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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Steve
Steve

Does anyone have a list of stores or category codes that are included in each current and upcoming rotating 5% category? Where can I find this information? Thanks

credit_addiction
credit_addiction

The quarterly 5% bonus doesn’t work for me. For the quarter April to Jun , even they announced a 5% promotional offer for grocery stores. I’ve never get the extra 5% bonus till now. Only 2% as normal. After contacting customer service several times, they tell me gc purchase don’t count. In fact, I do doubt they can get the Level 3 data. But even deduct for the gc, there are still near $900 normal spending on grocery. I think they don’t plan to honor it.

Charlie
Charlie

Looks like you messed up badly when you bought gift cards. Were the gift cards stand-alone purchases, or were they part of larger purchases that included real groceries?

Trevor
Trevor

IMO it’s pretty hard to reconcile the statement to make sure the correct amount is applied for bonus quarterly rewards, but it does seem correct.

The Q2 bonus for utilities, gas, and grocery posted on 7/30 and 7/31 for me. Two separate entries: “grocery” bonus and “spend” bonus (spend being the combined total of gas and utilities, for some reason).

The CC statement itself does not show rewards; you have to go into online banking to a separate tab to view your rewards “account”. Though the rewards account lets you see how each transaction was categorized ( Books/stationary, supermarket, or “cash” if the transaction was only eligible for the base 1%), I can’t view these details for anything over 30 days old despite the dropdown menu allowing viewing up to the past 90 days.

Rewards seem to be calculated generously though. I had a $300 utility payment made on 6/30 that didn’t post until 7/1, but I still got the 5% bonus on that despite the transaction being on July’s statement.

Walmart did count as grocery for the transactions I made at WM Super Center locations. Prime Video rental does not count as Amazon so no 5% on that.

Hope these DPs help.

Trevor
Trevor

And AWS does not code as Amazon 🙁

Ken
Ken

Got the 5% dated yesterday!

Jay - ⒿⒶⓨ 🙈 🙉 🙊
Jay - ⒿⒶⓨ 🙈 🙉 🙊

So, does anyone have any updates on the 5% being credited?

Sam
Sam

Rewards team is a different company who handles these points. I spoke to the rewards team. I was asking why the bonus points was not credited. They mentioned first time, everything looked good. But I did spoke to them about 5% extra CB on groceries and warehouses. They don’t want to really honor the bonus points as per my understanding.

Penny

As I recall, the bonus points are awarded at the end of the month following the time period.

So for Q1 (Jan to March), it was awarded last day of April/next statement after.

So for example, for the current 5% (June to Sept) the TOS states “Standard points will be credited normally (the day following the purchase); all bonus points will be credited by October 31, 2020. Additional terms, conditions and restrictions may apply.” at the bottom of the page. See https://www.affinityfcu.com/special-offers/hi-5.aspx

Jay - ⒿⒶⓨ 🙈 🙉 🙊
Jay - ⒿⒶⓨ 🙈 🙉 🙊

Penny thanks a lot for your answer (lets hope you’re correct and not Sam 🙂 ).

Could you please also share your experience getting the $200 sign up bonus after 3k spend?

Mine was met by middle of June and so far no sign-up bonus payment either (just wondering if I should call in or wait patiently)…

Penny

as i recall, the signup bonus was like 30 days or the statement after. Their rewards system is down it seems, as I can’t seem to go back. just wait it out.

Sam
Sam

How long does it take to get the 5%? Even though quarter ended, I still see only points for 2% and not bonus points.

zealot
zealot

Me too…

Penny

by July 31

Trevor
Trevor

Wondering if Walmart will code as grocery after seeing some supercenter locations code as grocery on my Chase Visa.

Trevor
Trevor

Has anyone gotten 5% back on Amazon AWS?

Ken
Ken

How long does it take to get the 5%? I only see 2% when the purchase posts.

ATC1
ATC1

I was advised the 5% bonus will be posted soon after the quarter ends.

Ken
Ken

Thanks ATC1!

Tom
Tom

Same here

Jay - ⒿⒶⓨ 🙈 🙉 🙊
Jay - ⒿⒶⓨ 🙈 🙉 🙊

Ken , ATC1 , Tom

anyone got their extra 5% grocery cashback points yet?

Bonus question: How long did it take for the $200 sign up bonus to post after reaching the 3k spend requirement?

aaron
aaron

My signup bonus just posted. Account opened mid May, hit the spend requirement last week of June. Still haven’t received the Q2 5% bonus.

ATC1
ATC1

Need some clarification. Can you purchase gift cards at wholesale clubs and receive 5% cash back through the end of June?