reviews

From the Editorial Team

The Deserve® EDU Mastercard for Students offers students the opportunity to build credit and earn rewards at the same time. With this card you earn 1% unlimited cash back on ALL purchases – that means purchasing everything from gas to groceries to textbooks will put cash back in your pocket.

What makes this card stand out is that it is available to consumers with good/fair/limited. That's especially helpful for students who may be starting to build their credit for the first time. There is also a $0 annual fee which is rare among credit cards available for those with limited credit histories.

In addition to the 1% unlimited cash back on all purchases, cardholders will enjoy all the benefits of carrying a Mastercard Platinum card including Price Protection, Travel Assistance, and worldwide acceptance wherever Mastercard is accepted.

Expert Reviews of the Deserve® EDU Mastercard for Students

  • 3.0

    Regular APR

  • 0.0

    Intro APR

  • 3.0


  • 4.0


  • star rating 4.0/5

    Overall Rating

The Bottom Line

This $0 annual fee credit card is a great fit for students looking to build credit and earn rewards at the same time.

The Good

Many cards available for those with limited credit histories don't offer rewards and come with a high annual fee. But the Deserve® EDU Mastercard for Students has a $0 annual fee and 1% unlimited cash back on ALL purchases making it a standout offer in the student credit card space

The Not so Good

The APR is bit high, so you could rack up expensive interest charges if you choose to carry a balance from month to month.

Editorial Note: This content is not provided by Deserve. Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by Deserve.

Consumer Reviews

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