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  Affinity FCU Business FirstSM Visa® Credit Card
Affinity FCU Business FirstSM Visa® Credit Card
in Business Credit Cards from Affinity Federal Credit Union
Unaffiliated

Affinity FCU Business FirstSM Visa® Credit Card

Unaffiliated
in Business Credit Cards from Affinity Federal Credit Union
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Highlights
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
  • Potentially lower than average purchase APRs.
  • No annual fee.
  • Multiple business credit card perks.
  • Offers Auto Rental Collision Damage Waiver.
  • Travel assistance insurance
  • Considers applicants with fair credit.
  • Affinity FCU Business FirstSM Visa® Credit Card reports to multiple credit bureaus.
  • Charges a foreign transaction fee of 2%.

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.

Affinity FCU Business FirstSM Visa® Credit Card Rates & Terms
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.

Affinity FCU Business FirstSM Visa® Credit Card Fees
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.
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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

The Affinity Business FirstSM Visa® credit card offers low-rate, no hidden fees and a rewards program that lets you earn points for every purchase. Plus you'll enjoy security, savings and additional benefits. With great rewards and special discounts, your business gets more done with the Affinity Business FirstSM Visa® credit card.

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
Customer Type Business
Minimum Age 18
Credit Score Range 600 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Purchase Protection
  • Emergency Support
  • Fraud Liability
  • Travel Assistance
Rewards Categories
  • Every Purchase
Signup Bonus (points) 5,000
APR Type Variable APR
Balance Computation Average daily balance (including new purchases)
Penalty APR (Variable APR) 0%
Purchase APR (Variable APR) Starting at 13.5%
(Verified 08/04/2023)
Card Network Visa
Card Type
  • Cashback
  • Travel

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