Affinity Federal Credit Union Premium Visa Credit Card
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| Purchase APR (Variable APR) | 10.1% - 16.1% |
| 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. This review will provide you with with all the details you need to make a good choice.
- Competitive APRs. Affinity Federal Credit Union Premium Visa Credit Card has a variable purchase APR that ranges from 10.1% up to 16.1%.
- 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.
| The Good | The Bad |
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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 10.1% up to 16.1%. 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.
| 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?
| 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:
| 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 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.
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.
Contact
- Headquarters
-
73 Mountainview Blvd
Basking Ridge, NJ 07920 - Visit Site
- Email Support
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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