Whether you're looking for traditional benefits or premium rewards, we have a card for you.
Earn up to 5% cash back on everyday purchases
Earn points for every dollar you spend, every day
Enjoy the same low APR on balance transfers and purchases
Build your credit without paying high rates or fees
With an Affinity Federal Credit Union credit card, conveniently and safely pay in store, over the phone, or online. Plus, never pay an annual fee.
$0 Annual Fee 1
None of our credit cards charge an annual fee, ever
Tap to Pay
Pay with a single tap, using your card or mobile device
Visa® Zero Liability 2
Visa helps protect from fraud, so you can pay with confidence
Protect your card with transaction alerts, card controls, geolocation, and Visa® Secure.
The Affinity Business First SM Visa® credit card offers a low variable rate, has no annual or hidden fees, and has a rewards program that lets you earn points for every purchase made. Plus you'll enjoy security, savings, and additional benefits that come with all Affinity credit cards.
Our credit cards, checking accounts, and other services are for members only. Joining is easy: Join online or call us at 800.213.5003.
Choose the card that best fits your needsDo you want more cash back? More points flexibility? A lower APR? You can’t really go wrong any way you choose.
Choose the most convenient way to apply Start your application online, at your nearest branch, or by calling us at 800.325.0808.A credit card can be a useful tool in building up your credit and is often used for accessing many.
Credit cards may not always have a great reputation, but can serve as a great financial tool if.
With today’s technology, it is easier than ever to travel to several different countries, all.
Yes. Credit unions can offer credit cards along with most or all of the services people typically associate with banks, such as checking accounts, loans, investment services, and business checking.
If you belong to a credit union, the staff will typically try to work with you to help you get access to the financial services you need as a member. So, for example, if there's a problem with credit scores, it may be easier to get the credit card you want from a credit union, compared to getting a comparable card from a bank or other financial institution.
A credit card from a credit union works the same way as a credit card from a bank or financial institution. However, because credit unions are member-owned, they may charge lower rates and offer better rewards to satisfy member needs.
Yes. There is typically a balance transfer fee when a sum is transferred to a card.
Depending on the type of rewards card, you’ll earn a certain number of points for qualifying purchases. Points never expire. You can redeem those points for cash back and other kinds of rewards. If you want cash back, you can receive it in the form of a cashier's check, Affinity Visa gift card, credit to your credit card, savings account deposit, or checking account deposit.
No. You can redeem your points for airline tickets, hotel stays, cruises, or other vacation getaways. There are no blackout dates, no advance notice requirements, no Saturday night stay limitations, and no round-trip requirements. You also have the option to redeem your points toward all or part of your ticket.
Yes. You can put your card in your mobile wallet and use it with Google Pay™, Apple Pay™, and Samsung Pay™.
No. All our credit cards have $0 annual fees.
Almost anyone can be eligible for membership! We have relationships with over 2,000 businesses, associations and clubs, and you can join Affinity through your association with one of them.
If you are not eligible through one of these paths, you have the option to join by making a one-time $5 donation to the Affinity Foundation whose vision is to end the cycle of poverty for those we serve.
With Affinity you are more than a member, you are part owner. Affinity is owned and controlled by members who use its services.
This ownership happens when you establish your $5 membership account, which gives you one par value share in Affinity. This is not a transactional account, and these funds will not earn dividends. The account must remain open and funded with the $5 during your membership with Affinity.
Our digital tools, such as the Affinity Mobile Banking App and Online Banking, make it easy to manage your account and deposit checks right from your phone. You can also view our branches, shared branching locations and ATMs by visiting Affinity locations.
Credit unions, unlike banks, are based on a cooperative or "co-op" model in which the members are also the owners. This is the biggest difference between credit unions and banks. While a bank is a for-profit company that distributes profits among shareholders or individual owners, a credit union is a not-for-profit institution "owned" by its members. Therefore, you can think of credit union membership as buying a stake in an organization rather than paying somebody else in exchange for services. Learn more.