Affinity Credit Union Student Choice Rewards MasterCard | Reviews

CARD OVERVIEW

The Affinity Credit Union Student Choice Rewards MasterCard is generally known as a starter-friendly rewards card aimed at young adults building credit for the first time. Most users say the appeal comes from its no-annual-fee structure, simple rewards on everyday purchases, and the fact that it’s issued by a member-focused credit union rather than a big bank.

Positive feedback:
Many reviewers mentioned that earning rewards on student-life spending — things like groceries, transit, and small daily purchases — feels straightforward. Most users say they appreciate the low barrier to approval and the supportive customer service, which can be a big confidence boost when you’re learning how credit works.

Negative feedback:
Common complaints are that the rewards rate isn’t especially high and that the card doesn’t come with the travel perks or flashy signup bonuses found on premium cards. Some users also wish the mobile app and online tools were a bit more modern and feature-rich.

Blogger’s take:
Personally, I think this card works best for students who want a safe, low-cost way to build credit while still earning some rewards. It’s not the card for maximizing points or traveling the world, but if you want something simple, supportive, and fee-free, it’s a solid starter pick.