| Rewards | You earn Affinity Rewards™ points on every purchase. For the base tier (Mastercard®): 2 points per $1 on the first $0–$749.99 of monthly spend, 4 points per $1 on $750–$1,499.99, and 6 points per $1 on $1,500+ spend. |
|---|---|
| Signup Bonus | The base card offers a welcome bonus of 10,000 Affinity Rewards™ points. |
| Annual Fee | None |
| Cardmember Agreement | View Here |
| Cash Advance APR | 12.99% (APR is subject to change) |
| 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 Gold Choice Rewards MasterCard is known for pairing premium-style perks with a low annual cost. It earns flexible rewards points on every purchase and offers a competitive 12.99% interest rate, making it appealing for those who carry a balance occasionally but still want to earn points. The card also includes basic travel insurance and purchase protection, which is rare for a low-fee option.
Most users say they like the balance between affordability and benefits, noting that it feels like a “gold” card without the high fees. Many reviewers mention responsive local customer service and straightforward rewards redemptions as standout positives.
On the flip side, some cardholders wish for richer travel perks or higher point multipliers, saying the rewards structure feels modest compared to big-bank cards. Others mention that online tools and mobile access could be smoother.
Personally, I think this card is best for everyday spenders who want low costs but still value some premium perks. It’s not a luxury travel card, but for members who appreciate simplicity, fair rates, and a touch of gold-level benefits, it’s a smart middle-ground choice.
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Low fees and great rewards
This card is perfect for everyday spending without worrying about high fees. The rewards program is straightforward, and customer service is very helpful. Definitely a smart choice for anyone looking to save while earning points.
