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Last updated on June 8th, 2022
- Regular Purchase APR 20.24% variable based on the Prime Rate
- Annual Fee None
Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Excellent , Good
- Processing Network Mastercard
- Receive one year of Amazon Prime Student on Deserve after spending $500 in the first three billing cycles with your EDU card (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 international transaction fees on purchases abroad so you can travel with confidence
- No Social Security Number required for international students to apply
- Regular Purchase APR: 20.24% variable based on the Prime Rate
- Late Payment Penalty Fee: Up to $25
- Return Payment Penalty Fee: Up to $37
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At a Glance
Deserve EDU is a versatile student rewards card that is also ideal for international students. The card is a no-annual-fee student credit card that’s ideal for international students (and US students, too). The card, issued through Celtic Bank, provides unlimited 1% cash back on purchases, the chance at free Amazon prime Student, and more.
Ideal for Those Who:
- Are international students and don’t have a Social Security Number
- Want complimentary Amazon Prime Student on Deserve (after spending $500)
- Want cell phone protection
- Don’t want to pay an annual fee
Deserve EDU Review
The Deserve EDU card is an excellent student credit card for those attending a U.S. university. The card is especially ideal for international students, as Deserve does not require a Social Security Number (SSN) to apply.
Student credit cards are generally easier to receive than regular credit cards because they are geared towards those with limited – or no credit history. Deserve EDU takes this a step further by removing the need for an SSN, opening the world of unsecured credit to a wider selection of learners.
No SSN needed makes the card perfect for international students that want to establish credit in the United States but don’t want to pay a security deposit to open a secured credit card account. All international applicants need to apply is their passport, U.S. bank account information, and U.S. student visa.
Average Cash Back Rewards
Many student credit cards offer basic perks, and the Deserve EDU is no different. The card allows users to earn 1% cash back on all eligible purchases. Those rewards aren’t exceptional, but they are a great addition to the overall package.
Amazon Prime Student Bonus Offer
Equally enjoyable is the complimentary Amazon Prime Student membership after meeting a minimum spending goal within the first three billing cycles. Spend $500 in the first three months, and the Prime membership is yours. Prime offers free shipping, streaming videos and music, and more for members, meaning students enjoy real value with this bonus – a $59 value.
An Average APR
Student credit cards have an average APR of around 16%, according to BestCards’ latest research. The Deserve EDU features a variable APR that’s nearly two percentage points higher. While not ideal, the interest rates with the Deserve aren’t a deal-breaker. This variable APR applies only to purchases, however. Deserve does not allow balance transfers or cash advances, something to consider before applying.
No Foreign Transaction Fees
One of the great features of the Deserve EDU card is that it charges no foreign transaction fees. Many credit cards feature foreign charge fees of up to 3% of the transaction cost, making them expensive to use outside the United States. This feature makes the Deserve EDU card ideal for international students – or U.S. students looking to travel abroad during their studies.
Other Card Features
Other notable features of the Deserve EDU include:
- Mastercard features like Collision Damage Waiver, ID Theft Protection, and Zero Fraud Liability
- Cellphone protection for up to $600
- Generous credit limits
- No annual fee
- Three months of Text + Talk through Mint Mobile
Chase Freedom Student Vs. Deserve Edu
|Card||Chase Freedom® Student||Deserve® EDU|
|Rewards rate||Earn 1% in cash back for all of your purchases||Earn 1% Cash Back on all purchases with your Deserve EDU Mastercard. Once approved, you'll automatically start earning cash back on all purchases|
|Introductory bonus||$50 Bonus earned after first purchase made within the first 3 months from account opening||Receive one year of Amazon Prime Student on Deserve after spending $500 in the first three billing cycles with your EDU card (Lifetime Value of $59)|
|Annual fee||No annual fee||No annual fee|
Frequently Asked Questions About the Deserve EDU Credit Card
Here are some common questions about the Deserve EDU card, as well as their answers:
- Deserve Edu’s rewards rate is good but not great. The average credit card, market-wide, offers only slightly more. The Deserve Student Card looks good by comparison, considering that most cards with better rewards used credit responsibly in the past.
- up to $5,000
- The minimum interest charge for Deserve EDU is $1.
Deserve EDU Mastercard Card Ratings
How does the Deserve EDU stack up? Here are a selection of expert reviews for the card:
What is the Deserve Credit Card like to live with? Before deciding if the card is right for you, here’s what our readers and members think about the card:
Should You Apply for the Deserve EDU Mastercard?
Is the Deserve EDU card worth it? For international students, the answer is a resounding “yes.” Deserve EDU’s non-traditional approval and credit vetting process makes the approval process ideal for those new to the United States and those new to credit entirely.
The Deserve EDU card emphasizes rewarding students while they build their credit. As such, Deserve offers a whole range of perks, including cell phone protection (through Mastercard), no foreign transaction fees, and one free year of Amazon Prime Student for new cardholders.
Overall, the Deserve EDU is a versatile student credit card that hits many of the right notes. In a marketplace full of offers, this is one card that “deserves” another look.