Affinity FCU Business FirstSM Visa® Credit Card
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| Purchase APR (Variable APR) |
Starting at 13.5% (Verified 08/04/2023) |
| Balance Transfer APR (Variable APR) | N/A |
| Annual Fee | $0 |
| Credit Score Range | 600 - 850 |
Affinity FCU Business FirstSM Visa® Credit Card Review
This is a cashback card issued by Affinity Federal Credit Union. If you're wondering whether Affinity FCU Business FirstSM Visa® Credit Card is the right card for you, read on.
Key Takeaways
- Business credit card with generous reward rate. You can get a rewards rate of up to 6 reward points per dollar spent.
- Signup bonus. Offers a signup bonus of 5000 points that can be redeemed for travel, gifts, or other perks.
- 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.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 2% every time you make a transaction outside the U.S.
- Multiple business credit card benefits. Includes generous credit card perks, such as Auto Rental Collision Damage Waiver, emergency support, purchase security, travel assistance, and fraud protection.
- Fair or better credit required. You will have good approval odds if your credit score is above 600.
Pros & Cons of Affinity FCU Business FirstSM Visa® Credit Card
| The Good | The Bad |
|---|---|
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What are the relevant APRs?
This business credit card has a variable purchase APR starting at 13.5% .
The good news is this business card does not charge a penalty APR if you are late on a payment.
Does it have an introductory APR offer?
This business card does not offer an introductory rate on new purchases.| Purchase APR | Starting at 13.5% |
| Penalty APR | 0% |
What fees does it charge?
The following fees apply to this business credit card:
- There is no annual fee.
- A late payment penalty of up to $27.
- A returned payment fee of up to $37.
Does it charge a foreign transaction fee?
This business card charges a foreign transaction fee of 2%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $40. If you travel abroad you may want to leave this business card at home and apply for one that doesn't charge a foreign transaction fee.
| Fees | Amount |
|---|---|
| Annual Fee | $0 |
| Foreign Transaction Fee | 2% |
| Returned Payment Fee | $27 to $27 |
| Late Payment Fee | up to $27 |
Does it offer a cash back or rewards program?
No, it does not offer a cash back rewards program. The rewards program allows you to earn 1% cash with every purchase you make. This business card offers rewards to small business owners that use the card to make purchases in the following bonus categories:
- Every Purchase
What are the benefits?
This business credit card provides the following benefits:
- Auto Rental Collision Damage Waiver
- Emergency Support
- Fraud Liability
- Travel Assistance
- Reports to major credit bureaus
What is the customer service phone number?
The customer service number for this business card is .
What is the support contact email?
The support contact email for this business credit card is direlations@affinityfcu.com.
Does Affinity FCU Business FirstSM Visa® Credit Card report your account activity to credit bureaus?
Yes, Affinity FCU Business FirstSM Visa® Credit 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?
- Visit the Affinity FCU Business FirstSM Visa® Credit Card website.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, annual income, and source of employment.
- Check the information is accurate and submit your application.
- If you're denied click here to find out why your application may have been rejected and what you can do about it.
Message From Affinity FCU Business FirstSM Visa® Credit Card
Contact
- Headquarters
-
73 Mountainview Blvd
Basking Ridge, NJ 07920 USA - Visit Site
- Email Support
Other Services by Affinity Federal Credit Union
Feature Breakdown
| Annual Fee | $0 |
| Cash Advance Fee (%) | 3% |
| Cash Advance Fee Minimum | $10 |
| Foreign Currency Transaction Fee | 2% |
| Late Fee Amount | Up to $27 |
| Minimum Cash Advance Fee ($) | $10 |
| Minimum Interest Charge | $0 |
| No Annual Fee | |
| No Interest Grace Period for Late Payment | 25 days |
| Returned Payment Fee | $27 - $37 |
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