| Rewards | On the base Mastercard: 2 points per $1 for first $0-$749.99 of monthly spend, 4 points per $1 for $750-$1,499.99, and 6 points per $1 for $1,500+ monthly spend. On the World Mastercard: 5 points per $1 for first $0-$1,499.99, 10 points per $1 for $1,500-$2,999.99, and 15 points per $1 for $3,000+ monthly spend. |
|---|---|
| Signup Bonus | 10,000 points for the base Affinity Mastercard® |
| Annual Fee | None |
| Cardmember Agreement | View Here |
| Cash Advance APR | 12.99% per annum for the base Affinity Mastercard |
| Cash Advance Fee | N/A |
| 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 Low Fee Choice Rewards MasterCard is known for blending low costs with a simple, flexible rewards system. It’s a no-frills card that earns points on everyday purchases, which can be redeemed for travel, merchandise, or cash back — and it comes with a modest interest rate (around 12.99%) and no hefty annual fee.
Most users say they appreciate its straightforward rewards, reasonable rates, and the fact that it’s offered through a member-owned credit union rather than a big bank. Many reviewers also highlight the helpful customer service and ease of redeeming points.
On the downside, some cardholders wish the rewards rate were higher and note that travel perks and insurance coverage are limited compared to premium cards. A few also mention that online account tools could be more modern.
Personally, I think this card is best for budget-minded spenders who want a dependable everyday rewards card without paying extra fees. It’s not flashy, but if you value low costs, fair rates, and community-based banking, the Low Fee Choice Rewards MasterCard delivers solid value for what it promises.
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