The Affinity Federal Credit Union Hillsborough Rewards Visa credit card is an affinity credit card offered by Affinity Federal Credit Union. When you use your credit card, Affinity Federal Credit Union will donate money to a charity of your choice based on your total purchase price.
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As with most Credit Union credit cards, this is a low interest credit card. It is not a bad credit credit card, but you can have slightly bumpy credit and still qualify for this card, although you will not qualify for the lowest interest rate. You can learn more about this credit card offer at the Federal Reserve Board website.
Overview of the AFCU Hillsborough Rewards Visa
As mentioned above, this affinity card pays out to a charity of your choice. However, you do only have a few charitable organizations from which to choose. These organizations include:
- Auten Road H.S.A.
- Hillsborough Democratic Club
- Hillsborough Dukes
- Hillsborough Republican Club
- Hillsborough Senior Citizens Club Chapter A or Chapter B (your choice)
- Somerset Valley Players
- Triangle School H.S.A.
When you apply for this card, you will first select the organization that you wish to support. As you can see these are all local to Hillsborough (hence the name of the card) and this is meant to be a community support card.
In order to qualify for this card, you do have to open an account with the Affinity Federal Credit Union. The upside is that the minimum deposit is $5.
As a rewards card, you can earn 1 point for every $1 that you spend with your card. Your points can be redeemed for cash, gift certificates, or travel.
Terms of the AFCU Hillsborough Rewards Visa
The terms for this card include:
- No annual fee
- 10.6% to 16.6% variable APR for purchases, balance transfers and cash advances
- No ATM fees
- No penalty APR
- 1% foreign transaction fee
- No other transaction fee
- $25 returned and/or late payment fee
Verdict on the AFCU Hillsborough Rewards Visa
While this is an excellent credit card for people who live in the Hillsborough, NJ area, this isn’t a card for everyone. If you don’t live in this area, then the affinity portion of this card won’t make sense and the rewards portion of this card is somewhat limited.
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