Affinity Premium Visa Credit Card
in Personal Credit Cards from Affinity Federal Credit Union
UnaffiliatedAffinity Premium Visa Credit Card
in Personal Credit Cards from Affinity Federal Credit Union
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| Balance Transfer APR (Variable APR) | 10.10% - 16.10% |
| Credit Score Range | 700 - 850 |
| Annual Fee | $0 |
| Purchase APR (Variable APR) | 10.10% - 16.10% |
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.
- 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.
| The Good | The Bad |
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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% .
Does Affinity Premium Visa Credit Card have an introductory APR offer on balance transfers??
Yes, Affinity Premium Visa Credit Card offers an introductory APR rate on balance transfers of 2.99% for a period of up to 12 months.
| Description | |
|---|---|
| Balance Transfer APR | 10.10% - 16.10% |
| Balance Transfer Introductory APR | 2.99% |
| Balance Transfer Intro APR Period (months) | 12 |
| Balance Transfer Fee % | 5% |
| Balance Transfer Fee % After Intro Period | N/A |
| Balance Transfer Fee Intro Period (days) | N/A |
| Balance Transfer Fee Minimum | $10 |
Does Affinity Premium Visa Credit Card have an introductory APR offer on new purchases??
This card does offer an introductory APR rate of 2.99% on qualified purchases for a period of up to 12 months.
What are the Affinity Premium Visa Credit Card fees?
The following fees apply to Affinity Premium Visa Credit Card:
| Fees | Amount |
|---|---|
| Annual Fee | up to $0 |
| Foreign Transaction Fee | 2% |
| Balance Transfer Fee | 5% |
| Minimum Balance Transfer Fee | $10 |
| Returned Payment Fee | up to $37 |
| Late Payment Fee | up to $37 |
Does Affinity Premium Visa Credit Card have a foreign transaction fee?
Affinity 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 a foreign transaction fee.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.
Contact
- Headquarters
-
73 Mountainview Blvd
Basking Ridge, NJ 07920 - Visit Site
Other Services by Affinity Federal Credit Union
Availability
- 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
| Introductory Rate | 2.99% |
| Purchase Intro APR Period (Variable APR) | 12 months |
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Other Personal Credit Cards
Affinity Federal Credit Union Personal Credit Cards
Balance Transfer APR
12.10%
Credit Score Range
300 - 850
Annual Fee
$0
Purchase APR
12.10%
Balance Transfer APR
14.00% - 17.00%
Credit Score Range
700 - 850
Annual Fee
$0
Purchase APR
14.00% - 17.00%
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