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  Affinity Federal Credit Union Business FirstSM Visa® Credit Card

Affinity Federal Credit Union Business FirstSM Visa® Credit Card

in Business Credit Cards from Affinity Federal Credit Union

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Affinity Federal Credit Union 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%
Balance Transfer APR  (Variable APR) N/A
Credit Score Range 600 - 850
Annual Fee $0

Affinity Federal Credit Union Business FirstSM Visa® Credit Card Review

Key Takeaways
  • 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 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 oods if your credit score is above600.
Pros & Cons of Affinity Federal Credit Union Business FirstSM Visa® Credit Card
The Good The Bad
  • 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 or poor credit.
  • Affinity Federal Credit Union Business FirstSM Visa® Credit Card reports to multiple credit bureaus.
  • Charges a foreign transaction fee of 2%.
Affinity Federal Credit Union Business FirstSM Visa® Credit Card FAQ

Who is Affinity Federal Credit Union 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.

Affinity Federal Credit Union 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 Federal Credit Union 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 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 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 Federal Credit Union Business FirstSM Visa® Credit Card report your account activity to credit bureaus?

Yes, Affinity Federal Credit Union 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.
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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.

Contact

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

Other Services by Affinity Federal Credit Union

Feature Breakdown

Every Purchase (Points) 1
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
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
Balance Computation Average daily balance (including new purchases)
Penalty APR (Variable APR) 0%
Purchase APR (Variable APR) Starting at 13.5%
Card Network Visa
Card Type
  • Cashback
  • Travel

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