| Rewards | You earn Base Points on “net purchases” (eligible purchases excluding things like cash advances, fees, interest). Points earned increase based on your monthly spend tier: e.g., for the base card: 2 points per $1 for $0-$749.99; 4 points per $1 for $750-$1,499.99; 6 points per $1 for spend $1,500+ |
|---|---|
| Signup Bonus | 10,000 points for the base card. A bonus of 50,000 points on top of the standard welcome points when you’re approved for any consumer Affinity Mastercard®, if you are a new member. |
| Annual Fee | $120 CAD |
| 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 MasterCard is known for offering a nice middle ground between affordability and perks. It features a low 12.99% interest rate, flexible rewards, and a $10 monthly fee that can be waived with enough monthly spending. It’s not overloaded with luxury benefits, but it delivers steady value for everyday users who prefer a credit union over a big bank.
Most users say they appreciate the low ongoing costs, dependable customer service, and the simplicity of earning and redeeming points through the Affinity Rewards program. Many also like that it includes a few Gold-level perks, such as basic travel insurance, without the high fees often attached to premium cards.
On the downside, reviewers often mention that the rewards rate isn’t especially high, and online tools could use an update. Some also feel the spending requirement to waive the fee is steep for light users.
Personally, I think this card is a solid pick for practical spenders who want low interest, modest rewards, and credit union service. It’s not the flashiest option, but for those who value reliability and community banking, it’s quietly impressive.
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