Affinity Federal CU Cash Reward Credit Card

Affinity Federal CU Cash Reward Credit Card Review

This is a cashback credit card issued by Affinity Federal Credit Union. If you're wondering whether Affinity Federal CU Cash Reward Credit Card is the right card for you, read on.

Key Takeaways

• Generous reward rate. You can get a maximum cashback rewards rate of up to 5x.
• Signup bonus. Offers a signup bonus of up to $200 if you spend $3000 within 3 months.
• Competitive APRs. Affinity Federal CU Cash Reward Credit Card has a variable purchase APR that ranges from 15.50% up to 18.00%.
• 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.
• 5% Balance transfer fee. Affinity Federal CU Cash Reward Credit Card charges a fee of 5% on balance transfers. For example, a balance of $1,000 could cost $50 in transfer fees. The minimum fee is $10.
• No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
• Gas rewards. 2% cashback on eligible fuel purchases.
• Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, access to a concierge, emergency support, extended warranty protection on purchases, identity theft protection, travel assistance, and fraud protection.
• Fair or better credit required. You will have good approval odds if your credit score is above 650.

Pros & Cons of Affinity Federal CU Cash Reward Credit Card

The Good	The Bad
Potentially lower than average purchase APRs. No annual fee. Multiple credit card perks. Offers auto rental collision damage waiver. Access to a concierge. Extended warranty on purchases. Identity Theft Protection. Travel assistance insurance No foreign transaction fee. Cardholders can earn rewards on their purchases. Affinity Federal CU Cash Reward Credit Card reports to multiple credit bureaus.	Charges a 5% balance transfer fee.

Affinity Federal CU Cash Reward Credit Card FAQ

Does Affinity Federal CU Cash Reward Credit Card have a cash back or rewards program?

This is a cashback card. This means you earn a percentage of your purchases as cash back rewards. You will receive 1% cash back on travel, dining, groceries, drugstore purchases, or any other purchase. For example, if you buy a $1,000 laptop, you will receive $10 back in cash. However, you can earn up to 5% for purchases in a bonus category.

Affinity Federal CU Cash Reward Credit Card Rewards

Minimum rewards rate	1x
Max rewards rate	5x
Annual rewards limit	N/A
Signup Bonus ($)	Starting at $200
Signup Bonus Spend Requirement	$3000
Signup Bonus Spend Period (months)	3 months

What are the Affinity Federal CU Cash Reward Credit Card benefits?

It provides the following benefits:

• Auto Rental Collision Damage Waiver
• Emergency Support
• Extended Warranty Protection
• Zero fraud liability
• Cell Phone Protection
• Travel Assistance
• Reports to major credit bureaus

What are the relevant APRs for Affinity Federal CU Cash Reward Credit Card?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has lower than average regular APRs.

Affinity Federal CU Cash Reward Credit Card has a variable purchase APR that ranges from 15.50% up to 18.00%. The card has a variable balance transfer APR that ranges from 15.50% up to 18.00%. It also has a variable cash advance APR of 18% .

What are the fees for Affinity Federal CU Cash Reward Credit Card?

The following fees apply:

Affinity Federal CU Cash Reward Credit Card Fees

Fees	Amount
Annual Fee	$0
Foreign Transaction Fee	0%
Returned Payment Fee	up to $37
Late Payment Fee	up to $37

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.

Does Affinity Federal CU Cash Reward Credit Card report your account activity to credit bureaus?

Yes, Affinity Federal CU Cash Reward 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 for Affinity Federal CU Cash Reward Credit Card

• Visit the Affinity Federal CU Cash Reward Credit Card website.
• Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
• Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.