Deserve EDU from Celtic Bank Review

Deserve® EDU Mastercard®

This article reviews the Deserve® EDU MasterCard®, a no annual fee credit card with various benefits and a flat cash back rate.

The Deserve® EDU MasterCard® is a handy option for students with no prior credit history. It comes with no annual fee, zero fees on foreign transactions, and free fraud protection.

The Deserve® EDU MasterCard® offers a fixed cash back rate of 1% on all purchases. It gives an ultimate chance for students to build credit history seamlessly. International students can apply for this credit card as it doesn’t require the applicant to have a Social Security Number (SSN).

If you are a student who is having trouble getting approved by other credit card companies, the Deserve® EDU MasterCard® is likely to come in handy.

Pros and Cons of the Deserve® EDU MasterCard®

Here are the perks as well as the downside of the card:

Rewards In a Nutshell

The Deserve® EDU MasterCard® credit card has a simple reward system. Cardholders receive a 1% cash back on all purchases made with the card. However, some purchases are not eligible for the cash back, including:

• Lottery tickets
• Race track bets
• Foreign currency
• Travelers' checks and money orders
• Wire transfers
• Casino gaming

All rewards are redeemed as a statement credit. After earning $25 in cash back, the credit amount is applied to your card. Cash back rewards earned do not expire. It means you can accumulate as many cash back rewards as possible, provided your account is active.

New users receive a credit limit of up to $5,000. Several months of responsible card usage can lead to a credit limit increase.

Who Can Benefit From the Deserve® EDU MasterCard®?

The Deserve® EDU MasterCard® is ideal for students looking to build credit history. It doesn’t use the traditional qualifying methods, thus making it a more accessible alternative for students. Students with no credit history can apply for this card and utilize it to build their credit.

The Deserve® EDU MasterCard® is a great choice for international students since it doesn’t require SSN to get approved.

For students who like to travel, this credit card can be a great option as it doesn’t charge any transaction fees.

Are There Any Other Benefits?

The Deserve® EDU MasterCard® comes with many benefits. They include:

One Year of Amazon Prime Student

The Amazon Prime Student costs $6.49 monthly or $59 annually. When you purchase it using the Deserve® EDU Card, you get reimbursed up to $59. Basically, the credit card gives you a free 12-month subscription or a maximum credit reimbursement of $59 if you choose the monthly plan.

To qualify for the reimbursement, you must make purchases of $500 total or more within the first 3 months after card issuance.

Collision/Loss Damage Waiver

When you rent a car and pay with the Deserve® EDU MasterCard®, you receive secondary coverage in case of a mishap. This protection covers physical damages, theft, and towing charges. To qualify for this protection, you must decline the optional damage waiver offered by the rental company.

Cell phone Protection

If you pay your monthly phone bills with the Deserve® EDU MasterCard®, you are eligible for a $600 protection in case of cell phone theft or damage.

Lemonade Credit

When you pay three consecutive Lemonade statements with the Deserve® EDU MasterCard®, you will receive a one-time $10 in your Deserve® Account. However, this offer isn’t available in some states.

$100 Off Feather Subscriptions

When you sign up for a Feather subscription with this card, you receive $100 off your first month. All you need is to include the promo code DESERVE100 and enjoy the offer.

3 Months of Text and Talk with Campus SIMS

When you pay for any Mint Mobile wireless plan with the Deserve® EDU Mastercard®, you will receive a one-time $45 statement credit. This offer is available till November 2021.

MasterCard® Platinum Benefits

With this card, you are eligible for all MasterCard® Platinum benefits. They include:

MasterCard® ID Theft Protection

This card gives you access to an identity theft protection service. The service will monitor deep and dark web; you’ll receive alerts about possible damaging use of personal information.

MasterCard® Airport Concierge

MasterCard® offers 15% savings in Airport Greet and Meet Services. You can arrange for any Airport Meet and Greet agent to provide escort services around the airport so you can easily connect flights. When you pay with this card, you receive a 15% credit reimbursement.

Other MasterCard® benefits include:

• TransUnion credit monitoring
• Lost wallet assistance

Conclusion

The Deserve® EDU MasterCard® is an excellent option if you’re a student with no credit history or an international student looking to access credit. If you are an international student, you can easily get approved even without an SSN. It brings many benefits for students, including a free year of Amazon Prime Student account, collision/loss waiver, and cell phone protection. This card doesn’t charge foreign transaction fees, which is ideal for students traveling abroad.