Posted by William Charles on August 8, 2019
Deals

Published on August 8th, 2019 | by William Charles

45

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

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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Lrdx
Lrdx

https://www.affinityfcu.com/Join-Affinity/index.aspx

“Don’t see your organization? No worries! You can become a member of the New Jersey Coalition for Financial Education by making a $5 donation when you fill out your online application.”

Brian
Brian

I have family in NJ that are members, shouldn’t be IA only.

diggs
diggs

It’s not. That’s an error on William Charles ‘s part.

There’s a different CU, Affinity CU (not “Federal”) that’s an IA only CU:
https://www.affinitycuia.org/

Affinity FEDERAL Credit Union seems to have branches in NJ, NY and a few in CT (none in IA):
https://www.affinityfcu.com/locations/index.aspx

Alex
Alex

This would be an incredibly niche use, but with the 5% cashback at bookstores it could be a good card for when B&N gets Gift of College gift cards for anyone who needs to pay back student loans.

Brian
Brian

+1

Frank
Frank

Don’t need loans to do GoC. Just run it through a 529 plan

Thomas
Thomas

you can do GOC to 529 as well.

sloebrake
sloebrake

And the majority of the comments for the Gift of College at B&N post was ‘This is worthless, why post it’

This is why. DoC team puts out reliable stuff and things come in and out of usefulness. Pay attention and you can get to a couple hundred to thousands of dollars.

Andrew
Andrew

I haven’t been able to find a $500 version from B&N. Any secret? I can use GOC to load my ABLE account

W
W

This could also earn 5% at Amazon without needing prime, which technically saves you money if you otherwise don’t need it.

Still think id get prime and the chase card if able but the annual fee is not so bad if youre keeping it longterm

diggs
diggs

>> This could also earn 5% at Amazon without needing prime, which technically saves you money if you otherwise don’t need it.

That’d be true for the first year (as the AF is waived the 1st year); however, given that the card has a $95 AF thereafter (unless you charge at least $25K/yr to it), not really worth it just for AMZN purposes (given that prime isn’t that much more expensive @ $119/yr but offers a tremendous amount of additional benefits, like Faster Shipping, Often don’t have to meet a minimum spend for free S&H, Prime Video, discounts @ WholePaycheck, etc.)

Prem
Prem

It’s available for current customers of any state and residents of NJ as well.

Andrew
Andrew

this might be interesting with amazon now carrying visa gc

Andrew
Andrew

this could be interesting with amazon carrying visa gc now

cowsareverywhere
cowsareverywhere

Not really, max is $200 and $6.95 fee

Andrew
Andrew

makes it a 1.7% spread assuming no liquidation cost. $200s are annoying but still not bad.

john m
john m

Spend $5000 and get $200? That’s less than 4%. I’ll stay away.

lochquel
lochquel

A bit short-sighted. You’d be getting 5% on any of that spend on AMZ, so instead of 4%, it’d be closer to 9% for first 5k on AMZ.

Something to think about.

LC
LC

its $3k?

Rob
Rob

I don’t see why there’s a $95 fee, this card seems beneficial in as much as any 5% cash back card does…but those have no annual fee.

Ben
Ben

The no-annual-fee cards have limits on spending in the 5% categories.

Jr
Jr

Can anyone please update us with application..if its easy to get approved…how etc

Matt
Matt

I was denied due to Chex, with nothing negative on my Chex report other than inquiries. Worst part is they did a hard pull on Experian for the credit card application before denying my membership due to Chex. So if you’re going to try it, I’d suggest applying for membership before the credit card instead of at the same time

Jr
Jr

Unfortunately i tried before hearing feedback and same thing. Worst is the liars told me was soft pull for checking account. I hate these credit unions. They need to tell you they are inquiry sensitive!!

mishyq
mishyq

what credit bureau did they pull for you?

lochquel
lochquel

Is this card now fee-free? Credit Card lineup states no annual fee now:
https://www.affinityfcu.com/credit-cards/index.aspx

I successfully applied in June and saw the Annual fee of $95 waived first year when applying.

boomX
boomX

Yes, it is free now. I have the Premium rewards Visa. Got an option to switch to the Cash rewards online. Applied for the switch today. Was told no inquiry and was also given the intro spend offer while applying the switch – “Get $200 cash back
Spend $3,000 within the first 90 days and get $200 cash back.” Not sure about this intro offer but works for me to switch as it has no FTF, free cell phone protection. Need to check out once I get the benefits guide.

Trevor
Trevor

$200 bonus is on $3000 spend within 90 days, not $5000 in 60 days anymore.

TJ
TJ

This seems a bit vague to me, does every purchase on Amazon counts or just books?

AL_PF
AL_PF

I’m wondering the same thing. Based on my reading, it appears anything on Amazon counts, but I’d be hesitant to consider this until there’s some kind of confirmation.

lochquel
lochquel

I’ve been using it before and after Prime Day. Physical Items sold/shipped through Amazon count as 5%. Have not tried Kindle purchases,Prime renewal or anything with the Seller Marketplace yet.

klg
klg

Is this a soft pull if you join and become a member first? Or is it always a hard pull?

Pudding
Pudding

Soft pull to open a checking account with them. They are Chex sensitive online but not sensitive in branch

klg
klg

Thank you. Once you have a checking account, is the credit card a soft pull too?

Pudding
Pudding

That I do not know, I only have a checking account with them, and I still have a lot of cc’s to go before it becomes worth to try this one

LC
LC

how hard is it to get approved? Surely someone in the “bottom of the barrel” cards list has tried.

G
G

I’m lol/24 on cc and bank accounts. Will report shortly.

G
G

Approved for checking account, funded 1k with citi double cash and approved for cc. I’m definitely at lol/24.

Mike
Mike

Have you attempted to use card on Amazon purchases yet? If so, does it just give the 5% back on books purchased? Or all purchases?

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