Skip to content

Build Credit the Smart Way: Why the Deserve® EDU Mastercard is a Top Choice for Students

A Student Credit Card That Pays You for Being Financially Responsible—Without Paying a Deposit or Needing a Credit History

  • No Credit History Needed

  • Great for those entering the credit game for the first time or who’ve been turned down for other cards!

  • No Annual Fee

  • Take advantage of credit while keeping an eye on costs with no annual fee.

  • 1% Unlimited Cash Back

  • Get cash back on the things you shop for every day, no matter what you buy.

Accept Recommendation

Deserve® EDU Mastercard Review: Great For Students?

Restricted to Students:

This card is meant for college students, so you’ll lose eligibility after graduation.

Zero Intro APR Promotions Related Posts:

There are no 0% interest rate promotions like on some cards, but responsible use does build long-term credit health.

How to Apply for the Deserve® EDU Mastercard: Easy and Student-Focused

The application process on the Deserve® EDU Mastercard is simple and it’s all done online. If you’re an international student, you don’t need a Social Security Number, and you don’t need a cosigner or credit history to get approved. Just provide proof of enrollment, a photo ID and some financial information. You can apply in minutes and get a decision fast.

The Deserve® EDU Mastercard for Students deserves a closer look as one of the more-altruistic, student-centric cards you will find on the market—especially if you are an individual embarking on your credit journey. Its best part is that it does not ask for a U.S. credit history or a Social Security Number for international students, so it’s inclusive and truly global. It eliminates some of the obstacles that students often encounter in the United States simply trying to create a credit identity.

Deserve places a high importance on safety and security. Celtic Bank, a well-established FDIC-insured bank in the United States, provides the card. The card benefits from enhanced fraud protection, zero liability protection for unauthorized charges and Mastercard ID Theft Protection™ to give students peace of mind when spending.

The Deserve EDU card also encourages responsible use. You’ll receive 1% cash back on every purchase — automatically — as you make your student budget go farther. There’s also no annual fee and no deposit, a great perk for students who may be working with a tight budget. Cardmembers also get a free year of Amazon Prime Student after spending $500 within the first three billing cycles, bringing something truly useful to the table in addition to entertainment and shopping benefits.

Beyond its rewards and perks program, the Deserve EDU Mastercard reports to all three major credit reporting bureaus. This means each and every on-time payment works to build your credit profile — an important milestone on the path to financial independence. Whether you want to rent an apartment, buy a car or get another form of financial product in the future, having some credit history can make it easier.

In summary, the Deserve® EDU Mastercard® offers accessibility, safety and even rewards in a package designed for your typical college student. It’s more than a credit card — it’s an on-ramp to a better financial future. Don’t want to wait to build your credit the smart way?

Our Post

All rights reserved © 2025 by Finwise

Disclaimer

Welcome to finwiseusa, a blog focused solely on the distribution of informative and educational content. Please note that finwiseusa does not offer any services or personal advice. Our goal is to enrich our readers’ knowledge through insightful and engaging content.

It’s important to understand that advertisements are the sole revenue source for finwiseusa. Our website clearly marks these ads, ensuring they align with our content quality standards and relevance to our audience. We hold no direct affiliation with the advertised products or services and cannot be held accountable for any interactions or experiences that may arise from them.

Before acting on any information presented on finwiseusa, we urge our readers to conduct thorough research and exercise due diligence. finwiseusa will not bear responsibility for any direct or indirect outcomes that may result from utilizing the information found on our blog.

By accessing and using finwiseusa, you acknowledge and agree to this disclaimer. We value your trust and interest in finwiseusa and pledge to continue delivering content that is both informative and of the highest quality.