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  Deserve® NJIT Affinity EDU Card

Deserve® NJIT Affinity EDU Card

in Personal Credit Cards from Deserve Inc.

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Deserve® NJIT Affinity EDU Card

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in Personal Credit Cards from Deserve Inc.

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Highlights
Purchase APR  (Variable APR) 18.74%
Balance Transfer APR  (Variable APR) N/A
Credit Score Range 600 - 850
Annual Fee $0

Deserve® NJIT Affinity EDU Card Review

This is a cashback credit card issued by Deserve Inc.. If you're wondering whether 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.

Key Takeaways
  • 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 odds if your credit score is above 600.
Pros & Cons of Deserve® NJIT Affinity EDU Card
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 Deserve® NJIT Affinity EDU Card is accepted.
  • 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.
Deserve® NJIT Affinity EDU Card FAQ

Does 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.

Deserve® NJIT Affinity EDU Card Rewards
Rewards rate (all purchases) N/A
Max rewards rate N/A
Annual rewards limit N/A

Does Deserve® NJIT Affinity EDU Card have a signup bonus?

This card doesn't offer a cash signup bonus.

Does Deserve® NJIT Affinity EDU Card offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the 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 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%.

Does Deserve® NJIT Affinity EDU Card have an intro APR offer on balance transfers?

No, it does not come with an intro APR offer for balance transfers.

Does Deserve® NJIT Affinity EDU Card have an intro APR offer on new purchases?

This card does not offer an intro APR rate on new purchases.

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

The following fees apply:

  • There is no overlimit fee
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 Deserve® NJIT Affinity EDU Card have a foreign transaction fee?

This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.

What is the customer service phone number for Deserve® NJIT Affinity EDU Card?

The Deserve® NJIT Affinity EDU Card customer service number is (801) 981-4334.

What is the support contact email for Deserve® NJIT Affinity EDU Card?

The support contact email for Deserve® NJIT Affinity EDU Card is hello@deserve.com.

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

Yes, 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 Deserve® NJIT Affinity EDU Card

  • Visit the 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.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

About Deserve® NJIT Affinity EDU Card

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Availability

  Available in 50 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Iowa
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Massachusetts
  • Maryland
  • Maine
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Montana
  • North Carolina
  • North Dakota
  • Nebraska
  • New Hampshire
  • New Jersey
  • New Mexico
  • Nevada
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Vermont
  • Washington
  • Wisconsin
  • West Virginia
  • Wyoming

Feature Breakdown

Foreign Currency Transaction Fee 0%
No Annual Fee
No Foreign Transaction Fee
Annual Fee $0
Over-Limit Fee $0
No Interest Grace Period for Late Payment 23 days
Minimum Interest Charge $1
Returned Payment Fee Up to $37
Late Fee Amount Up to $25
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 600 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Fraud Liability
Rewards Rates
  • Every Purchase
Balance Computation Average Daily Balance (including new purchases).
Purchase APR (Variable APR) 18.74%
Card Type
  • Rewards
  • Cashback
Card Network Mastercard

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