Last Updated: 07/28/2025
Affinity Federal CU Cash Reward Credit Card
Unaffiliated
Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
15.50% - 18.00%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
15.50% - 18.00%(Verified 06/21/2024)
Disclaimer popup with additional information
Credit Score Range
650 - 850
Annual Fee
$0
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 rewards rate of up to 5x.
- Signup bonus. Offers a signup bonus of up to $200.
- APRs: Affinity Federal CU Cash Reward Credit Card has a variable regular 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.
- A 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.
- Multiple credit card benefits. Includes generous credit card perks, such as Auto Rental Collision Damage Waiver, 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 you have a fair credit score or better.
Pros & Cons of Affinity Federal CU Cash Reward Credit Card
| The Good | The Bad |
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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.
| Description |
Does Affinity Federal CU Cash Reward Credit Card have a signup bonus?
Yes, it offers card users a signup bonus worth up to $200 .
Does Affinity Federal CU Cash Reward Credit Card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Affinity Federal CU Cash Reward Credit Card benefits?
Affinity Federal CU Cash Reward Credit Card 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 for accounts that carry a balance (as of November 2024) is 22.80%. 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% .
Does Affinity Federal CU Cash Reward 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 CU Cash Reward 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 CU Cash Reward Credit Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $37 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Foreign Transaction Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $37 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Up to 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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 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 support contact email for Affinity Federal CU Cash Reward Credit Card?
The support contact email for Affinity Federal CU Cash Reward Credit Card is direlations@affinityfcu.com.
How do people rate the customer service and user experience of Affinity Federal CU Cash Reward Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Affinity Federal CU Cash Reward Credit Card report your account activity to credit bureaus?
Yes, Affinity Federal CU Cash Reward Credit Card reports to the following credit bureaus:
- 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 build your credit.
Does Affinity Federal Credit Union perform a hard credit pull?
Yes, Affinity Federal CU Cash Reward Credit Card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Affinity Federal CU Cash Reward Credit Card
- Visit the website of Affinity Federal CU Cash Reward Credit Card.
- 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.
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
Business Credit Cards
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Other Credit Cards from Affinity Federal Credit Union
Rating not yet determined
Purchase APR
15.00% - 18.00%
Disclaimer popup with additional information
Balance Transfer APR
15.00% - 18.00%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
15.00% - 18.00%
Disclaimer popup with additional information
Balance Transfer APR
15.00% - 18.00%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
11.60% - 17.60%
Disclaimer popup with additional information
Balance Transfer APR
10.1% - 16.1%
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
13.60%
Disclaimer popup with additional information
Balance Transfer APR
13.60%
Disclaimer popup with additional information
Credit Score Range
300 - 550
300
850
Annual Fee
$0
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Learn MoreSuperMoney Net Recommendation Score
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