DeserveDeserve offers fair credit card options to students. No credit history or deposit required, and no parent cosign needed. If you are an International student or newcomer to the US, you don't need an SSN to be approved.
Deserve (deserve.com) has 278 customer reviews on Five Star Index, with an average rating of 4.0 out of 5.
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Sandeep K.
I have thoroughly enjoyed the ease of using deserve student card. No other service could have made my life easier as deserve did. My only difficulty is the time taken for reflection of credit balance after the payment.
Response from DeserveAug 10, 2020
Thanks for the review, Sandeep!
Mariano
Taking out one star from full score only because their cashback system only allows to get the credit in 25$ increment and only as statement credit (not really "cash"). Overall is a good card that I suggest to every international student in the US: get this and the other very popular one (name starts with D too), use them consistently and pay in full each month for 6 month and you'll end up with a high credit score that allows you to graduate to more rewarding (i.e. traveling) credit cards.
Response from DeserveAug 10, 2020
Thanks for the review, Mariano! We will take your feedback for more cash back options into consideration.
Vishnuu
Really good for intl students
Response from DeserveAug 10, 2020
Thanks for the review, Vishnuu!
Muhammad
you guys are the backbone for the international students but on the other hand I also made payments on time. just one more request please increase my limit though ....
Response from DeserveAug 10, 2020
Hi Muhammad, Thanks for your message and for being a Deserve customer! Deserve's goal is to help our customers establish credit with positive repayment behavior. Here are a few tips that we suggest to our customers who want credit line increases: -Stay under your credit limit -Make your monthly payments on time and greater than the minimum payment or even paying off your statement balance in full. -Keep up on your other financial responsibilities. Our credit health is also based on activity beyond your Deserve Mastercard. -Please make sure to link your bank account on your dashboard to make yourself eligible for a review for a credit limit increase. Following these steps will trigger an upgrade in our system for a credit line increase after six months. We're always reviewing our customers for credit line increases and card upgrades. When you do become eligible for a credit limit increase, we will notify you by email with your new limit. Any questions? Please reach out to us at 1-800-418-2362 Monday - Friday between 7am - 4pm PST. We’re here to help.
Animish A.
This is the best credit card for an international student who is new to the country, has no SSN or any source of income. Moreover, it gets you 1% cashback and also one year of Amazon Prime membership, which is amazing. The card looks really cool to carry. The card works like any other MasterCard credit card and so far, there have been no issues with card acceptance. The company also helps in building credit score once your SSN arrives. Overall, this card is at par with any other credit card you would get for a good credit score in terms of cashback. I am highly satisfied with it and couldn't ask for anything more.
Dakota
I applied for the Deserve EDU Mastercard and was denied. As a student entering a Master’s degree program this card came highly recommended. I have never had a credit card before but my credit is fair/good depending on which CB you ask (649-691). This card is marketed as a great card to start building credit because it does not require a credit history but that couldn’t be further from the truth. The only derogatory marks I have on my report are for how young my accounts are and for not having any credit cards (the irony). Even so, they rejected my application citing an “inability to pay” as the reason. Clearly they are not being honest about something because (1) I work full-time making more than the average college student, and (2) college students don’t make very much money in the first place. I wrote this review to hopefully save some people time and heartache. It’s unclear to me whether they pulled a hard check yet but from what I’ve read in other reviews I should expect a hit to my credit soon. Please do yourself a favor and pass on this card. I highly recommend looking somewhere else. Have a great day all! (*Note: their online application interface is slow and buggy)
Response from DeserveAug 10, 2020
Hi Dakota, Thank you for your interest in Deserve. "Did not demonstrate a sufficient ability to pay," indicates that based on the information provided, our internal model was unable to confirm your ability to pay the monthly credit card bills associated with the Deserve card program.
Pranav T.
For an international student with no credit history in the US. There is no better credit card than Deserve. Don't let anyone convince you otherwise!
Response from DeserveJun 15, 2020
Thanks for the review, Pranav!
Hiteesh
The best there is for starters
Response from DeserveJun 11, 2020
Thanks for the review, Hiteesh!
