Affinity Secured Visa Credit Card
in Personal Credit Cards from Affinity Federal Credit Union
UnaffiliatedAffinity Secured Visa Credit Card
in Personal Credit Cards from Affinity Federal Credit Union
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| Purchase APR (Variable APR) | 11.60% |
| Balance Transfer APR (Variable APR) | 11.60% |
| Credit Score Range | 300 - 850 |
| Annual Fee | $0 |
Affinity Secured Visa Credit Card Review
Affinity Secured Visa Credit Card is a secured credit card credit card issued by Affinity Federal Credit Union. If you're wondering whether Affinity Secured 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 Secured Visa Credit Card has a variable purchase APR of 11.60%
- 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 Secured 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.
- Secured card. This card requires a refundable deposit before you qualify for a line of credit. These cards are often used to improve the credit of people with poor credit or little credit history.
- Poor credit accepted. This card will consider people who have bad credit. Even if you have poor credit, you may still qualify.
Affinity Secured Visa Credit Card Pros & Cons
| The Good | The Bad |
|---|---|
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Affinity Secured Visa Credit Card FAQ
Is there a Affinity Secured Visa Credit Card cash back or rewards program?
No, Affinity Secured Visa Credit Card does not offer a rewards program.
What are the Affinity Secured Visa Credit Card benefits?
Affinity Secured Visa Credit Card provides the following benefits:
- ID Theft Protection
- Reports to major credit bureaus
What are the relevant APRs for Affinity Secured 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 Secured Visa Credit Card has lower than average purchase APRs.Affinity Secured Visa Credit Card has a variable purchase APR of 11.60%. The card has a variable balance transfer APR of 11.60% . It also has a variable cash advance APR of 18% .
Does Affinity Secured Visa Credit Card have an introductory APR offer on balance transfers?
No, Affinity Secured Visa Credit Card does not come with an introductory APR offer for balance transfers.Does Affinity Secured Visa Credit Card have an introductory APR offer on new purchases?
Affinity Secured Visa Credit Card does not offer an introductory rate on new purchases.| Description | |
|---|---|
| Introductory Rate | N/A |
| Purchase Intro APR Period (months) | N/A |
What are the fees for Affinity Secured Visa Credit Card?
The following fees apply to Affinity Secured Visa Credit Card:
| Fees | Amount |
|---|---|
| Annual Fee | $0 |
| Foreign Transaction Fee | 2% |
| Returned Payment Fee | $27 - $37 |
| Late Payment Fee | $27 - $37 |
Does Affinity Secured Visa Credit Card have a foreign transaction fee?
Affinity Secured 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 Secured Visa Credit Card report your account activity to credit bureaus?
Affinity Secured 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 Secured Visa Credit Card
- Visit the Affinity Secured 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.
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Contact
- Headquarters
-
73 Mountainview Blvd
Basking Ridge, NJ 07920 - Visit Site
Other Services by Affinity Federal Credit Union
View all personal credit cards offered by Affinity Federal Credit Union
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
| No Annual Fee | |
| No Foreign Transaction 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 | $27 - $37 |
| Late Fee Amount | $27 - $37 |
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