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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 Amazon.com”
***** WalletHub


To learn more about Deserve and to apply for a Deserve Mastercard, visit https://www.deserve.com

When you download the Deserve app, you agree to the Deserve Terms of Use: https://www.deserve.com/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 1.2.9

We’re always updating Deserve Mobile to improve our app and to bring important features to the Deserve community! This release fixes a few bugs and improves overall stability.

Ratings and Reviews

3.0 out of 5
58 Ratings

58 Ratings

nikki21.08 ,

Good layout only if it opened

It has a simple layout and is easy to use. But lately ,even after updating the app, nothing loads on the screen after I sign.
This began 2 weeks ago and I went back to using my computer to check on my statements/transactions. Any troubleshooting advices?!

Jacky Ho TW ,

Very bad experience

I'm really confused and tired of this
I live in a school dorm, so we don’t have any utility bill (I had mentioned this twice time)
Last time your team told me to ask the school to have an official letter to proof my resident address.
Everyone from your team gave me different answer or responses

The first time (on phone) : you guys told me to send my "Bank Statement"
The second time (Email and phone) : you guys told me you can't accept a bank statement and ask me to provide the utility bill.
But I live in the school dorm, so I don't have any utility bill, so your team told me to ask my school to have an official letter with my name and address with it.
The third time (Email) : you guys received my official school letter, but you said I will not in the current dorm (address) during the summer semester, so I need to provide my new address during the summer(I did it and sent it with the last email)
This time (Email) : Now you told me I need to ask my school to have a utility bill, our school doesn't provide a utility bill of the dorm, they only provide an official letter to prove my dorm address. (my school is also confusing about this situation, it doesn't happen before)

Again, I really tired of this, and why you sent me the card before finish this process or fixing this problem, it doesn't makes sense you providing a none working card to your customer.

NaderDroid ,

Very good start

Nice app with an intuitive interface however there are some suggestions for a better user experience. #1 Whenever the app is minimized, the session times out instantly and I’ve to login back again which is not very favorable. #2 browsing my statements are not viewable all the time and sometimes take forever to load the statement. I’ve to admit that my statement with Deserve looks very comprehensible and neat compare to some other well known credit card companies, so I appreciate that very much. Other than that I’m satisfied with the experience. Thanks.


37.9 MB

Requires iOS 9.0 or later. Compatible with iPhone, iPad, and iPod touch.



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