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Deserve Pro Review

Good, Fair

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What Deserve says about this card

This card is no longer available.
  • A travel & entertainment rewards card for students, young professionals & recent immigrants
  • Priority Pass™ Select Membership (valued at $99), after you make $1,000 of purchases with your new Deserve Pro Mastercard within the first 90 days after activation.
  • 3% cash back on travel & entertainment, 2% cash back on restaurants, 1% unlimited cash back on all other purchases
  • Credit limits up to $10,000
  • $0 annual fee & no foreign transaction fees
  • Helps students and professionals build a credit history and gain financial independence
  • Use anywhere in the world where Mastercard is accepted
  • Includes Mastercard Platinum Benefits like Car Rental Collision Damage Waiver, Roadside Assistance, Travel Assistance Services, Price Protection, Extended Warranty and ID Theft Protection
  • Complimentary cellphone insurance up to $600

By Jennifer Doss CardRatings Editor  Updated Mar 26, 2020

Deserve Pro essentials

If you have little to no credit history and are looking for a credit card that can earn you rewards, read on. The Deserve Pro isn't as flashy as some credit cards, but it has a solid and easy to figure out rewards program, no annual fee, variable APR, a generous credit limit (up to $10,000), as well as some nice perks, such as cell phone insurance and car rental collision damage coverage.

Deserve looks at your full financial picture and considers factors like how you manage your money, if you pay your bills on time, etc. to predict your future credit potential. If you’re approved for the card, you’ll receive 3% cash back on travel and entertainment purchases, 2% back at restaurants, and 1% back on all other purchases. Restaurant, travel, and entertainment categories earn bonus cash back on only the first $500 of combined net purchases made each billing cycle. Once the $500 per billing cycle limit is reached, you will earn 1% base cash back on additional purchases. That cap won't be a big deal for a lot of people, but if you routinely spend over $500 at restaurants every month, on travel purchases, etc., you might benefit more with a card that doesn’t cap rewards, or has a higher amount for the cap.

CardRatings Editor's Analysis: Pros & Cons

  • This is a great card option for students, young professionals and recent immigrants looking to build their credit history.
  • For a credit card that doesn't require excellent credit, the rewards run deep. Earn 3% cash back on travel and entertainment purchases and 2% cash back at restaurants up to $500 in combined spending each billing cycle, and 1% unlimited cash back on all other purchases.
  • Enjoy up to $600 in cell phone protection when you use the card to pay your monthly cell phone bill.
  • There's no true sign up bonus offered with this card. Though users can get access to a one-year membership to Priority Pass Select, an airport lounge program, once spending $1,000 in the first 90 days from account opening, a fee is still required for each lounge visit.

What our editors like most about the Deserve Pro

We like the cash back aspect, especially if you want a simple card. Some people enjoy it when the cash back categories change, and they can plan to buy certain things during the year and get extra savings. But many consumers would just rather know that no matter what day in the year it is, they're going to get a certain amount of cash back when they buy certain things. Certainly, travel and entertainment (3% cash back) and restaurants (2% cash back) are a big part of spending for many people, and knowing that you'll get 1% cash back on everything else… well, as noted, it's a simple, easy-to-follow cash back process.

But there are some other perks we appreciate as well. To start, there is no annual fee, so you don’t have to worry about the rewards outweighing the cost of the card. There is also no foreign transaction fee, so if you do a lot of traveling internationally, this card could be a good fit.

The Deserve Pro also comes with an array of potentially useful amenities. One of the biggest perks is that it offers up to $600 in cell phone protection when you use the card to pay your monthly phone bill. The card also grants you access to a number of Mastercard Platinum benefits such as rental car insurance, price protection, extended warranty coverage, identity theft protection, and travel assistance services.

Potential downsides of the Deserve Pro

As we noted above, the spending cap for rewards dollars is kind of low. If you aren't spending much over $500 in the bonus categories each month though, this likely won't make much of a difference to you. And plus, it is kind of nice that the cap resets every billing cycle, instead of each quarter like with many rewards cards.

Another notable downfall is that there is no sign-up bonus. The closest thing to a sign-up bonus is that you will get a one-year membership to "Priority Pass Select" if you spend $1,000 in the first 90 days your account is open. This allows you to get airport lounge access at airport lounges around the world, and though that might sound terrific, you do still have to pay a $27 fee (with your Deserve Pro card) per visit for you and each guest.

There's also no ability to do a cash advance, but we really think that's a good thing, considering all the interest that generally comes with credit card cash advances. Still though, some people might think that's a downside.

Top Features

Cash Back on Gas Cash Back on Groceries Cash Back on Other
1% 1% 1%

How the Deserve Pro compares to other credit cards

Deserve Pro vs. Deserve Edu

It probably isn't quite fair to compare Deserve Pro to a student credit card because it isn't a student credit card. So why are we making the comparison? Because Deserve Pro is aimed at people who don't have a lengthy credit card history, and oftentimes, college students tend to line up with that as well. So if you're a college student with a good credit history (maybe it isn't much of a history, but you don't have a track record of late fees and missed payments), this may be a card worth applying for.

So how does the Deserve Pro stack up to Deserve Edu? Well, the cash back rewards are meatier. With the Deserve Edu you get 1% cash back on everything. With the Deserve Pro you get 3% cash back on travel and entertainment and 2% cash back at restaurants (up to $500 in combined spending each billing cycle) and 1% on everything else.

Otherwise, the two cards are fairly similar. A couple points to note, though: Both happily have no late payment fee, and if you do have a late payment fee for either card, the first one will be waived.

Deserve Pro vs. Capital One® QuicksilverOne® Cash Rewards Credit Card

(This card is not currently available on CardRatings)

Both of these cards are aimed at people who don't have a long credit history, and the nice thing about these cards is that they don't treat new cardholders as if they're subhuman. They both offer rewards, something oftentimes reserved for cardholders with better credit. That said, the Capital One® QuicksilverOne® Cash Rewards Credit Card falls a little short in the rewards department compared to Deserve Pro. The Capital One® QuicksilverOne® Cash Rewards Credit Card offers a 1.5% flat-rate cash back on all purchases. Meanwhile, Deserve Pro offers 3% cash back on travel and entertainment, 2% on restaurants and 1% cash back on everything else. Don’t forget though that there’s a monthly spending cap on rewards with the Deserve Pro.

Like the Deserve Pro, Capital One® QuicksilverOne® Cash Rewards Credit Card has quite a few perks, such as extended warranty protection, price protection and travel accident insurance. The one downside might be the Capital One® QuicksilverOne® Cash Rewards Credit Card’s annual fee, though the upside is that it isn't very much. It's $39. Still, that's something to think about. The Deserve Pro doesn't have an annual fee.

Deserve Pro vs. Capital One® Platinum Credit Card

(This card is not currently available on CardRatings)

As far as rewards go, this card is lacking, however, it’s a no annual fee card that doesn’t require high credit, designed to help you strengthen your credit for the future with continued responsible credit card use. The Capital One® Platinum Credit Card rewards users for responsible behavior with the opportunity for a credit limit increase after five on-time, monthly payments. Beyond that, it offers a number of valuable perks you’d see with some more lucrative Capital One rewards credit cards, such as travel accident insurance, 24-hour travel assistance services, auto rental collision damage waiver, and extended warranty. There are also no foreign transaction fees associated with this card.

Is Deserve Pro a good card?

As with any credit card, it's arguably a good or even great card for some people, and for others, it may be lacking. We think that the Deserve Pro is a good credit card if you're somebody who is new to the world of credit cards, and you've been hoping to find a credit card that will offer rewards. It's kind of a bummer to read about how much money you can earn when you use a credit card with rewards, only to learn that your credit history likely isn’t good enough to earn approval.

The Deserve Pro though is intended to help new cardholders get a foothold in the credit universe and save money at the same time. For those people, it may be a very good card. However, if you have decades of credit card spending behind you, you might want to look for a card with a little more sophisticated of a rewards program.

Deserve Pro compared to other cash back cards

Card Name
Cash Back on Gas
Cash Back on Groceries
Cash Back on Other
Deserve Pro
This card is no longer available.
2% Cash Back at U.S. gas stations
3% Cash Back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
1% cash back on other purchases
Apply Now
Terms and Limitations Apply
1% when you buy plus 1% as you pay
1% when you buy plus 1% as you pay
1% when you buy plus 1% as you pay
1.8% cash rewards on qualified digital wallet purchases, like Apple Pay(R) or Google Pay(TM), during the first 12 months from account opening
Apply Now
Terms and Limitations Apply

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