Why the Pure Rewards Visa® credit card?
The rewards you want without the fees.
With the Affinity Pure Rewards Visa® credit card, earn reward points for every dollar you spend plus points never expire—all without having to pay any annual or hidden fees.
Flexible Rewards
Redeem for cash back, merchandise, gift cards, travel, and more
Pay With Points5
Redeem rewards points to pay for qualified purchases
Unlimited Points
Earn points that never expire for every dollar you spend
Visa® Zero Liability6
You're protected if your credit card is lost, stolen or fraudulently used
No Penalty for Missed Payments4
Affinity does not apply increases for missed payments
24/7 Concierge6
Get access to Visa® Signature Concierge for travel services and more
Paying Without Plastic, Securely
Tap to Pay® or put your card in your digital wallet to use with Apple Pay™, Google Pay™ or Samsung Pay™.
VIEW OTHER AVAILABLE AFFINITY CREDIT CARDS
Affinity members get more than just great rates.
Affinity is a credit union—not-for-profit financial cooperative that exists to serve members. In fact, we're actually owned by our members—and with our Pure Rewards® Visa® Card you get all sorts of perks: 5,000 bonus points on your first purchase, points for every dollar you spend, flexible rewards points, and so much more. All with no annual fees—and a competitive rate that you can feel confident about when making purchases.
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FREQUENTLY ASKED QUESTIONS
General questions
Can credit unions give credit cards?
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.
Is it hard to get a credit card from a credit union?
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.
Is a credit union card a credit card?
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.
Do credit unions charge balance transfer fees?
Yes. There is typically a balance transfer fee when a sum is transferred to a card.
Affinity credit card account questions
How do you earn cash back on a credit 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.
Are there restrictions on travel rewards with Affinity?
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.
Can I use my Affinity Credit Card for mobile payments?
Yes. You can put your card in your mobile wallet and use it with Google Pay™, Apple Pay™, and Samsung Pay™.
Do Affinity Credit Cards have an annual fee?
No. All our credit cards have $0 annual fees.
Join Affinity Federal Credit Union
How do I join Affinity?
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.
What is the fee to join?
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.
Where is the closest branch location?
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.
What is the difference between a credit union and a bank?
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.