The Affinity Federal Credit Union Pure Rewards Visa credit card is rewards credit card designed for people with good to perfect credit. You can have a couple of bumps on your credit history to qualify for this card; however, you cannot have any judgments or bankruptcy or any recent late payments. Regardless, this is not a bad credit credit card and it can hurt your credit to apply for a card for which you aren’t qualified.
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Although this credit card is from Affinity Federal Credit Union, it is not an affinity card in the terms of it being a card that can be used to provide support for a specific organization. If you live in NJ, then Affinity does have the Hillsborough Rewards Visa for supporting specific organizations.
AFCU Pure Rewards Visa Rewards Program
This credit card is a rewards credit card that offers 5,000 bonus points when you make your first purchase. You can earn one point for every $1 that you spend using your card for normal purchases and two to five points when you use your card on the Affinity reward website. You can redeem points for travel, merchandise, gift cards, or cash.
There is no cap on the amount of points that you can earn and your points will never expire. What is really nice about the rewards program is that there are no blackout dates for travel and you can travel via plane, ship, or train and redeem your points.
Terms of the AFCU Pure Rewards Visa
The terms for this card include:
- 12% to 18% variable APR for purchases, balance transfers and cash advances
- No annual fee
- No minimum interest charge
- Foreign transaction fee of 1%
- No other transaction fees
- Late payment and returned payment fee of $25
- Balance calculated based upon terms required by the Federal Reserve Board
Verdict on the AFCU Pure Rewards Visa
Overall, this is an excellent credit card with low fees and great terms. You do need to become a member of Affinity Federal Credit Union in order to apply for this card.
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