| Rewards | You earn Base Points on every net purchase (i.e., eligible purchases minus returns). Base Points follow a tiered monthly spending model: 2 points per dollar for $0–$749, 4 points for $750–$1,499, and 6 points for $1,500+ in a calendar month. On top of that, you can earn Bonus Points: 8 points for each dollar spent in your “highest spend category,” up to 20% of your monthly spend. |
|---|---|
| Signup Bonus | New members who open a qualifying chequing account (including a Student account) are approved for an Affinity Mastercard can get 50,000 bonus Affinity Rewards. |
| 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 | 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 Student MasterCard is generally known as a straightforward, no-annual-fee starter card designed to help students build credit without added costs. It doesn’t come with flashy perks, but it does offer a simple rewards structure and a low-maintenance setup that fits most student budgets.
Most users appreciate the zero annual fee, the easy approval process, and the card’s help in establishing credit while earning modest rewards on everyday spending. Many reviewers mentioned that the card feels “reliable and uncomplicated,” which is exactly what new credit users want.
On the downside, students often note that the rewards rate is pretty basic, and some wish the card offered perks like boosted categories, a welcome bonus, or better travel features. A few also mention that the card’s features feel limited once they start earning more or spending more regularly.
Personally, I think the Student MasterCard is best for first-time cardholders who want to build credit safely without paying fees. If you’re hoping for high rewards or premium benefits, you’ll probably outgrow it quickly — but as a starter card, it does exactly what it promises.
RATE THIS CREDIT CARD
Please enter a title of your review.
Please enter a title of your review.
Please write some review.
Bro sorry, but some error occurred :O
There are no reviews yet. Be the first to leave yours!
