Deserve, Inc.

Deserve is a fintech company that issues credit cards through WebBank, targeting students, recent graduates, and international consumers who may have limited or no US credit history. The company uses an alternative underwriting approach that can consider factors beyond a traditional US credit score, including financial account data, which makes it possible for applicants who do not yet have a US credit file to be considered.

Deserve's student-focused card products are aimed at college students who are starting to build their credit history. These cards typically have no annual fee and may offer modest cash back rewards. For international students and recent arrivals to the United States who do not have a Social Security number or US credit history, Deserve's underwriting approach can make it possible to access a credit card when most other issuers would decline.

Deserve also issues co-branded credit cards for partner companies under its program management platform.

For student and new-to-credit users, these cards serve a practical credit-building purpose. Payment activity is reported to the major credit bureaus, so responsible use including paying on time and keeping balances low helps establish a positive credit profile from the start.

The annual percentage rate on Deserve cards may be higher than rates available to established borrowers with good credit, which is typical for cards serving this market segment. Paying the full statement balance each month avoids interest charges entirely and is the most cost-effective way to use any credit card, especially when starting out.

Review the full cardholder agreement including the APR, any fees, and rewards terms before applying. WebBank, the issuing bank, is FDIC-insured.