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Application Link

  • Application link: none
  • Please note that this card's signup bonus offer ended on 11/30/2017.
  • If you have a friend's refer link, each person can get $30. If your friends around you do not yet have this card, you can use my refer link so both of us can each get an extra $30. Do not apply directly without using a refer link, or you would directly lose $30.
  • After entering through our link, you can see three Deserve credit cards and choose whichever one you prefer.

Deserve Pro Credit Card Overview

Application

  • Application difficulty: SSN required; approval difficulty is average.

Basic Features

  • No annual fee
  • Build credit history (about 3 months after opening the card, the new account will be reported to the two major credit bureaus: Experian (EX) and TransUnion (TU). For most people applying for credit cards, applications for most cards will Pull on EX, so building credit history with EX and TU is already sufficient. Many people mistakenly think that without an SSN, it is impossible to build credit history, but that is actually incorrect. Your credit history does not start from the day you receive an SSN; rather, it starts from your first borrowing relationship, such as applying for a credit card. When your credit card application is approved, the credit bureaus can identify you through your name, date of birth, and address information, so you can still build credit history even without an SSN. After you obtain an SSN, the credit history you built earlier will be linked to it and will not be lost.)

Highlights

  • Signup bonus: none
  • No annual fee: You can keep it long term to build credit history.
  • Legitimacy: Although Deserve is not a bank, the Deserve Mastercard credit card issued by this company in partnership with Celtic Bank, a legitimate bank headquartered in Salt Lake City, Utah, so there is no need to worry about whether it is legitimate or whether the card is secure.
  • Cash back: 3% cash back on travel and entertainment, 2% cash back on dining, and 1% cash back on all other purchases
  • High credit limit: up to $10,000
  • No Foreign Transaction Fee (FTF)

Cons

  • An SSN is required to apply for this card.

My Recommendation

This card is suitable when you already have about the same cards from other banks, and when you do not have many cards left to apply for, you can give it a try.