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  Affinity Federal Credit Union Premium Visa Credit Card
Affinity Federal Credit Union Premium Visa Credit Card
in Credit Cards from Affinity Federal Credit Union
Unaffiliated

Affinity Federal Credit Union Premium Visa Credit Card

Unaffiliated
in Credit Cards from Affinity Federal Credit Union
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Chime secured Credit Builder Visa® Credit Card
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14 reviews
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Highlights
Purchase APR  (Variable APR) 11.60% - 17.60%
(Verified 10/21/2022)
Balance Transfer APR  (Variable APR) 10.1% - 16.1%
Credit Score Range 700 - 850
Annual Fee $0

Affinity Federal Credit Union Premium Visa Credit Card Review

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

Key Takeaways

  • Competitive APRs. Affinity Federal Credit Union Premium Visa Credit Card has a variable purchase APR that ranges from 11.60% up to 17.60%.
  • 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 Federal Credit Union Premium Visa 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.
  • 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, identity theft protection, travel accident insurance, travel assistance, and fraud protection.
  • Good or better credit required. You will have low approval odds if your credit score is below 700.

Pros & Cons of Affinity Federal Credit Union Premium Visa Credit Card

The Good The Bad
  • Potentially 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.
  • Identity Theft Protection.
  • Travel accident and travel assistance insurance.
  • Affinity Federal Credit Union Premium Visa Credit Card reports to multiple credit bureaus.
  • You need good credit to qualify.
  • 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.

Affinity Federal Credit Union Premium Visa Credit Card FAQ

Does Affinity Federal Credit Union Premium Visa Credit Card have a cash back or rewards program?

No, it does not offer a rewards program.

What are the Affinity Federal Credit Union Premium Visa Credit Card benefits?

It provides the following benefits:

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

What are the relevant APRs for Affinity Federal Credit Union Premium Visa 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 Credit Union Premium Visa Credit Card has a variable purchase APR that ranges from 11.60% up to 17.60%. The card has a variable balance transfer APR that ranges from 10.1% up to 16.1%. It also has a variable cash advance APR of 18% .

Does Affinity Federal Credit Union Premium Visa Credit Card have an intro APR offer on balance transfers?

Yes, it offers an intro APR rate on balance transfers of 2.99% for a period of up to 12 months.

Affinity Federal Credit Union Premium Visa Credit Card Balance Transfers
Description
Balance Transfer Introductory APR 2.99%
Balance Transfer Intro APR Period 12 months
Balance Transfer APR 10.1% - 16.1%
Balance Transfer Fee Minimum $10
Balance Transfer Fee % 5%

Does Affinity Federal Credit Union Premium Visa Credit Card have an intro APR offer on new purchases?

Affinity Federal Credit Union Premium Visa Credit Card Purchase Intro Offer
Description
Introductory Rate 2.99%
Purchase Intro APR Period 12 months

This card does offer an intro APR rate of 2.99% on qualified purchases for a period of up to 12 months.

What are the fees for Affinity Federal Credit Union Premium Visa Credit Card?

The following fees apply:

Affinity Federal Credit Union 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

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

Does Affinity Federal Credit Union Premium Visa Credit Card have a foreign transaction fee?

Affinity Federal Credit Union Premium Visa Credit Card charges a foreign transaction fee of 2%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $40. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.

What is the customer service phone number for Affinity Federal Credit Union Premium Visa Credit Card?

The Affinity Federal Credit Union Premium Visa Credit Card customer service number is .

What is the support contact email for Affinity Federal Credit Union Premium Visa Credit Card?

The support contact email for Affinity Federal Credit Union Premium Visa Credit Card is direlations@affinityfcu.com.

What is the Affinity Federal Credit Union Premium Visa Credit Card login page?

You can access the Affinity Federal Credit Union Premium Visa Credit Card login page here.

How do people rate the customer service and user experience of Affinity Federal Credit Union Premium Visa Credit Card?

We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.

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

Yes, Affinity Federal Credit Union 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 may help improve your credit.

How to apply for Affinity Federal Credit Union Premium Visa Credit Card

  • Visit the Affinity Federal Credit Union 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 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.

Contact

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

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Affinity Federal Credit Union Savings Account

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Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • 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
  • Washington, DC
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Introductory Rate 2.99%
Purchase Intro APR Period (Variable APR) 12 months
Cash Advance Fee Minimum $10
Cash Advance Fee (%) Up to 3%
Minimum Cash Advance Fee ($) Starting at $10
Foreign Currency Transaction Fee 2%
No Annual Fee
Annual Fee $0
No Interest Grace Period for Late Payment 25 days
Returned Payment Fee Up to $37
Late Fee Amount Up to $37
Customer Type Personal
Minimum Age 18
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 700 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Auto Rental Collision Damage Waiver
  • Extended Warranty Protection
  • Emergency Support
  • Fraud Liability
  • Travel Accident Insurance
  • Travel Assistance
Rewards Type No Rewards
Cash Advance APR (Variable APR) 18%
APR Type Variable APR
Balance Computation average daily balance (including new purchases).
Purchase APR (Variable APR) 11.60% - 17.60%
(Verified 10/21/2022)
Balance Transfer Introductory APR (Variable APR) 2.99%
Balance Transfer Intro APR Period (Variable APR) 12 months
Balance Transfer APR (Variable APR) 10.1% - 16.1%
Balance Transfer Fee Minimum $10
Balance Transfer Fee % 5%
Card Type
  • Low Interest
Card Network Visa

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† To check the rates and terms you qualify for, one or more soft credit pulls will be done by SuperMoney, and/or SuperMoney's lending partners, that will not affect your credit score. However, if you choose a product and continue your application at a lending partners' website, they will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit.