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  Affinity Pure Rewards Visa Credit Card

Affinity Pure Rewards Visa Credit Card

in Personal Credit Cards from Affinity Federal Credit Union

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Affinity Pure Rewards Visa Credit Card

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in Personal Credit Cards from Affinity Federal Credit Union

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Highlights
Highlights
Balance Transfer APR  (Variable APR) 13.50% - 18.00%
Credit Score Range 700 - 850
Annual Fee $0
Purchase APR  (Variable APR) 13.50% - 18.00%

Affinity Pure Rewards Visa Credit Card Review

Affinity Pure Rewards Visa Credit Card is a rewards credit card issued by Affinity Federal Credit Union. If you're wondering whether Affinity Pure Rewards 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:

  • Generous reward rate. You will get a a rewards rate of 6 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 Pure Rewards Visa Credit Card has a variable purchase APR that ranges from 13.50% 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 Pure Rewards 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, access to a concierge, 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 Pure Rewards Visa Credit Card Pros and Cons:

The Good The Bad
  • Lower than average purchase APRs.
  • No annual fee.
  • Multiple credit card perks.
  • Offers auto rental collision damage waiver.
  • Access to a concierge.
  • Extended warranty on purchases.
  • Travel accident and travel assistance insurance.
  • Cardholders can earn rewards on every purchase.
  • Earn rewards on every purchase.
  • Affinity Pure Rewards Visa Credit Card reports to multiple credit bureaus.
  • Cardholders can earn rewards on their purchases.
  • Requires good to excellent credit.
  • Charges a foreign transaction fee of 2%.
  • Charges a 5% balance transfer fee.

Is there a Affinity Pure Rewards Visa Credit Card cash back or rewards program?

Affinity Pure Rewards Visa Credit Card offers a rewards program to its customers.

Affinity Pure Rewards Visa Credit Card Rewards
Rewards rate (all purchases) 1%
Max rewards rate 6%
Annual rewards limit N/A
Signup Bonus ($) N/A
Signup Bonus (Points/Miles) 5000

Does Affinity Pure Rewards Visa Credit Card have a signup bonus?

Affinity Pure Rewards Visa Credit 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 Pure Rewards Visa Credit Card offer an annual loyalty bonus?

Affinity Pure Rewards Visa Credit Card doesn't offer a cash loyalty bonus.

What are the Affinity Pure Rewards Visa Credit Card benefits?

Affinity Pure Rewards 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 Pure Rewards 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 Pure Rewards Visa Credit Card has lower than average purchase APRs.

Affinity Pure Rewards Visa Credit Card has a variable purchase APR that ranges from 13.50% up to 18.00%. The card has a variable balance transfer APR that ranges from 13.50% up to 18.00%. It also has a variable cash advance APR of 18% .

Does Affinity Pure Rewards Visa Credit Card have an introductory APR offer on balance transfers?

No, Affinity Pure Rewards Visa Credit Card does not come with an introductory APR offer for balance transfers.

Does Affinity Pure Rewards Visa Credit Card have an introductory APR offer on new purchases?

Affinity Pure Rewards Visa Credit Card does not offer an introductory rate on new purchases.
Affinity Pure Rewards Visa Credit Card Purchase Intro Offer
Description
Introductory Rate N/A
Purchase Intro APR Period (months) N/A

What are the fees for Affinity Pure Rewards Visa Credit Card?

The following fees apply to Affinity Pure Rewards Visa Credit Card:

Affinity Pure Rewards 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 Pure Rewards Visa Credit Card have a foreign transaction fee?

Affinity 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 a foreign transaction fee.

Does Affinity Pure Rewards Visa Credit Card report your account activity to credit bureaus?

Affinity 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 can help improve your credit score.

How to apply for Affinity Pure Rewards Visa Credit Card

  • Visit the Affinity 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 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

Every Purchase (Points) Earn 1 point for every dollar you spend. Earn up to 6x points when you shop Affinity's Rewards website
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 Rewards
Card Network Visa
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Emergency Support  
Travel Insurance  
Fraud Liability  
Extended Warranty  
Car Rental Insurance  
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Concierge
  • Emergency Support
  • Extended Warranty Protection
  • Fraud Liability
  • Identity Theft Protection
  • Travel Accident Insurance
  • Travel Assistance
Rewards Categories Every Purchase
Signup Bonus (points) 5,000
Rewards Type Points
Cash Advance APR (Variable APR) 18%
Balance Computation average daily balance (including new purchases).
Purchase APR (Variable APR) 13.50% - 18.00%
Balance Transfer APR (Variable APR) 13.50% - 18.00%
Balance Transfer Fee Minimum $10
Balance Transfer Fee % 5%

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