NJIT EDU Credit Card

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Last updated on June 14th, 2022

NJIT EDU Credit Card

NJIT EDU Credit Card

NJIT EDU Credit Card
  • Regular Purchase APR 20.99% variable based on the Prime Rate
  • Annual Fee None
  • Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.
    Poor , No Credit Required
  • Processing Network Mastercard
Best Benefits
  • No annual fee
  • Earn 1% cash back on all purchases
  • Enjoy Amazon Prime Student for one year
  • Cell phone protection for up to $600 when you pay your monthly cell phone bill with your card
  • No foreign transaction fees
Rates & Fees
  • Regular Purchase APR: 20.99% variable based on the Prime Rate
  • Late Payment Penalty Fee: Up to $25
  • Return Payment Penalty Fee: Up to $37
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At a Glance

The NJIT EDU Credit Card is a no annual fee student credit card that provides the ideal credit building base for New Jersey Institute of Technology (NJIT) students everywhere – including international students. The card provides unlimited 1% cash back on purchases, the chance at free Amazon Prime Student, and more.

Ideal for Those Who:

  • Attend the New Jersey Institute of Technology
  • Want complimentary Amazon Prime Student (after spending $500)
  • Plan to use the card to pay their phone bill and want cell phone protection
  • Don’t want to pay an annual fee

NJIT EDU Credit Card Review

The NJIT EDU co-branded version of the Deserve EDU 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 Deserve EDU 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

Chase Freedom Student Vs. Deserve Edu

deserve edu 224x141

Deserve® EDU

Mastercard
$ 0 Annual Fee
  • Earn 1% Cash Back on all purchases with your Deserve EDU Mastercard. Once approved, you'll automatically start earning cash back on all purchases
  • Receive one year of Amazon Prime Student on Deserve after spending $500 in the first three billing cycles with your EDU card (Lifetime Value of $59)
  • Feel secure with cell phone protection up to $600
  • No Social Security Number required for international students to apply
chase student freedom credit card

Chase Freedom® Student

Visa
$ 0 Annual Fee
  • Earn 1% in cash back for all of your purchases
  • Earn an annual $20 Good Standing Rewards bonus for 5 years when you keep your account in good standing
  • Earn a credit limit increase after making 5 monthly payments on time within 10 months from account opening when meeting credit criteria
  • Contactless pay and unlimited access to your monthly credit score
  • $50 Bonus earned after first purchase made within the first 3 months from account opening

Should You Apply for the NJIT EDU Mastercard Credit Card?

The NJIT EDU features all of the same features as the basic Deserve EDU, but with the 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 Deserve EDU in any meaningful 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.

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