The Deserve® Pro Credit Card is a unique credit card product that approves credit card applicants based on credit “potential” rather than credit history. This boosts the approval odds for consumers with a limited or less-than-perfect credit history. In addition, this card is available to international students as you don’t need a Social Security number to apply.
And unlike a secured credit card, the Deserve® Pro Credit Card does not need an upfront deposit. It functions like a regular credit card with features like earning cash back, travel assistance and cell phone insurance.
Review: Deserve® Pro Credit Card is a great beginner credit card with top-notch benefits
The Deserve® Pro Credit Card is a great credit card for consumers beginning to build their credit scores and wanting to earn cash back along the way. It can be difficult to get your first credit card as your credit history will be nearly nonexistent. This is where credit card companies like Deserve step in, assisting young adults and those without a Social Security number in starting their credit histories. Even though the Deserve® Pro Credit Card is a “starter” credit card, it's not lacking in benefits and features.
Deserve® Pro Credit Card benefits and features
The Deserve® Pro Credit Card comes with several features that are similar to many mainstream credit cards. And while many credit cards have annual fees, you will receive all of the Deserve® Pro Credit Card's benefits with .
Respectable cash back rewards
The Deserve® Pro Credit Card lets you earn cash back at the following rate:
- 3% cash back on travel and entertainment
- 2% cash back at restaurants
- $500 purchase limit on 3% and 2% categories each billing cycle
- 1% cash back on all other eligible purchases
Cash back is automatically applied to your statement as a credit as soon as you earn $25. This is very convenient as there are no activations or redemptions needed.
Tip: You can only earn cash back on the first $500 spent in the 2% and 3% categories each billing cycle. So at the maximum, you will earn $15 in cash back each billing cycle between the two. If you plan on spending more than $500 per billing cycle, an additional credit card may earn you more rewards.
Travel benefits
If you enjoy traveling or look to travel more in the future, the Deserve® Pro Credit Card has great benefits to enhance your experience.
First, the card comes with a complimentary Priority Pass membership for spending $1,000 in the first 90 days of card membership. Priority Pass is a network of over 1,200 airport lounges throughout the world that are great to escape the stressful environment of an airport terminal. Priority Pass memberships are available for purchase, but many travel credit cards include Priority Pass at no-cost. This initial membership is valid for the first year of card membership.
Next, the card comes with rental car insurance. If you use the Deserve® Pro Credit Card to purchase a rental car and decline the car insurance offered by the rental car agency, the car is covered with a Collision Damage Waiver (CDW). Keep in mind that this is secondary insurance to your own personal car insurance.
Lastly, the card has a $0 foreign transaction fee. So if you intend to make purchases while traveling overseas, you will not incur any additional fees.
High potential credit limit
The Deserve® Pro Credit Card has credit limits up to $10,000, which is much higher than the usual starter card. This makes the card more usable for cardholders who want to make significant purchases. If you don’t have credit history, Deserve will use information like income, employment and bank account balances to determine your credit limit.
Cell phone protection
With the Deserve® Pro Credit Card, any cell phones that you fund with the card may be covered up to $600. Considering that a brand new cell phone purchase in 2019 was nearly $530, the Deserve® Pro Credit Card can spare you a costly bill if your phone is damaged or stolen.
To qualify for cell phone protection, you simply need to pay your monthly cell phone bill with the Deserve® Pro Credit Card.
This is a valuable benefit as many credit cards that offer cell phone protection are beginning to eliminate the benefit.
How does the Deserve® Pro Credit Card compare to other credit cards?
The Deserve® Pro Credit Card is a unique product. With its great benefits, valuable cash back on a wide amount of categories and — it is worth considering.
But how does the Deserve® Pro Credit Card match up against other credit cards for people with no credit?
Deserve® Pro Credit Card vs.
The is a great credit card with cashback earning opportunities. Like the Deserve® Pro Credit Card, it has rental car insurance and the foreign transaction fees are — — making it a great travel credit card. However, it differs in its cashback structure.
While the Deserve® Pro Credit Card offers a tiered cashback system, the lets you earn , along with a annual fee.
If you are deciding between these two cards, consider whether a high cashback rate on every purchase beats a card with .
Deserve® Pro Credit Card vs. Deserve® Edu Credit Card for Students
- On Mastercard's Secure Website
The Deserve® Edu Credit Card, also issued by Deserve, comes with very different features.
First, the Deserve® Edu Credit Card for Students allows international students without a Social Security number to apply for the card.
Rather than a complimentary Priority Pass membership (a $99 value), the Deserve® Edu Credit Card for Students offers Amazon Prime Student for a year (a $59 value). This benefit makes the Deserve® Edu Credit Card a great credit card for students.
Also, the Deserve® Edu Credit Card for Students offers a significantly lower rate of cash back. While the Deserve® Pro Credit Card offers up to 3% back on some categories, you only earn 1% cash back on all purchases with the Deserve® Edu Credit Card for Students.
The Deserve® Edu Credit Card for Students comes with the same benefits like cell phone protection, rental car protection and no foreign transaction fees, but it also has a slightly higher APR at Variable. Since both Deserve credit cards have high interest rates, it is best to pay your statement in full each month.
If you are torn between the two cards, it is important to keep their benefits in mind. The Deserve® Edu Credit Card for Students has perks catered towards college students, while the Deserve® Pro Credit Card is designed for travelers.
Deserve® Pro Credit Card vs.
The is another great credit card to build credit with.
The card comes with a foreign transaction fee of — — 24-hour travel assistance services, rental car insurance, extended warranty on your purchases and more. While the benefits are great, the card itself is very bareboned.
The has a annual fee, but comes with a steep APR along with no rewards. In addition, the credit line you receive will be limited for the first five months of card membership. After making your first five monthly payments on time, you will get access to a higher credit line. This is a great feature if you want to use the card for the long term. However, the card comes with no rewards for spending.
The decision between these two cards should be fairly simple. If you need to repair your credit, the can help you get back on the right track. If you want to earn cash back on your purchases and valuable travel benefits, the Deserve® Pro Credit Card will serve you well.
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