Affinity FCU Business FirstSM Visa® Credit Card
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| Purchase APR (Variable APR) | Starting at 13.5% |
| Balance Transfer APR (Variable APR) | N/A |
| Credit Score Range | 600 - 850 |
| Annual Fee | $0 |
Affinity FCU Business FirstSM Visa® Credit Card Review
- Business credit card with generous reward rate. You will 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 rental insurance, emergency support, purchase protection, travel assistance, and fraud protection.
- Fair or better credit required. You will have good approval odds if your credit score is above 600.
| The Good | The Bad |
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Who is Affinity FCU Business FirstSM Visa® Credit Card designed for?
This is a credit card issued by Affinity Federal Credit Union.
This business card is designed for small businesses with fair credit. The minimum credit score to apply is 600.
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 credit 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 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:
- Every Purchase
Can I get it with just an employer identification number (EIN)?
You can apply for this business credit card with your EIN number, but expect the credit card issuer to also require your Social Security number. This is because, as with most business cards, it requires you to personally guarantee the line of credit.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 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 Federal Credit Union .
- 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 Federal Credit Union
Contact
- Headquarters
-
73 Mountainview Blvd
Basking Ridge, NJ 07920 - Visit Site
- Email Support
Other Services by Affinity Federal Credit Union
Feature Breakdown
| Annual Fee | $0 |
| Minimum Interest Charge | $0 |
| No Annual Fee | |
| No Interest Grace Period for Late Payment | 25 days |
| 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 |
| Returned Payment Fee | $27 - $37 |
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