Affinity Premium Visa Credit Card Review

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

Key takeaways:

• Competitive APRs. Affinity Premium Visa Credit Card has a variable purchase APR that ranges from 10.10% up to 16.10%.
• 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 Premium Visa 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.
• 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 credit card benefits. Includes generous credit card perks, such as rental insurance, emergency support, extended warranty protection on purchases, travel accident insurance, 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 Premium Visa Credit Card Pros and Cons:

The Good	The Bad
Lower than average purchase APRs. Has an introductory APR rate on balance transfers of 2.99%. No annual fee. Multiple credit card perks. Offers auto rental collision damage waiver. Extended warranty on purchases. Travel accident and travel assistance insurance. Affinity Premium Visa Credit Card reports to multiple credit bureaus.	Requires good to excellent credit. Does not offer a signup bonus. Does not offer rewards or cash back. Charges a foreign transaction fee of 2%. You don't earn rewards on every purchase. Charges a 5% balance transfer fee.

Is there a Affinity Premium Visa Credit Card cash back or rewards program?

No, Affinity Premium Visa Credit Card does not offer a rewards program.

What are the Affinity Premium Visa Credit Card benefits?

Affinity Premium Visa Credit Card provides the following benefits:

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

What are the relevant APRs for Affinity Premium Visa 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 Premium Visa Credit Card has lower than average purchase APRs.

Affinity Premium Visa Credit Card has a variable purchase APR that ranges from 10.10% up to 16.10%. The card has a variable balance transfer APR that ranges from 10.10% up to 16.10%. It also has a variable cash advance APR of 18% .

What are the fees for Affinity Premium Visa Credit Card?

The following fees apply to Affinity Premium Visa Credit Card:

Affinity Premium Visa Credit Card Fees

Fees	Amount
Annual Fee	$0
Foreign Transaction Fee	2%
Returned Payment Fee	up to $37
Late Payment Fee	up to $37

Does Affinity Premium Visa Credit Card report your account activity to credit bureaus?

Affinity Premium 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 can help improve your credit score.

How to apply for Affinity Premium Visa Credit Card

• Visit the Affinity Premium Visa 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.