Many or all companies we feature compensate us. Compensation and editorial research influence how products appear on a page. Credit Cards Deserve Pro Credit Card Review Updated Jun 13, 2023 | 5-min read Reviewed by Dave Rathmanner Reviewed by Dave Rathmanner Expertise: Student loans, personal loans, credit cards, small business loans, consumer personal finance habits Dave Rathmanner has researched and developed content on a variety of finance topics, such as student loans, personal loans, credit cards, and small business loans. Dave’s work has been featured by outlets including the Chicago Tribune, Bloomberg, Forbes, CNBC, U.S. News, Consumer Reports, Yahoo Finance, and NPR. Learn more about Dave Rathmanner Deserve Pro Credit CardLearn Moreon Deserve’s secure websiteEditorial RatingDeserve Pro Credit Card3.94Editorial RatingWhat we like:For young adults who spend less than $500 per monthIntro OfferNoneRewards Rate3% cash back on travel and entertainment2% cash back on restaurants and delivery apps1% cash back on all other purchasesRegular Variable APR18.49% – 25.49%Annual Fee$0See how this card stacks up to our top rated rewards credit cardsCompare Cards Card Details Overview Cardmembers earn 1% cash-back on all purchases, as well as 3% cash-back on travel and entertainment, and 2% cash-back on restaurant purchasesApplicants have access to up to a $10,000 credit limit so long as they have established a credit historyAvailable to L1, O1, and H1B visa holdersNo foreign transaction or annual feesCell phone insurance for up to $600Travel assistance, roadside assistance, and price protection services available at no cost Variable APR Variable interest; ranges from 17.99% to 24.99% Pros No annual fees or foreign transaction fees with the credit cardCardmembers have the opportunity to earn more rewards for travel and entertainment purchases, as well as restaurant purchasesL1, O1, and H1B visa holders have an option for a rewards credit card with Deserve ProMastercard offers additional benefits including cell phone insurance, car rental damage waiver, roadside assistance, and travel assistance at no costCash-back rewards are redeemed for statement credits in increments of $25 Cons Earning rewards in bonus categories is capped at $500 per billing cycleThe maximum credit line available even to those with strong credit is $10,000The redemption for cash-back rewards is limited to statement credits onlyThere are no balance transfer or cash advance transactions allowed with the credit card Bonus Rewards Cash-back bonus rewards are earned on restaurant purchases at a rate of 2%, and travel and entertainment purchases at a rate of 3% Rewards Points All purchases made on the card earn 1% cash-back without limits, and bonus categories earn rewards up to $500 or purchases each billing cycle. After the cap is reached, cardmembers earn 1% cash-back on all purchases. Intro Variable APR There is no introductory variable APR for new cardmembers Recommended Credit Score New applicants for the card need to have an established credit history and score. There is no minimum credit requirement. Full Deserve Pro Credit Card Review The Deserve Pro Mastercard is a rewards credit card available to consumers who have fair to excellent credit. The credit card offers 3% rewards on purchases made at eligible travel and entertainment merchants, as well as 2% on restaurant purchases. All other purchases made on the Deserve Pro Mastercard earn 1% cash-back without restrictions. The credit card is also available to specific visa holders, making it a better choice for those who are not citizens but looking for a rewards credit card in the United States. There are no annual fees or foreign transaction fees with the Deserve Pro Mastercard, and credit lines are available up to $10,000 with a good credit history. Benefits The Deserve Pro Mastercard offers the most valuable benefits by way of rewards earned on purchases. Cardmembers earn 3% cash-back on travel and entertainment purchases, and 2% cash-back on restaurant purchases, up to $500 per billing cycle. All other purchases made on the card earn 1% cash-back without limits. The Deserve Pro credit card also offers several additional perks to cardmembers, including cell phone insurance up to $600, roadside and travel assistance, and ID theft protection at no added cost. Cardmembers also receive price protection services and extended warranty opportunities for purchases made with the credit card. Downsides While the Deserve Pro Mastercard comes with several advantages, cardmembers should consider the downsides of the card. First, bonus categories are limited to $500 per billing cycle, which is lower than some comparable bonus category rewards credit cards. Also, cash-back earned on the credit card is only available as a statement credit, which is automatically applied to an outstanding balance so long as at least $25 is earned in rewards. Cardmembers also have limited access to credit line increases over time, up to a maximum of $10,000. How It Compares to Similar Cards The Deserve Pro Mastercard is designed for individuals who spend more on entertainment, travel, and restaurant purchases each month on a credit card. There are several other bonus rewards cards that offer similar categories at similar cash-back rates, but the cap on cash-back earned is lower with the Deserve Pro credit card. However, because the credit card has no annual fees and no foreign transaction fees, it may offer more value to some cardmembers than comparable bonus category rewards cards. Finally, the Deserve Pro Mastercard has lower credit requirements than comparable bonus category rewards credit cards, making it a better fit for some applicants with less than perfect credit histories or scores. You can also check out our review of the Deserve EDU Credit Card. Bottom Line The Deserve Pro Mastercard is a good option for international applicants in the US on certain visas, as well as those who have less than ideal credit history. Because the card has no annual or foreign transaction fees, but offers bonus rewards on certain purchases, the credit card may be a solid choice for those who want higher cash-back opportunities on travel, entertainment, and restaurant purchases each month. Want to check out other cards? See our best credit card picks here.