Affinity Federal Credit Union Credit Card – $200 Bonus & 5% On Bookstores (Including Amazon), 5% On Restaurants For March
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
- Annual fee of $95 waived first year. If you spend $25,000 or more in a calendar year it’s also waived year two onwards
- $200 cash back after $5,000 in spend within the first 60 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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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.”
I have family in NJ that are members, shouldn’t be IA only.
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
My bad, fixing this.
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.
+1
Don’t need loans to do GoC. Just run it through a 529 plan
you can do GOC to 529 as well.
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.
I haven’t been able to find a $500 version from B&N. Any secret? I can use GOC to load my ABLE account
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
>> 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.)
It’s available for current customers of any state and residents of NJ as well.
this might be interesting with amazon now carrying visa gc
this could be interesting with amazon carrying visa gc now
Not really, max is $200 and $6.95 fee
makes it a 1.7% spread assuming no liquidation cost. $200s are annoying but still not bad.
Spend $5000 and get $200? That’s less than 4%. I’ll stay away.
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.
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.
Can anyone please update us with application..if its easy to get approved…how etc
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
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!!
what credit bureau did they pull for you?
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.
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.