| Rewards | You earn Base Points on every eligible purchase (“Net Purchases”) made with the card, provided your account remains in good standing. The program uses a tiered monthly spending model: once you hit a certain spend threshold in a calendar month, you move into a higher earn rate for the rest of that month. Beyond Base Points, you also earn Bonus Points on purchases made in your “highest spend category” each month. The rewards terms say you’ll get these additional points on purchases in the category (e.g., Dining, Travel, Groceries) where you spent the most that month — up to a cap. |
|---|---|
| Signup Bonus | Minimum 10,000 and up to 150,000 points |
| Annual Fee | None |
| Cardmember Agreement | View Here |
| Cash Advance APR | 12.99% (APR is subject to change) |
| Cash Advance Fee | $10.00 or 3% of the amount of each cash advance, whichever is greater. |
| Late Payment Fee | Up to $27 the first time your payment is late by 5 or more days. If you make a subsequent late payment within the following 6 billing cycles, you’ll be charged up to $37. |
| Purchases APR | 12.35% (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 MasterCard is known for keeping things simple — a solid, low-interest card with no annual fee, purchase protection, and a reasonable rewards program for everyday spending. It’s designed more for value and practicality than for flashy travel perks or luxury benefits.
Most users say they appreciate the low purchase interest rate, no annual fee, and the friendly customer service that Affinity Credit Union is known for. Many also like that it’s an easy card to manage, with clear terms and reliable fraud protection.
On the flip side, some reviewers mention that the rewards rate isn’t as high as what you’d find on premium travel cards, and that bonus categories are limited, which can make it feel less exciting for heavy spenders or frequent travelers.
Personally, I think the Gold MasterCard is a great fit for everyday users — especially those who prefer low costs, transparent terms, and dependable support over bells and whistles. If you’re after simplicity and steady value without paying an annual fee, it’s a strong pick. But if you’re chasing top-tier rewards or travel perks, you might find better options elsewhere.
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