Deserve® NJIT EDU Pro Card

Deserve® NJIT EDU Pro Card Review

This is a cashback card issued by Deserve Inc.. If you're wondering whether Deserve® NJIT EDU Pro 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 that ranges from 20.24% up to 27.24%.
• 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 EDU Pro 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 their purchases. Deserve® NJIT EDU Pro 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 EDU Pro Card FAQ

Does Deserve® NJIT EDU Pro 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 EDU Pro Card Rewards

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

What are the Deserve® NJIT EDU Pro Card benefits?

It provides the following benefits:

• Zero fraud liability
• Reports to major credit bureaus

What are the relevant APRs for Deserve® NJIT EDU Pro 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 EDU Pro Card has a variable purchase APR that ranges from 20.24% up to 27.24%.

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

The following fees apply:

• There is no overlimit fee

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

Yes, Deserve® NJIT EDU Pro 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 EDU Pro Card

• Visit the Deserve® NJIT EDU Pro 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.