Earn 3% cash back on all travel and entertainment purchases, and 2% cash back on all restaurant purchases, up to $500 in combined spend per billing cycle.
Earn 1% cash back on all other purchases.
Complimentary one-year membership to Priority Pass™ Select (valued at $99) after using your card to make $1,000 of purchases in the first 90 days after your account is activated.
Additional Info
Your Notre Dame credit card helps support the student scholarship funds of local Notre Dame clubs.
They have the worst, most useless service department in history. I had a 750 credit score with an account basically with every big creditor (American Express, Citi, Chase,BofA, etc) I had a deserve account for about 3 years with no use because I created the account for the credit history not the usage. (I opened it as a 18yo student) They mistakenly added a missed payment to my account that plunged my credit score to 640. I tried calling them and they basically play hot potato with you until you give up, and they won't own up to their mistake. DO NOT, I repeat, DO NOT APPLY FOR THIS CARD. It is basically worthless, and there are way better options with better benefits out there (like discover student card, citi custom cash card, etc) If you have a problem, deserve won't stand by you to help, DO NOT APPLY FOR THIS CARD.
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randall_theodore @randall_theodore
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1 Star Rating
Deserve is inaccurately reporting my personal information to credit bureaus which is incredibly damaging to my credit score. I can't reach anyone in the U.S. It's an absolute nightmare. I'm going through a lending process at the moment and I may not be able to purchase a home because Deserve won't correct the mistake they made in their reports to the credit bureaus. Do not work with this institution.
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Deepak @thisisdeep
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1 Star Rating
Verified Customer
It is probably a good entry card for at most first year students. I liked first year free Amazon student prime. But after that there is nothing- not satisfactory credit limit enhancement, no upgrades, no exciting rewards even with improvement in credit history. I almost forgot about it until one day I received cancellation notice that Deserve cancelled my notice without even giving a chance to come back.
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julian_1961 @julian_1961
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1 Star Rating
Closed account with no warning - wouldn't allow me to dispute the closure. Disappointing for a company that's supposedly all about improving access to credit.
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Adamotis @Adamotis
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1 Star Rating
Do not use for international travel! They advertise most cash back on international travel but it’s a lie! Was called to say travel to Italy , turned on international purchases on the app. Cannot use it !! False advertising! Do not get this card!!!
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Piss Right Off @whthawk
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1 Star Rating
They pre-approved me on their website, then declined me after I filled out the application for the reason of "too many inquiries" - which they could have seen from the soft-pull for the pre-approval (there were 8). Then, as a parting ϜU, they added another one to my credit report.
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anthonzephir @anthonzephir
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1 Star Rating
Don't waste your time applying for a deserve credit card all they going to do is pull your credit and decline you it's ridiculous what they do this is what they did to me I had applied on 11/14 my credit report has a security freeze on 1115 I unfroze it to let them pull my credit because the reason why I'm froze it cuz they said if you can have limited credit plus this card is for students that are attending the University or college I am attending a university they also stated that it would help build your credit this is the notice I received from my email about my card application Your credit score: 661 Date: November 15, 2021 Scores range from a low of 300 to a high of 850. Key factors that adversely affected your credit score:
● Serious delinquency and public record or collection filed ● Number of accounts delinquent ● Length of time accounts have been established ● Proportion of current loan balance to original loan amount
I need them to removed inquiry soak my score can go back to where it was
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Luuk @luukpessers
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3 Star Rating
The Deserve card is a (very) basic but okay credit card to hold on to but I tend to prefer paying with other cards that have higher rewards. Tend to use it as a backup payment method if Visa or AMEX aren’t accepted. In my case I was approved without a hard pull, but the initial credit limit was not competitive compared to my other cards.
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dj9281 @dj9281
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1 Star Rating
I helped my daughter try to get this card as her first credit card, starting college. The application process was a nightmare. We followed all the instructions, and then they demanded a copy of her student ID card. She only had a digital copy, as she hadn't started school yet. Went back and forth with them for weeks, playing phone tag, unable to reach anyone who would answer the phone. Hours wasted, I finally sent an email of my frustrations. A supervisor called and said the digital copy would be fine. So she submitted it again and a week later her whole application was denied because of the lack of student ID (which she had sent successfully numerous times). Total waste of time, we will be going elsewhere and never doing business with Deserve again.
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Or @expatinus
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1 Star Rating
Do not trust them. They didn't credit me with the advertised promotion and ignored my request for fixing it... It's always a red light when customer service fails to help even right at the first moment.
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Deserve Credit Card Q&A
Get answers to your questions about Deserve Credit Cards below. For more general questions, visit our Answers section.
The Deserve® EDU Mastercard for Students interest rate is 22.99% Variable. This Deserve EDU card interest rate is variable, meaning it can change based on certain economic conditions.
Deserve EDU gives you a 23-day grace period to avoid paying interest on your purchases. The grace period runs from the end of the billing period until the card's payment due date. You won't owe any interest as long as you pay your balance in full during that timeframe. Should you decide to carry a balance on your Deserve EDU card, it will accumulate interest daily at the card's regular APR. Interest is compounded, meaning you will owe interest on both the principal balance and any interest already accumulated.
All Deserve EDU card interest rates will be listed on your statement and on your online account summary.
The Deserve EDU Credit Card credit limit is usually around $1,000 to start, according to forum posts, and some cardholders report limits as high as $5,000. Deserve does not include any specific Deserve EDU credit limit information in the card's terms, though.
For the most part, Deserve EDU credit limits depend on each applicant's overall creditworthiness. Those with the highest income and best credit scores will generally be offered the highest starting credit limits.
That said, the Deserve EDU Card credit limit that you start with isn't necessarily your credit line forever. Deserve will also evaluate your account periodically to determine whether you are eligible for a credit limit increase. Paying on time and keeping your credit utilization low are key for getting unsolicited credit line increases with Deserve.
The Deserve® EDU Mastercard for Students is a good first-time credit card because it is available to people with limited credit and it offers rewards, giving 1% cash back. The card's annual fee is $0. Responsible use also builds credit, as the Deserve EDU Card reports account info to the major credit bureaus monthly.
To get approved for the card, you will need to have a steady income and meet other basic requirements like being at least 18 years old and having an SSN. International students don't need an SSN, but they must provide proof of a U.S. bank account balance, student visa, passport ID, and their legal school document (I-20, for example).
Why Deserve EDU Card Is a Good First-Time Credit Card
Available to: People with limited credit
Annual fee:$0 annual fee
Rewards:1% cash back
APR:22.99% Variable
Reports to credit bureaus monthly: Yes
It's worth noting that the Deserve EDU Card isn't the only good first-time credit card out there. You can learn more about the best first-time credit cards on WalletHub.
Yes, the Deserve Classic Mastercard is a regular credit card. It's designed for building credit, but that doesn't change anything about how it works, looks or is reported to the credit bureaus.
We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. Actual terms may vary. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
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Editorial and user-generated content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by any issuer.
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