SuperMoney
  Affinity Federal Credit Union Cash Reward Visa® Signature Credit Card

Affinity Federal Credit Union Cash Reward Visa® Signature Credit Card

in Personal Credit Cards from Affinity Federal Credit Union

Unaffiliated

Affinity Federal Credit Union Cash Reward Visa® Signature Credit Card

Unaffiliated

in Personal Credit Cards from Affinity Federal Credit Union

Not enough votes for recommendation

Not enough votes for recommendation

Cast your vote

Would you recommend Affinity Federal Credit Union Cash Reward Visa® Signature Credit Card to your friends?

Thanks for your vote!

You voted: May or may not recommend

Highlights
Purchase APR  (Variable APR) 12.50% - 18.00%
Balance Transfer APR  (Variable APR) 12.50% - 18.00%
Credit Score Range 650 - 850
Annual Fee $0

Affinity Federal Credit Union Cash Reward Visa® Signature Credit Card Review

This is a cashback credit card issued by Affinity Federal Credit Union. If you're wondering whether Affinity Federal Credit Union Cash Reward Visa® Signature Credit Card is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.

Key Takeaways
  • Generous reward rate. You will get a cashback rewards rate of up to 5%.
  • Signup bonus. Offers a signup bonus of $200 if you spend $3000 within 3 months.
  • Competitive APRs. Affinity Federal Credit Union Cash Reward Visa® Signature Credit Card has a variable purchase APR that ranges from 12.50% 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 purchases, but you don't have to pay an annual fee for the privilege.
  • 5% Balance transfer fee. Affinity Federal Credit Union Cash Reward Visa® Signature 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. on eligible gas 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 Credit Union Cash Reward Visa® Signature Credit Card
The Good The Bad
  • 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 Credit Union Cash Reward Visa® Signature Credit Card reports to multiple credit bureaus.
  • Charges a 5% balance transfer fee.
Affinity Federal Credit Union Cash Reward Visa® Signature Credit Card FAQ

Does Affinity Federal Credit Union Cash Reward Visa® Signature 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 Credit Union Cash Reward Visa® Signature Credit Card Rewards
Minimum rewards rate 1x
Max rewards rate 5x
Annual rewards limit N/A
Signup Bonus ($) $200
Signup Bonus Spend Requirement $3000
Signup Bonus Spend Period (months) 3 months

Does Affinity Federal Credit Union Cash Reward Visa® Signature Credit Card have a signup bonus?

Yes, it offers card users a signup bonus worth up to $200 after spending $3000.

Does Affinity Federal Credit Union Cash Reward Visa® Signature Credit Card offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the Affinity Federal Credit Union Cash Reward Visa® Signature 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 Credit Union Cash Reward Visa® Signature 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. It has lower than average regular APRs.

It has a variable purchase APR that ranges from 12.50% up to 18.00%. The card has a variable balance transfer APR that ranges from 12.50% up to 18.00%. It also has a variable cash advance APR of 18% .

Does Affinity Federal Credit Union Cash Reward Visa® Signature Credit Card have an intro APR offer on balance transfers?

No, it does not come with an intro APR offer for balance transfers.

Does Affinity Federal Credit Union Cash Reward Visa® Signature Credit Card have an intro APR offer on new purchases?

This card does not offer an intro APR rate on new purchases.

What are the fees for Affinity Federal Credit Union Cash Reward Visa® Signature Credit Card?

The following fees apply:

Affinity Federal Credit Union Cash Reward Visa® Signature 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 Credit Union Cash Reward Visa® Signature Credit Card have a foreign transaction fee?

This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.

What is the customer service phone number for Affinity Federal Credit Union Cash Reward Visa® Signature Credit Card?

The Affinity Federal Credit Union Cash Reward Visa® Signature Credit Card customer service number is .

What is the support contact email for Affinity Federal Credit Union Cash Reward Visa® Signature Credit Card?

The support contact email for Affinity Federal Credit Union Cash Reward Visa® Signature Credit Card is direlations@affinityfcu.com.

Does Affinity Federal Credit Union Cash Reward Visa® Signature Credit Card report your account activity to credit bureaus?

Yes, Affinity Federal Credit Union Cash Reward Visa® Signature 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 Credit Union Cash Reward Visa® Signature Credit Card

  • Visit the Affinity Federal Credit Union Cash Reward Visa® Signature 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.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
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.

Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Foreign Currency Transaction Fee 0%
No Annual Fee
No Foreign Transaction Fee
Annual Fee $0
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee Minimum $10
Cash Advance Fee (%) Up to 3%
Minimum Cash Advance Fee ($) Starting at $10
Returned Payment Fee Up to $37
Late Fee Amount Up to $37
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 650 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Cellular Telephone Protection
  • Concierge
  • Emergency Support
  • Extended Warranty Protection
  • Fraud Liability
  • Identity Theft Protection
  • Travel Assistance
Rewards Categories
  • Cash Back on Amazon Purchases
  • Cash Back on Gas
  • Cash Back on Groceries
  • Cash Back on Restaurants
  • Cash Back on Every Purchase
Signup Bonus Starting at $200
Cash Advance APR (Variable APR) 18%
Balance Computation average daily balance (including new purchases).
Purchase APR (Variable APR) 12.50% - 18.00%
Balance Transfer APR (Variable APR) 12.50% - 18.00%
Balance Transfer Fee Minimum $10
Balance Transfer Fee % 5%
Card Type
  • Rewards
  • Balance Transfer
  • Cashback
  • Gas
Card Network Visa

Be the first to rate

 

Would you recommend Affinity Federal Credit Union Cash Reward Visa® Signature Credit Card to your friends?

Before we publish your vote:

Please explain your vote by sharing your experience.

Writing a review increases the credibility of your vote and helps your fellow users make a better-informed decision.

Please write a review to submit your vote
(will require moderator approval)

Other Personal Credit Cards

Affinity Federal Credit Union Personal Credit Cards

Loading...