Deserve® Pro Mastercard

Deserve® Pro Mastercard

on Deserve's website

Deserve® Pro Mastercard

Deserve® Pro Mastercard

Deserve® Pro Mastercard

on Deserve's website

Card details

  • Available to L1, O1, and H1B visa holders.

  • Priority Pass™ Select Membership (valued at $99), after you make $1,000 of purchases with your new Deserve Pro Mastercard within the first 90 days after activation.

  • 3% cash back on travel & entertainment.

  • 2% cash back on restaurants.

  • 1% unlimited cash back on all purchases.

  • Credit limits up to $10,000.

  • $0 annual fee & no foreign transaction fees.

  • No security deposit or co-signer required.

  • Helps students and professionals build a credit history and gain financial independence.

  • Use anywhere in the world where Mastercard is accepted.

  • Includes Mastercard Platinum Benefits like Travel Assistance Services, Extended Warranty, and ID Theft Protection.

  • Complimentary cellphone insurance up to $600.

Rates, fees & offers

  • Annual fee


  • Rewards rate


  • Bonus offer


  • Intro APR


  • Ongoing APR

    APR: 17.49% - 24.49% Variable APR

  • Foreign transaction fee


Recommended credit score

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NerdWallet review

By Melissa Lambarena

Rating details


Editor's overall rating

Pros and cons

  • No annual fee

  • No foreign transaction fee

  • No sign-up bonus

  • No intro APR period on Purchases and Balance Transfers

The Deserve® Pro Mastercard offers professionals and new immigrants — with an L1 visa, an H-1B visa or a green card — cash-back rewards and an opportunity to build credit in the U.S.

The $0, and it doesn’t follow a traditional model. If you have a thin credit file, Deserve’s underwriting process may allow you to get the card if you can meet income and employment verification requirements, and you won’t have to pay a security deposit.

The card earns 3% cash back per dollar spent on travel and entertainment and 2% cash back at restaurants for purchases up to $500 per billing cycle, combined. On all other purchases, it offers 1% back. The ongoing APR is 17.49% - 24.49% Variable APR.

If you’re employed and looking to establish credit, the Deserve® Pro Mastercard may help you achieve that goal and earn rewards in the process. For more information, see NerdWallet’s full review.