Affinity Federal Credit Union Credit Card – $200 Bonus & 5% On Bookstores (Including Amazon), 5% Rotating Categories Added

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

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

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The real churner
The real churner

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.

anthonyjh21
anthonyjh21

The real churner .com or only in store?

The real churner
The real churner

In store, have not tried online

Ganga
Ganga

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

20201103
20201103

Link to 5% categories is broken. Is there any live link to their 5% categories?

David

Do both cards Pure rewards and cash rewards have the same benefits? which one is better?

Larraebeedrill
Larraebeedrill

Rotating 5% categories for Q1 2022 are:
Gas, Cellular/Wireless, Cable/Satellite

Source: Front page here: https://www.affinityfcu.com/

Otto
Otto

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.

Penny

doesn’t work. I’ve tried a metabank card and it declined, maybe others would work

Otto
Otto

Bummer. I was hopeful. Thanks for the quick DP.

atc1
atc1

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?

Penny

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

David
David

Hi, is the max capped at $3500 for the quarter or for the month?

Penny

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

David
David

Thanks!

Kris
Kris

Is amazon market place(3rd party selling) eligible for 5% cashback? Any?

Greg
Greg

Looks like they are keeping the 5% rotating categories for another year at least (maybe a permanent feature?):

https://cloud.connect.affinityfcu.com/hi5

Trevor
Trevor

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.”

lochquel
lochquel

Also being removed from a bunch of Synchrony Cards at the same time.

Zooter
Zooter

Worth noting that while the Extended Warranty is gone, the 90 days of Purchase Protection up to $1k remains.

Trevor
Trevor

Since Prime video rentals and AWS don’t code for 5%, does anyone have a DP whether Prime subscription renewal codes for 5%?

Ben
Ben

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.