| Rewards | Cardholders earn Base Points on everyday purchases, with tiered earn-rates based on monthly spending. On top of that, you can earn Bonus Points each month on purchases in your highest spend category (10 merchant-category groups such as Travel, Groceries, Tech, etc.), up to 20% of your total monthly spend. |
|---|---|
| Signup Bonus | You can earn 60,000 welcome points when approved for the consumer Affinity Mastercard® (base version). |
| 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 MasterCard is a straightforward, no-annual-fee credit card designed for people who want affordability and simplicity over flashy perks. It’s best known for its low 12.99% purchase APR and access to the Affinity Rewards Program, where users can earn points on everyday spending without paying extra to participate.
Most users say they appreciate the card’s budget-friendly nature — no annual fee, competitive interest rate, and the peace of mind of being backed by a trusted local credit union. Many reviewers also like that the rewards program offers flexibility, with points redeemable for travel, merchandise, or statement credits.
On the flip side, some cardholders mention that the rewards aren’t as generous as those from higher-tier or cash-back cards, and that there’s no welcome bonus tied specifically to this version. Others wish for more premium perks like travel insurance or purchase protection.
Personally, I think this card is a solid pick for credit-builders or budget-conscious spenders who just want a dependable, low-cost credit card. But if you’re chasing high rewards or luxury perks, you’ll probably find better value in Affinity’s Gold or World MasterCard tiers.
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