Update 4/29/20: They have added 5% on grocery, and streaming services for April, May & June. This in addition to 5% on gas. This means you’ll earn 7% on grocery and 6% on streaming. Hat tip to reader Scott F & Ari
Update 4/15/20: Readers are now being shown a $3,500 cap on bookstore purchases per month. It doesn’t show on the landing page at all, but under ‘Credit Card Rewards tab’ when logged in. This seems misleading to not display or mention this cap on the landing page. Hat tip to readers TinkoDinko & PG
Update 1/20/20: Card now has 5% rotating categories:
- January – March: Restaurants
- April – June: Gas
- July – September: Clothing & Home Furnishing
- October – December: Bookstores/discount retailers
This is in addition to the points you’d normally earn
Hat tip to reader David
Update 8/8/19: Card no longer has an annual fee of $95.
Update 3/6/19: This card also earns 5% back on restaurants for the month of March.
Affinity Federal Credit Union offers the ‘Affinity Cash Rewards Visa® Signature Credit Card‘. Let’s take a look at this card in more details
Contents
Card Basics
- $200 cash back after $3,000 in spend within the first 90 days
- Card earns at the following rates:
- 5% cash back at all bookstores including Amazon
- 2% cash back at restaurants, gas stations and supermarkets
- 1% cash back on all other purchases
Our Verdict
There are lots of cards that earn at a high rate on Amazon purchases. There aren’t really any that earn 5% back at all bookstores anymore. It also looks like you need to be a member to apply, anybody can become a member by donating $5.
Hat tip to reader batsy71
This card will recognize transactions at BJ, which is seen widely as warehouse wholesale, as supermarket so you will get 2x points. They will give you additional 5% cash back on supermarkets, gas, and home gardening purchases in this quarter. So you will get 7% on gas and supermarkets (including BJs) for the next 3 months. This is awesome.
In store, have not tried online
How do you tell which transactions qualify as supermarket? I don’t see any place on their website where it shows this? I’m trying to figure out if my Sam’s club purchases qualified. TIA
Link to 5% categories is broken. Is there any live link to their 5% categories?
Do both cards Pure rewards and cash rewards have the same benefits? which one is better?
Rotating 5% categories for Q1 2022 are:
Gas, Cellular/Wireless, Cable/Satellite
Source: Front page here: https://www.affinityfcu.com/
I don’t have this card but have looked into it a few times. I have noticed there’s an option to pay the CC off with a debit card for a 4.95 fee. Does this work with VGC? I would not mind paying that fee to easily liquidate some bigger VGCs.
doesn’t work. I’ve tried a metabank card and it declined, maybe others would work
Bummer. I was hopeful. Thanks for the quick DP.
This quarter (October-December, 2021) offers 5% cash back on Amazon, Discount stores and Supermarkets.
Does this mean you’ll get a total of 10% cash back on Amazon purchases since the card already provides 5% cash back at Amazon?
Also how about 7% total cash back at Supermarkets?
yes. this 5% is in addition to the categories already earn. so 10% at Amazon and 7% at supermarket up to a total of $3500 spend total for the quarter. the credit for this extra 5% will be issued towards the end if January/early February while the category earn (so first 5% at Amazon and 2% at supermarket) is awarded at end of credit card statement
Hi, is the max capped at $3500 for the quarter or for the month?
the quarterly 5% bonus is capped at 3500 a quarter (this quarter is Gas, Cellular/Wireless, Cable/Satellite)
the 5% bonus at Amazon that goes with the card is capped at 3500 a month
Thanks!
Is amazon market place(3rd party selling) eligible for 5% cashback? Any?
Looks like they are keeping the 5% rotating categories for another year at least (maybe a permanent feature?):
https://cloud.connect.affinityfcu.com/hi5
Extended warranty benefit removed 🙁
A notice on the bottom of the September CC statement
“Effective February 1, 2021, your Affinity Cash Rewards Visa Signature Credit Card will no longer provide Auto Rental Collision Damage Waiver and Warranty Manager Service. All other card benefits will remain in place. To download descriptions of your card benefits, please visit AffinityFCU.com.”
Also being removed from a bunch of Synchrony Cards at the same time.
Worth noting that while the Extended Warranty is gone, the 90 days of Purchase Protection up to $1k remains.
Since Prime video rentals and AWS don’t code for 5%, does anyone have a DP whether Prime subscription renewal codes for 5%?
I assumed that it would, but checking the rewards statement it looks like it did NOT get the 5% base earn. Since my Prime membership renews during the Hi-5 extra 5% quarter, I’ll have to check back later to see if it qualified for those points.