| Rewards | You earn Base Points on “Net Purchases” (eligible card purchases minus returns/credits). Points are earned according to a tiered monthly-spend model. |
|---|---|
| Signup Bonus | An extra 50,000 Affinity Rewards points on top of the standard welcome points. Standard welcome points are 10,000 points for the base Affinity Mastercard. |
| 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 Rate MasterCard is a no-annual-fee card built for people who want simple, low-cost borrowing rather than rewards or perks. It’s mainly known for its low interest rate on purchases and cash advances, making it appealing to anyone who occasionally carries a balance and wants to keep interest charges predictable.
Most users say they appreciate the straightforward pricing — no annual fee, no gimmicks, and one of the more reasonable APRs offered by a credit union. Many reviewers also like that it feels “stress-free,” since there’s no rewards program to track or bonus categories to optimize.
On the downside, many reviewers mentioned that the lack of rewards is a drawback, especially when other low-fee cards offer at least modest cash back or points. Some users also point out that the card offers very few perks, such as insurance or purchase protection, which may matter to frequent travelers or shoppers.
Personally, I think this card is best for budget-conscious borrowers who prioritize a low interest rate over extras. If your goal is to keep costs down and avoid credit card debt, it’s a solid, practical choice — but if you want rewards or travel benefits, you’ll likely want to look at Affinity’s Choice Rewards or Gold lineup instead.
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Bro sorry, but some error occurred :O
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great low interest option
This helped me save on interest right away. It doesn't have flashy rewards, but the consistently low APR and easy account management make it a dependable everyday card.
