Affinity Plus Federal Credit Union Visa Platinum Rewards Credit Card

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Affinity Plus Federal Credit Union Visa Platinum Rewards Credit Card

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The Affinity Plus Federal Credit Union Visa Platinum Rewards credit card is a credit card that is designed for people with slightly bumpy to perfect credit. This is a low interest credit card that increases the APR based on your credit score. As your credit rating improves, so does your interest rate on this card.

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As a general rule, Credit Union credit cards offer far lower interest rates than other credit cards. Because this card is designed for people with slower credit as well as those with great credit, the rates vary a little more widely than perhaps some other credit union credit cards.

Overview of the APFCU Visa Platinum Rewards Credit Card

The APFCU Visa Platinum Rewards credit card is a rewards card, as the name suggests. You can earn one point for every $1 that you spend on new purchases. However, you have to use your points within five years or they will expire.

As mentioned above, this card changes with your credit score. What this means is if you have bumpy credit when you get the card and you have a 17.9% interest rate, but your credit score improves over the years, you aren’t stuck with that higher interest rate. It will lower as your credit score increases.

Conversely, if you start out with a great credit score and your score gets worse, then your interest rate will increase. It will not matter if you are in good standing with your card, if your credit goes bad, so will your interest rate on this card! Affinity Plus will check your credit score every six months and make adjustments accordingly.

Terms of the APFCU Visa Platinum Rewards Credit Card

Before we get into terms, you should know that this card’s APR is not variable, which is unusual for credit cards these days. Most are based on the Prime Rate, which can change monthly. You can see the current Prime Rate at PrimeRateGov.com from the Wall Street Journal and other financial websites.

The terms for this card include:

9.9% to 17.9% APR
No annual fee
No penalty APR
No minimum finance charge
No transaction fees for purchases
No balance transfer fee
1% foreign transaction fee
2% or $2 cash advance fee, whichever is greater

Verdict on the APFCU Visa Platinum Rewards Credit Card

This could actually prove to be an excellent card for someone who is working on their credit. However, this is not a bad credit credit card, so keep that in mind. In addition, Affinity Plus does not make it clear whether you need to be a member to qualify for this card nor do they have an online feature to apply.

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