SuperMoney
  Affinity Premium Visa Credit Card

Affinity Premium Visa Credit Card

in Personal Credit Cards from Affinity Federal Credit Union

Unaffiliated

Affinity Premium Visa Credit Card

Unaffiliated

in Personal Credit Cards from Affinity Federal Credit Union

Not enough votes for recommendation

Not enough votes for recommendation

Cast your vote
Cast your vote

Would you recommend Affinity Premium Visa Credit Card to your friends?

Thanks for your vote!

Thanks for your vote!

You voted: May or may not recommend

Highlights
Highlights
Purchase APR  (Variable APR) 10.10% - 16.10%
Balance Transfer APR  (Variable APR) 10.10% - 16.10%
Credit Score Range 700 - 850
Annual Fee $0

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% .

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.

Affinity Premium Visa Credit Card Balance Transfers
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.

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

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 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.

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.

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...

Availability

  Available in 50 states and Washington, D.C.
  • 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
No Annual Fee  
Annual Fee $0
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee Minimum $10
Cash Advance Fee (%) Up to 3%
Minimum Cash Advance Fee ($) Starting at $10
Foreign Currency Transaction Fee 2%
Returned Payment Fee Up to $37
Late Fee Amount Up to $37
Customer Type Personal
Minimum Age 18
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 700 - 850
Card Type Low Interest
Card Network Visa
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Emergency Support  
Fraud Liability  
Extended Warranty  
Car Rental Insurance  
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Extended Warranty Protection
  • Fraud Liability
  • Identity Theft Protection
  • Travel Accident Insurance
  • Travel Assistance
Rewards Type No Rewards
Cash Advance APR (Variable APR) 18%
Balance Computation average daily balance (including new purchases).
Purchase APR (Variable APR) 10.10% - 16.10%
Balance Transfer Introductory APR (Variable APR) 2.99%
Balance Transfer Intro APR Period (Variable APR) 12 months
Balance Transfer APR (Variable APR) 10.10% - 16.10%
Balance Transfer Fee Minimum $10
Balance Transfer Fee % 5%

Be the first to rate

 

Would you recommend Affinity Premium Visa Credit Card to your friends?

Before we publish your vote:

Please explain your vote by sharing your experience.

Writing a review increases the credibility of your vote and helps your fellow users make a better-informed decision.

Please write a review to submit your vote
Cancel my vote
(will require moderator approval)

SUPERMONEY NET RECOMMENDATION SCORE

0%

-100% 0% +100%
No one recommends Everyone recommends

Recommendation score measures the loyalty between a provider and a consumer. It's at 100% if everybody recommends the provider, and at -100% when no one recommends.

Other Personal Credit Cards

Deserve Edu Mastercard for Students
Rating not yet determined In our efforts to provide the community with the most accurate information, recommendation rating is not determined until a sufficient number of SuperMoney users cast their vote

4 Reviews

First Progress Platinum Select Mastercard® Secured Credit Card
Rating not yet determined In our efforts to provide the community with the most accurate information, recommendation rating is not determined until a sufficient number of SuperMoney users cast their vote

1 Reviews

Affinity Federal Credit Union Personal Credit Cards

Loading...