| Rewards | You earn base points on every dollar spent, with a tiered structure: 2 points / $1 on the first $0–$749 of monthly spending 4 points / $1 for the next $750–$1,499 6 points / $1 on all spending $1,500+ in that month. On top of that, you can earn bonus points: 8 bonus points per dollar (for their base Mastercard) on purchases in your highest spend category (up to 20% of your monthly spend). |
|---|---|
| Signup Bonus | 10,000 Affinity Rewards™ on approval for the base Affinity Mastercard. Plus an additional 50,000 welcome points for new members. |
| Annual Fee | $0 |
| 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 | N/A |
| * Card terms and offers are subject to change. Confirm current details with the issuer. | |
CARD OVERVIEW
The Affinity Credit Union No Fee Choice Rewards MasterCard is generally known as a simple, no-annual-fee card that lets you earn rewards on everyday spending without fuss. Most users say the main draw is exactly that — straightforward points, no yearly cost, and a card that feels easy to manage.
Positive feedback:
Many reviewers mentioned that the rewards accumulate consistently on groceries, gas, and other routine purchases. People also like that there’s no annual fee cutting into the value they earn. Several users say customer service feels more personal than what they get with big-bank cards.
Negative feedback:
Common complaints focus on the rewards not being as strong as those from premium cards. Some users wish for better travel perks, a richer sign-up bonus, or a more modern app experience. A few note that redemption options can feel limited.
Blogger’s take:
Personally, I think this card shines for budget-minded spenders who want steady rewards without paying to keep the card. It’s not a powerhouse for travelers or points maximizers, but if you just want a no-fee, no-stress rewards card, it’s a solid fit.
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Great no fee everyday card
I've been using this card for my daily purchases and the no fee structure is a huge win. Rewards rack up faster than I expected, and their customer service has been consistently helpful. Solid choice for budget minded users
