There are two different kinds of Visa credit cards offered by the Affinity Federal Credit Union. Only applicants that already have a relationship with the Affinity Federal Credit Union will be able to get a line of credit. The Affinity Federal Credit Union Visa Pure Rewards Visa credit card has a higher interest rate, but cardholders also get to earn more bonus points. The Affinity Federal Credit Union Premium Visa is best for those that like to keep their balances low and pay them off quickly.
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Suze Orman talks in detail about the recent changes in credit card laws in which consumers should be aware. Although the interest rates that Affinity Federal Credit Union offers on its credit cards are low, they can change at any time.
Benefits of the Affinity Visa Platinum Credit Card
Neither of these credit cards comes with a yearly fee. The Affinity Federal Credit Union Premium Visa doesn’t help cardholders to earn rewards points. However, it does offer them an easier way to save money. The low 8.6% APR will not go up if an account goes over the limit or if a cardholder pays late.
Affinity Federal Credit Union Visa Pure Rewards cardholders pay more for purchases, but they also get access to the Affinity Rewards program. Some purchases are valued at a 6:1 cash to points ratio. Applicants that want to apply for these credit cards should join the Affinity Federal Credit Union and ask a customer representative about how they can qualify.
Affinity Visa Platinum Credit Card’s Interest Rates
When an Affinity Federal Credit Union Visa Platinum card is used in a foreign country, cardholders pay an additional 1% in interest charges. This is on top of the 8.6% to 18% that is charged to their revolving balances.
Affinity Federal Credit Union credit cardholders can get cash advances and transfer credit card balances without incurring added fees. Interest rates on both the rewards and the personal credit cards from Affinity Federal Credit Union can change, but cardholders can also choose to close their accounts if they do not want to pay more in interest.
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