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FREQUENTLY ASKED CREDIT CARD QUESTIONS
How do you earn cash back on a credit card?
Depending on the type of rewards card, you’ll earn a certain number of points for qualifying purchases. Points never expire. You can redeem those points for cash back and other kinds of rewards. If you want 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.
Are there restrictions on travel rewards with Affinity?
No. You can redeem your points for airline tickets, hotel stays, cruises, or other vacation getaways. There are no blackout dates, no advance notice requirements, no Saturday night stay limitations, and no round-trip requirements. You also have the option to redeem your points toward all or part of your ticket.
Can I use my Affinity Credit Card for mobile payments?
Yes. You can put your card in your mobile wallet and use it with Google Pay™, Apple Pay™, and Samsung Pay™.
Do Affinity Credit Cards have an annual fee?
No. All our credit cards have $0 annual fees.
Can credit unions give credit cards?
Yes. Credit unions can offer credit cards along with most or all of the services people typically associate with banks, such as checking accounts, loans, investment services, and business checking.
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.
Is a credit union card a credit card?
A credit card from a credit union works the same way as a credit card from a bank or financial institution. However, because credit unions are member-owned, they may charge lower rates and offer better rewards to satisfy member needs.
Do credit unions charge balance transfer fees?
Yes. There is typically a balance transfer fee when a sum is transferred to a card.