| Rewards | Tier 1 (first $1-2,999/month): 10 points per $1 spent. Tier 2 ($3,000-$5,999/month): 20 points per $1 spent. Tier 3 ($6,000+ in a month): 30 points per $1 spent. |
|---|---|
| Signup Bonus | New cardholders of this World Elite version can receive 150,000 welcome points (which equates to about $150 in value). |
| Annual Fee | N/A |
| Cardmember Agreement | View Here |
| Cash Advance APR | 22.99% (APR is subject to change) |
| Cash Advance Fee | $2 (for cash advances inside Canada) |
| Late Payment Fee | N/A |
| Purchases APR | 20.99% (APR is subject to change) |
| * Card terms and offers are subject to change. Confirm current details with the issuer. | |
CARD OVERVIEW
The Affinity Credit Union Choice Rewards World Elite Mastercard stands out for its flexible rewards program and premium travel benefits, making it a favorite among frequent travelers and loyal Affinity members. It typically carries an annual fee, but many say the perks—like travel insurance, concierge service, and no foreign transaction fees—help offset the cost.
Most users say they love the consistent rewards on everyday purchases, especially since points can be redeemed for travel, merchandise, or statement credits. Many reviewers also praise the strong insurance package that includes trip cancellation, car rental coverage, and extended warranties—features not always found on mid-tier cards.
On the downside, some users mention the annual fee feels high if you don’t travel often or spend enough to maximize the rewards. Others note that point redemption options could be more straightforward and that the online experience isn’t as slick as major bank cards.
Personally, I think this card shines for travel-savvy spenders who value flexible rewards and top-tier protection. But if you’re mostly after simple cash back with no annual fee, a lower-tier rewards card might give you better value.
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Bro sorry, but some error occurred :O
M
easy to use
The rewards program is generous, and I love being able to redeem points for travel and dining without hassle. This has exceeded my expectations!
