| Rewards | When you make Eligible Purchases (your net purchases excluding returns/credits), you automatically earn Base Points and potentially Bonus Points. The program uses a tiered structure (for personal cards) where your monthly spend determines how many points you earn per dollar. |
|---|---|
| Signup Bonus | Receive minimum 10,000 and up to 150,000 welcome offer points when you are approved for any Affinity Mastercard® with Affinity Rewards. |
| Annual Fee | $0 |
| Cardmember Agreement | View Here |
| Cash Advance APR | 22.99% (APR is subject to change) |
| Cash Advance Fee | $2 inside Canada and $5 outside Canada |
| Late Payment Fee | N/A |
| Purchases APR | 12.99% (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 Gold Choice Rewards MasterCard stands out as a no-annual-fee card that earns points on everyday spending, redeemable for travel, merchandise, or cash back. It’s known for keeping things simple — no fancy perks, but steady value for people who like rewards without paying to earn them.
Most users say they appreciate the no-annual-fee, straightforward rewards program and solid customer service from Affinity Credit Union. Many also like that the card offers purchase protection and extended warranty coverage, which isn’t always a given on a free card.
On the downside, reviewers often mention that the earn rate feels modest compared to premium rewards cards and that travel redemption options are somewhat limited. Some also note the card lacks flashy extras like airport lounge access or travel insurance beyond the basics.
Personally, I think the Gold Choice Rewards MasterCard is a smart pick for budget-conscious users who want flexible rewards without paying an annual fee. It’s not a luxury travel card — but for everyday spending and no-fuss value, it quietly does its job very well.
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Nice credit union card
I like credit unions so I tried this card. It gives me points and the service feels personal. The rewards are not top of the market. Still it is a comfortable and easy card to use.
