Deserve Pro Mastercard Review [2021]: Build Your Credit And Earn Cash Back Rewards

The Deserve PRO Mastercard is a great option for individuals who want to earn rewards but don’t meet the credit requirements of more popular rewards cards.
Last updated Jul 27, 2021 | By Kevin Payne | Edited By Jess Ullrich

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Many rewards credit cards require you to have good or excellent credit for approval. Unlike many other card issuers, Deserve is a venture-backed fintech company that offers a few rewards credit cards designed to help build credit.

The Deserve Pro Mastercard is one of these cards. It offers cashback bonuses along with a handful of travel perks. The card features a $0 annual fee and no foreign transaction fees but is missing some key benefits to make it a more complete rewards card.

Keep reading to learn more about the Deserve Pro Mastercard to determine if it’s the right choice for your wallet.

Get Cash Back and Travel Perks

Deserve Pro Mastercard

Deserve Pro Mastercard

Deserve Pro Mastercard

Annual Fee


Rewards Rate

up to 3% cash back

Benefits and Drawbacks


  • 3% cash back on travel and entertainment
  • Priority Pass membership for one year
  • No foreign transaction fees
  • No annual fee


  • No welcome bonus
  • No introductory APR offer
Card Details
  • Up to $600 in complimentary cell phone insurance
  • 3% cash back on travel and entertainment, 2% at restaurants, and 1% on all other purchases

In this Deserve Pro Mastercard review

Who should get the Deserve Pro Mastercard?

The Deserve Pro Mastercard could be a good option for those with a limited credit history. And unlike secured credit cards, which are popular options for those with limited credit, it doesn’t require a security deposit. Whether you are younger or just moved to the U.S. and haven’t had time to build a credit history, Deserve might offer a card option for you. And your payment history will be reported to the credit bureaus, which could help you build credit over time.

If you don’t meet the credit requirements of top-tier rewards cards but still want to earn rewards for their spending, the Deserve Pro could also be worth considering. If you have more established credit and a good credit score, you might find more value with the best rewards credit cards. Deserve Pro doesn’t come with a welcome bonus, intro APR offer, or allow balance transfers. There are other no-fee credit cards that offer those types of perks, especially for individuals with good to excellent credit.

Card basics

Card type Cash back
Credit card issuer Celtic Bank
Credit card network Mastercard
Annual fee $0
Reward rate 3% cash back on travel and entertainment, 2% at restaurants, and 1% on all other purchases
Foreign transaction fee None

Deserve Pro Mastercard benefits and perks

  • Cashback rewards: Cardmembers earn 3% cash back on travel and entertainment, 2% at restaurants, and 1% on all other purchases.
  • Airport lounge access: The Deserve Pro card comes with a one-year Priority Pass membership, provided you meet the offer’s requirement of spending $1,000 on your card in the first 90 days.
  • Cell phone insurance: If you pay your monthly cell phone bill with your Deserve card, you’ll also receive cell phone protection up to $600 per claim ($1,000 total per 12-month period) against theft and damage.
  • Rental car insurance: Cardholders can get a car rental collision damage waiver and theft insurance coverage. To access coverage, rent a car using your Deserve Pro Mastercard and decline the rental company’s insurance.
  • Mastercard benefits: Deserve Pro comes with access to Mastercard World benefits like Mastercard ID Theft Protection, online shopping discounts, select travel assistance services and benefits, and more.
  • No annual fees: The Deserve Pro Mastercard carries a $0 annual fee. Also, there are no foreign transaction fees, making it a suitable card to use when traveling internationally.

Drawbacks to the Deserve Pro Mastercard

  • No welcome offer: Like all of the Deserve credit cards, Deserve Pro offers no welcome bonus offer.
  • No intro APR offer: This card also lacks an introductory interest rate on purchases or balance transfers. You’ll receive the regular APR, which will vary based on your creditworthiness.
  • No balance transfers: The card doesn’t allow balance transfers or cash advances.

Earning & redeeming cash back with the Deserve Pro Mastercard

Potential earnings in years one and two

Here's a look at how your cash back can add up with the Deserve Pro Mastercard.

Remember, this is an estimation. The actual value will be determined by how much you spend and in which categories you spend.

Year one earnings: $543

Year two earnings: $543

These values are based on the FinanceBuzz Credit Card Rewards Valuation Model which takes a look at cash back earned via spending with the Deserve Pro Mastercard. If you spend frequently in this card’s bonus categories, your yearly values could increase considerably.

Best ways to earn

The Deserve Pro card doesn’t come with a welcome bonus offer, so there are no opportunities to earn bonus points for meeting certain spending requirements. The card features a simple cashback rewards structure. You’ll earn 3% cash back on travel and entertainment, 2% at restaurants, and 1% on all other purchases. Note that bars don’t count as restaurants with the Deserve Pro card. Since other rewards cards offer a higher rate on everyday spending, this card might not be the best card to use outside its bonus categories.

It’s important to note that there’s a cap on bonus rewards earning with this card. You’ll earn the bonus cashback rates for the first $500 in combined travel and entertainment, restaurants purchases, each billing cycle. After that, you’ll earn 1% on everything else.

Categories Rewards rate
travel and entertainment 3%
restaurants 2%
everything else 1%

Maximizing your redemptions

There's only one redemption option available with the Deserve Pro Mastercard — statement credits. Statement credits are issued automatically by Deserve in $25 increments. Your cashback rewards have no expiration as long as your account is open, which likely won’t matter since this card gives you automatic redemptions. Cashback redemptions aren’t available if your account is closed or not in good standing.

Deserve Pro Mastercard FAQs

Is the Deserve Pro Mastercard a good card?

Deserve Pro Mastercard could be a good card if you are looking to build your credit while still earning cashback rewards. If your credit isn’t up to par, you probably won’t qualify for the best rewards credit cards on the market.

What credit score do you need for the Deserve Pro Mastercard?

Like most credit card issuers, Deserve doesn’t publish any specific FICO credit score requirements. Also, having a credit history isn’t necessarily required to qualify for Deserve Pro as this lender also considers other factors in determining eligibility.

What's the credit limit on a Deserve Pro Mastercard?

The credit limit on the Deserve Pro Mastercard is up to $10,000, and your total limit will be based on your creditworthiness.

Do you need a Social Security number for the Deserve Pro Mastercard?

You may need to share your Social Security number during the application process for the Deserve Pro card. A Social Security number might not be required if you are an international student applying for the Deserve EDU Mastercard.

Does the Deserve Pro Mastercard have a sign-up bonus?

No, unfortunately, there is no sign-up bonus offer included with the Deserve Pro Mastercard.

Other cards to consider

If you have established credit, the Deserve Pro might not be the best credit card for you. A more lucrative cashback rewards card to consider is the Chase Freedom Unlimited. This card offers 5% on travel purchased through Chase Ultimate Rewards, 3% on dining and drugstore purchases, and 1.5% on all other purchases. Plus, cardmembers get a 0% intro APR on purchases for 15 months.

With the Chase Freedom Unlimited, you can redeem your cash back for statement credits, gift cards, or Amazon shopping, or you can book travel inside the Chase Ultimate Rewards portal. There’s also a welcome bonus with this card: Earn a $200 cash back bonus after spending $500 in the first 3 months, plus earn 5% cash back on grocery store purchases (not including Target or Walmart; up to $12,000 in the first year).

Read our Chase Freedom Unlimited review.

If your spending varies from month to month, the Citi Custom Cash is another cashback card to consider. Cardmembers get 5% cash back in your top eligible spending category each billing cycle (up to the first $500 spent, and then 1% cash back after that), plus unlimited 1% cash back on all other purchases. Citi Custom Cash is also a good alternative if you want access to a 0% intro APR on purchases for 15 months and a 0% intro APR on balance transfers for 15 months.

It’s missing some of the travel benefits found with the Deserve card, but it does come with free credit score access so you can track your progress as you build credit.

Read our Citi Custom Cash Card review.

Get Cash Back and Travel Perks

Deserve Pro Mastercard

Deserve Pro Mastercard

Deserve Pro Mastercard

Special Offer

Up to $600 in complimentary cell phone insurance

See how these cards compare:

Chase Freedom Unlimited
Chase Freedom Unlimited
  • $200 sign-up bonus
  • Bonus rewards on travel, dining, and drugstores
  • 5% cash back on grocery store purchases (up to $12k in your first year)
  • No annual fee
  • 0% intro APR on purchases
Citi Custom Cash Card
Citi Custom Cash Card
  • $200 cash back welcome bonus
  • 0% intro APR on balance transfers and purchases
  • 5% cash back on purchases in your top eligible spend category each billing cycle (up to the first $500 spent)
  • 1% cash back on everything else
  • No annual fee

Author Details

Kevin Payne Kevin Payne is a freelance writer specializing in student loans, credit cards, personal finance, and travel. He is a regular contributor to Club Thrifty, Millennial Money, and Student Loan Planner. As the budget and family travel expert behind, Kevin recently turned his writing side hustle into his full-time career. He lives in Cleveland, Ohio, with his wife and four kids.