General questions about cash back credit cards
What are cash rewards on a credit card?

Many credit cards award points for different types of purchases. Some cards only let you redeem those points for certain types of rewards, like airline tickets. Others let you redeem points for other things, including cash.

Is a cash rewards card worth it?

If you have the right card, yes. The Affinity Cash Rewards Visa® Signature Card lets you earn up to 5% cash back on purchases at Amazon and bookstores, 2% for most food, gas, and streaming and ride services, and 1% on all other purchases. Since there are no annual fees, it’s like earning a discount of 1% to 5% on everything you buy.

Can you use cash rewards to pay your credit card bill?

Yes. You can choose to have your cash back credited back to your credit card account – or you can redeem cash rewards for any other purpose.

What is a $200 online Cash Rewards bonus offer?

Some cards only give an initial $200 cash back bonus to people who apply for their card online. The Affinity cash rewards credit card lets you earn a $200 cash back bonus if you spend $3,000 in the first 90 days – and it doesn’t matter how you apply.

How do cash rewards credit cards work?

Depending on the type of rewards card, you earn a certain number of points for qualifying purchases at grocery stores, gas stations and other businesses. You can redeem those points for cash back and other kinds of rewards. With the Affinity Cash Rewards Visa® Signature Card, credit card rewards points never expire; and if you choose to get cash back, you can receive it in the form of a cashier's check, Affinity Visa gift card, credit to your credit card, savings account deposit, or checking account deposit.

Is it hard to get a credit card from a credit union?

If you belong to a credit union, the staff will typically try to work with you to help you get access to the financial services you need as a member. So, for example, if there's a problem with credit scores, it may be easier to get the credit card you want from a credit union, compared to getting a comparable card from a bank or other financial institution.

What credit score is needed for a credit union credit card?

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