Last Updated: 04/18/2025
Affinity FCU Business FirstSM Visa® Credit Card
Unaffiliated
Last Updated: 04/18/2025
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Highlights
Purchase APR (Variable APR)
Starting at 13.5%(Verified 06/21/2024)
Disclaimer popup with additional information
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.
- Welcome offer. 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 up to 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.
- Poor credit accepted. This card will consider people who have poor credit.
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 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:
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Welcome Offer | 5,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Rewards Categories | Every Purchase | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Rewards Type | Points | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Reward Rates | 1 - 6 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
- Every Purchase
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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Message from Affinity FCU Business FirstSM Visa® Credit Card
Hours of Operation
Sunday
Closed
Monday
9:00AM - 5:00PM
Tuesday
9:00AM - 5:00PM
Wednesday
9:00AM - 5:00PM
Thursday
9:00AM - 5:00PM
Friday
9:00AM - 5:00PM
Saturday
9:00AM - 1:00PM