Deserve Mobile 4+

Next generation credit

Deserve Inc.

    • 2.9 • 109 Ratings
    • Free

iPhone Screenshots


We provide the tools and resources to help build your credit every step of the way. Insights give you real-time feedback on the actions you can take right now to start improving your credit.

While traditional lenders only look at your FICO score and credit history to determine your credit worthiness, in absence of a history, our proprietary algorithm takes other factors into consideration such as your current financial health and habits to predict your future credit potential.

Our cards meet the strictest requirements of the law when it comes to security, using enhanced identity verification and consistent lending practices to ensure your safety. All of these features and we never sacrifice a simple experience to sign up or manage your account on the go..

“I’m a proud customer. It’s efficient with clear payment options, great rewards like Amazon Prime, and it’s accepted everywhere Mastercard is. I would absolutely recommend it to my friends and all students.”
***** Margaret K - University of Texas San Antonio

“My Deserve card is helping me build credit history and I use it everywhere. I'm happy with the card and their service. Highly recommended for all students.”
***** Jin L. - University of Texas at Dallas

“I use my credit card for many things from buying groceries to paying my bills. It's more convenient than carrying cash.”
***** Diana A. - University of California Berkeley

“An A+ credit card for students lacking credit. The idea behind Deserve is simple, but powerful: Students deserve the chance to build credit with a credit card, and they shouldn’t have to jump through hoops just to get approved.”
***** Credit Karma

“If you’re a student looking to establish credit, the Deserve® Edu Mastercard for Students may clear some obstacles from your path while also earning you cash-back rewards, a rare opportunity when you have no credit record.”
***** NerdWallet

“The Deserve® Edu Mastercard for Students is a solid choice for anyone who’s currently enrolled in a U.S. college or university, particularly international students and fans of”
***** WalletHub


To learn more about Deserve and to apply for a Deserve Mastercard, visit

When you download the Deserve app, you agree to the Deserve Terms of Use:

Deserve® is a venture-backed startup that is dedicated to offering much-needed financial services to students at U.S. colleges and universities. Cards issued by Celtic Bank, a Utah-Chartered Industrial Bank, Member FDIC.

What’s New

Version 1.3.10

We’re always updating Deserve Mobile to improve our app and to bring important features to the Deserve community!

Ratings and Reviews

2.9 out of 5
109 Ratings

109 Ratings

FLopez17 ,

Not bad, but having problems

The app is pretty good, but I’ve been having issues on adding a bank as a payment method with the app. Every time I hit the “more banks” button, the app crashes. I’m using an iPhone 13 Mini, could be that the app is poorly optimized, I hope this changes soon.

MaxDale99 ,

Underwhelming App

As much as I’ve been impressed with my Deserve EDU card and its customer service, the app is definitely a low point of the Deserve experience. There’s no way to get your card details in the app, there are very few financial insights, and the overall design is just clunky and unpolished. It even hides your status bar (time/signal strength) when the device’s dark mode setting is enabled. I really wish Deserve would take a page out of Robinhood/CashApp/Petal’s book when it comes to app design. At least implement a dark mode!

justnickiiii ,

Good product and customer service

Great card for international students without SSN, don’t need to give a deposit to get a real credit card! Love the real-time transaction notification, freeze and unfreeze card features. Friendly customer service, very patient to explain all my questions, highly recommend!

App Privacy

The developer, Deserve Inc., indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Linked to You

The following data may be collected and linked to your identity:

  • Financial Info
  • Contact Info
  • Identifiers
  • Usage Data
  • Diagnostics

Privacy practices may vary, for example, based on the features you use or your age. Learn More


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