Affinity Cash Reward Visa Signature Credit Card Review

Affinity Cash Reward Visa Signature Credit Card is a cashback credit card issued by Affinity Federal Credit Union. If you're wondering whether Affinity Cash Reward Visa Signature Credit Card is the right card for you, read on. This is everything you need to know to make a good choice.

Key takeaways:

• Generous reward rate. You will get a cashback rewards rate of up to 5%.
• Earn 1% cash back on everyday purchases.
• Signup bonus. Offers a signup bonus of $200 if you spend $3000 within 3 months.
• Competitive APRs. Affinity Cash Reward Visa Signature Credit Card has a variable purchase APR that ranges from 14.00% up to 17.00%.
• No annual fee. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card, but you don't have to pay an annual fee for the privilege.
• 5% Balance transfer fee. Affinity Cash Reward Visa Signature Credit Card charges a fee of up to 5% on balance transfers. For example, a balance of $1,000 could cost up to $50 in transfer fees. The minimum fee is $10.
• $0 foreign transaction fee. This card does not charge foreign transaction fees, which makes a great credit card to carry with you when traveling abroad.
• Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, access to a concierge, emergency support, extended warranty protection on purchases, travel assistance, and fraud protection.
• Good or better credit required. You should probably try with another card if your credit score is below 700.

Affinity Cash Reward Visa Signature Credit Card Pros and Cons:

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. Travel assistance insurance No foreign transaction fee. Earn rewards on every purchase. Affinity Cash Reward Visa Signature Credit Card reports to multiple credit bureaus.	Requires good to excellent credit. Does not offer rewards or cash back. Charges a 5% balance transfer fee.

Is there a Affinity Cash Reward Visa Signature Credit Card cash back or rewards program?

No, Affinity Cash Reward Visa Signature Credit Card does not offer a rewards program. Affinity Cash Reward Visa Signature Credit Card is a cashback card. This means you earn a percentage of your purchase as a cash reward. With Affinity Cash Reward Visa Signature Credit Card you receive 1% cash back on every 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.

What are the Affinity Cash Reward Visa Signature Credit Card benefits?

Affinity Cash Reward Visa Signature Credit Card provides the following benefits:

• Auto Rental Collision Damage Waiver
• Emergency Support
• Extended Warranty Protection
• Zero fraud liability
• Cellular Telephone Protection
• Travel Assistance
• ID Theft Protection
• Reports to major credit bureaus

What are the relevant APRs for Affinity Cash Reward Visa Signature Credit Card?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Affinity Cash Reward Visa Signature Credit Card has lower than average purchase APRs.

Affinity Cash Reward Visa Signature Credit Card has a variable purchase APR that ranges from 14.00% up to 17.00%. The card has a variable balance transfer APR that ranges from 14.00% up to 17.00%. It also has a variable cash advance APR of 18% .

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

The following fees apply to Affinity Cash Reward Visa Signature Credit Card:

Affinity 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

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

Affinity 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 can help improve your credit score.

How to apply for Affinity Cash Reward Visa Signature Credit Card

• Visit the Affinity 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 you're denied click here to find out why your application may have been rejected and what you can do about it.

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.