Deserve® NJIT Affinity EDU Card

Deserve® NJIT Affinity EDU Card Review

This is a cashback card issued by Deserve Inc.. If you're wondering whether Deserve® NJIT Affinity EDU Card is the right card for you, read on.

Key Takeaways

• High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR of 22.99%
• No annual fee. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your eligible 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 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.

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

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. This card has higher than average regular APRs.

Deserve® NJIT Affinity EDU Card has a variable purchase APR of 22.99%.

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

Description
Foreign Currency Transaction Fee	0%
No Annual Fee?
No Foreign Transaction Fee?
Annual Fee	$0
Minimum Interest Charge	$1
Over-Limit Fee	$0
No Interest Grace Period for Late Payment	23 days
Returned Payment Fee	Up to $37
Late Fee Amount	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 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.