Affinity FCU Pure Rewards Visa® Credit Card
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| Purchase APR (Variable APR) |
15.00% - 18.00% (Verified 08/04/2023) |
| Balance Transfer APR (Variable APR) |
15.00% - 18.00% (Verified 08/04/2023) |
| Credit Score Range | 650 - 850 |
| Annual Fee | $0 |
Affinity FCU Pure Rewards Visa® Credit Card Review
This is a rewards card issued by Affinity Federal Credit Union. If you're wondering whether Affinity FCU Pure Rewards Visa® Credit Card is the right card for you, read on.
Key Takeaways
- Generous reward rate. You can get a rewards rate of up to 6 reward points per dollar spent.
- Signup bonus. Offers a signup bonus of 5000 points that can be redeemed for travel, gifts, or other perks.
- Competitive APRs. Affinity FCU Pure Rewards Visa® Credit Card has a variable purchase APR that ranges from 15.00% up to 18.00%.
- No annual fee*. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases, but you don't have to pay an annual fee for the privilege.
- 5% Balance transfer fee. Affinity FCU Pure Rewards 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 Auto Rental Collision Damage Waiver, access to a concierge, emergency support, extended warranty protection on purchases, identity theft protection, travel accident insurance, travel assistance, and fraud protection.
- Fair or better credit required. You will have good approval odds if your credit score is above 650.
Pros & Cons of Affinity FCU Pure Rewards Visa® Credit Card
| The Good | The Bad |
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Affinity FCU Pure Rewards Visa® Credit Card FAQ
Does Affinity FCU Pure Rewards Visa® Credit Card have a cash back or rewards program?
Affinity FCU Pure Rewards Visa® Credit Card is a rewards card.
| Minimum rewards rate | 1x |
| Max rewards rate | 6x |
| Annual rewards limit | N/A |
| Signup Bonus (Points/Miles) | 5000 |
Does Affinity FCU Pure Rewards Visa® Credit Card have a signup bonus?
This card doesn't offer a cash signup bonus. However, it does include a 5000 points signup bonus that can be redeemed for travel, gifts, or other perks.Does Affinity FCU Pure Rewards Visa® Credit Card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Affinity FCU Pure Rewards 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 FCU Pure Rewards 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 FCU Pure Rewards Visa® Credit Card has a variable purchase APR that ranges from 15.00% up to 18.00%. The card has a variable balance transfer APR that ranges from 15.00% up to 18.00%. It also has a variable cash advance APR of 18% .
Does Affinity FCU Pure Rewards Visa® Credit Card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Affinity FCU Pure Rewards Visa® Credit Card have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for Affinity FCU Pure Rewards Visa® Credit Card?
The following fees apply:
| Fees | Amount |
|---|---|
| Annual Fee | $0 |
| Overlimit Fee | $ |
| Initial Program Fee | $ |
| Foreign Transaction Fee | 2% |
| Returned Payment Fee | Starting at $ up to $37 |
| Late Payment Fee | Starting at up to $37 |
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.
Does Affinity FCU Pure Rewards Visa® Credit Card have a foreign transaction fee?
Affinity FCU Pure Rewards 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 FCU Pure Rewards Visa® Credit Card?
The Affinity FCU Pure Rewards Visa® Credit Card customer service number is .
What is the support contact email for Affinity FCU Pure Rewards Visa® Credit Card?
The support contact email for Affinity FCU Pure Rewards Visa® Credit Card is direlations@affinityfcu.com.
What is the Affinity FCU Pure Rewards Visa® Credit Card login page?
You can access the Affinity FCU Pure Rewards Visa® Credit Card login page here.
How do people rate the customer service and user experience of Affinity FCU Pure Rewards Visa® Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Affinity FCU Pure Rewards Visa® Credit Card report your account activity to credit bureaus?
Yes, Affinity FCU Pure Rewards 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 FCU Pure Rewards Visa® Credit Card
- Visit the Affinity FCU Pure Rewards 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 USA - Visit Site
- Email Support
Other Services by Affinity Federal Credit Union
Other Credit Cards by Affinity Federal Credit Union
Availability
- 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
| 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 |
| Minimum Interest Charge | $0 |
| No Interest Grace Period for Late Payment | 25 days |
| Returned Payment Fee | Up to $37 |
| Late Fee Amount | Up to $37 |
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