DeserveReviews of deserve.com

4.0278 reviews
Banking & Money
PO Box 57780, Murray, Utah

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Deserve

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About Deserve

Deserve 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.

Also known as: deserve.com
Website: deserve.com
Category: Banking & Money
Location: Murray, Utah
Listed on Five Star Index: 2026

About these reviews

Replies: The company replied to 28% of reviews.
Latest: Most recent review: March 2026.
Edits: Reviews are shown as their authors wrote them. The company can reply, but cannot edit them.
Score: This company cannot pay to remove reviews or change its score.

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Deserve reviews

278 approved reviews, newest moderated first

ADITYA
May 8, 2020
It been good so far
It been good so far, no problem with them.
Response from DeserveMay 8, 2020
Thanks for the review, Aditya!
Jen Er. I.
May 8, 2020
Good for international students
I've had a Deserve credit card for 3ish years now and I haven't had any problems yet. The cashback is a little low (1%), but overall Deserve is a much better option than what you would usually get if you're an international student or otherwise don't have a SSN. They also seem relatively generous about how often and how much they'll increase your credit limit if you never miss a payment, as I have. Would recommend.
Response from DeserveMay 8, 2020
Hi Jen Er. Ick, Thank you for your review! We're so happy you're building credit with us.
Thomas
May 8, 2020
Barebones card
Barebones card, they tend to start with low limits, it would be nice to have cashback categories such as dining and groceries, things that students would use to be more competitive and stand out compared to other student cards.
Response from DeserveMay 8, 2020
Hi Thomas, Thank you for your review. We're always looking for ways to give back to our EDU customers through partnerships with other companies and card benefits. Take a look at our Deserve Cards page to see some extra benefits EDU cardholders can take advantage of: https://www.deserve.com/credit-cards/
Jahidul
May 8, 2020
Good Card
Good Card. But as it doesn't have any APR I am giving 4 stars!
Response from DeserveMay 8, 2020
Thanks for the review, Jahidul!
JUSTIN
May 8, 2020
Boring card
I wish there was a way to covert your card from the deserve edu to desrve pro
Response from DeserveMay 8, 2020
Hi Justin, Thank you for your feedback! Although we are not currently upgrading customers to new credit card products, we will be in the future. To potentially be eligible for product upgrades in the future, customers must have been with Deserve for at least 12 months and have been following the suggested tips below: - Stay under the given credit limit - Make on time monthly payments - Make payments greater than the minimum payment or pay off the statement balance in full each month - Keep up on all other financial responsibilities - Following these steps may result in a product upgrade in the future. If you are upgraded, we will notify you via email. Please let us know if you have any additional questions. Thanks for being a Deserve customer! Thanks for being a Deserve EDU (and future PRO) cardholder!
vinil R.
May 3, 2020
This is the worst credit card provider…
This is the worst credit card provider that I have ever seen, they don’t care anything about their customer and maintain the worst customer service ever. I have made ‘n’ number of service requests but there was no one who cared for my concerns. I struggled hard to maintain my credit and got my limit raised to a pretty good amount. But all of a sudden when I stopped using their credit card for a couple of months as the card never worked (which I got nothing to do with, I have made requests for a new credit card but they never have sent one), then all of a sudden they reduced the credit limit to a meagre $300 which is totally rude and sick on their part. I have emailed their CEO about the cheap service but even that guy they never cared.
Response from DeserveMay 4, 2020
Hi Vinil, We'd like to reach out to you and help resolve some of your concerns. A customer service agent will contact you via email shortly. Thank you for taking the time to leave a review.
Yashavant
Apr 25, 2020
Why initial limit is so low.
Why initial limit is so low. My initial approved limit is 800$. I mean seriously, other credit card companies offerings are way above the limit you guys offered. I am not even student.
Response from DeserveApr 27, 2020
Hi Yashavant, Thanks for your message and for being a Deserve customer! "Why the initial limit is $800?" is a good question. 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: -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 card. -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. Thanks!
Palak
Apr 24, 2020
Deserve serves their customers well
Deserve serves their customers well! I appreciate it!
Response from DeserveApr 27, 2020
Hi Palak, Thank you for taking the time to review our card!

DeserveReviews of deserve.com

About Deserve

About these reviews

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DeserveReviews of deserve.com

Deserve reviews

It been good so far

Good for international students

Barebones card

Good Card

Boring card

This is the worst credit card provider…

Why initial limit is so low.

Deserve serves their customers well

About Deserve

About these reviews

More in Banking & Money, Utah

Rateworks

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Deserve reviews

It been good so far

Good for international students

Barebones card

Good Card

Boring card

This is the worst credit card provider…

Why initial limit is so low.

Deserve serves their customers well