Celtic Bank Deserve® NJIT Affinity EDU Card Review

This is a cashback credit card issued by Celtic Bank. If you're wondering whether Celtic Bank Deserve® NJIT Affinity EDU Card is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.

• High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR of 18.74%
• No annual fee*. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your purchases, but you don't have to pay an annual fee for the privilege.
• No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
• Fair or better credit required. You will have good approval oods if your credit score is above600.

The Good	The Bad
No annual fee. Identity Theft Protection. Considers applicants with fair or poor credit. No foreign transaction fee. Cardholders can earn rewards on purchases everywhere Celtic Bank Deserve® NJIT Affinity EDU Card is accepted. Celtic Bank Deserve® NJIT Affinity EDU Card reports to multiple credit bureaus.	Higher than average purchase APRs. Does not offer a signup bonus. Does not include many credit card benefits.

Does Celtic Bank Deserve® NJIT Affinity EDU Card have a cash back or rewards program?

This is a cashback card. This means you earn a percentage of your purchases as cash back rewards.

Celtic Bank Deserve® NJIT Affinity EDU Card Rewards

Rewards rate (all purchases)	N/A
Max rewards rate	N/A
Annual rewards limit	N/A

What are the Celtic Bank Deserve® NJIT Affinity EDU Card benefits?

It provides the following benefits:

• Zero fraud liability
• Reports to major credit bureaus

What are the relevant APRs for Celtic Bank Deserve® NJIT Affinity EDU Card?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. It has higher than average regular APRs.

It has a variable purchase APR of 18.74%.

What are the fees for Celtic Bank Deserve® NJIT Affinity EDU Card?

The following fees apply:

• There is no overlimit fee

Celtic Bank Deserve® NJIT Affinity EDU Card Fees

Fees	Amount
Annual Fee	$0
Overlimit Fee	$0
Foreign Transaction Fee	0%
Returned Payment Fee	up to $37
Late Payment Fee	up to $25

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.

Does Celtic Bank Deserve® NJIT Affinity EDU Card report your account activity to credit bureaus?

Yes, Celtic Bank Deserve® NJIT Affinity EDU Card reports your account activity to the following credit reporting agencies:

• Equifax
• Experian
• Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply for Celtic Bank Deserve® NJIT Affinity EDU Card

• Visit the Celtic Bank Deserve® NJIT Affinity EDU Card website.
• Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
• Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.