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  Affinity Secured Visa Credit Card

Affinity Secured Visa Credit Card

in Personal Credit Cards from Affinity Federal Credit Union

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Affinity Secured Visa Credit Card

Unaffiliated

in Personal Credit Cards from Affinity Federal Credit Union

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Highlights
Highlights
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 and Cons:

The Good The Bad
  • Lower than average purchase APRs.
  • No annual fee.
  • Considers applicants with fair or poor credit.
  • Affinity Secured Visa Credit Card reports to multiple credit bureaus.
  • 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.
  • Does not include many credit card rewards.

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:

  • Zero fraud liability
  • 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.
Affinity Secured Visa Credit Card Purchase Intro Offer
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:

Affinity Secured Visa Credit Card Fees
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.

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

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
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 300 - 850
Card Type Secured
Card Network Visa
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Fraud Liability  
Credit Card Benefits
  • Fraud Liability
  • Identity Theft Protection
Rewards Type No Rewards
Security Deposit Starting at $250
Cash Advance APR (Variable APR) 18%
Balance Computation average daily balance (including new purchases).
Purchase APR (Variable APR) 11.60%
Balance Transfer APR (Variable APR) 11.60%
Balance Transfer Fee Minimum $10
Balance Transfer Fee % 5%

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