Last updated on February 22nd, 2023
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NJIT EDU Credit Card Review
The NJIT EDU co-branded Mastercard for students is an excellent student credit card for those attending the New Jersey Institute of Technology (NJIT). The NJIT EDU card is especially ideal for international students since Deserve products don’t require a Social Security Number (SSN) to apply.
Ideal for International Students
Student credit cards are generally much easier to receive than regular credit cards. This easier application requirement stems from the fact that they are designed towards those with limited – or no credit history. Deserve’s student cards take this a step further by removing the need for an SSN, opening the world of unsecured credit to a broader selection of students.
No SSN requirement makes the card ideal for international students seeking to establish a US credit history but not wanting to pay a security deposit to open a secured credit card account. All international Highlanders students need to apply is their passport, US bank account information, and valid US student visa.
Earn Decent Cash Back Rewards
The NJIT EDU Mastercard offers cardholders unlimited 1% cash back on all eligible purchases. Those cash back rewards aren’t exceptional, but they are a great addition to the overall package the card provides. All rewards are issued as automatic statement credits in increments of $25
Amazon Prime Student Bonus Offer
The complimentary Amazon Prime Student membership after students meet a minimum spending goal within the first three billing cycles is equally enjoyable. Students that spend $500 in the first three months receive that Prime Student membership. Prime offers free shipping, streaming videos and music, and more for members, meaning students enjoy real value with this bonus – a $59 value.
No Foreign Transaction Fees
Another great feature of the NJIT EDU Mastercard is that it charges no foreign transaction fees. Many credit cards feature foreign charge fees of up to 3% of the transaction cost, making them expensive to use outside the United States. This feature makes the card ideal for international ND students – or US students looking to travel abroad during their studies/ summer break.
Other Card Features
Other notable features of the NJIT EDU Credit Card include:
- No annual fee
- Generous starting credit limits
- Mastercard features like Collision Damage Waiver, ID Theft Protection, and Zero Fraud Liability
- Cellphone protection for up to $600
- Three months of Text + Talk through Mint Mobile
Should You Apply for the NJIT EDU Mastercard Credit Card?
The NJIT EDU has great basic features, but it also bears added perks that come from the New Jersey Institute of Technology. These perks include 1% cash back on all purchases, Amazon Prime Student free for a year (after meeting spending requirements), and more.
The card doesn’t differ from the standard cards issued by Deserve way – beyond the NJIT branding, which is sure to sway more than a handful of students to get the card and show their school pride at the same time. Still, for what is on offer, the NJIT EDU performs admirably.