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Affinity Credit Cards

Whether you're looking for traditional benefits or premium rewards, we have a card for you.


Visa Signature Credit Card Icon

Cash Rewards Visa®

Earn up to 5% cash back on everyday purchases

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Pure Rewards Visa Credit Card Icon

Pure Rewards Visa®

Earn points for every dollar you spend, every day

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Premium Visa Credit Card Icon

Premium Visa®

Enjoy the same low APR on balance transfers and purchases

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Secured Visa Credit Card Icon

Secured Visa®

Build your credit without paying high rates or fees

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Key features included with all our credit cards

With an Affinity Federal Credit Union credit card, conveniently and safely pay in store, over the phone, or online. Plus, never pay an annual fee.


$0 Annual Fee1

None of our credit cards charge an annual fee, ever

tap to pay

Tap to Pay

Pay with a single tap, using your card or mobile device

zero liability

Visa® Zero Liability2

Visa helps protect from fraud, so you can pay with confidence

Credit Card Mobile App Image

Download the Affinity Credit Card Mobile App

Protect your card with transaction alerts, card controls, geolocation, and Visa® Secure.


Business Credit Cards

The Affinity Business FirstSM Visa® credit card offers a low variable rate, has no annual or hidden fees, and has a rewards program that lets you earn points for every purchase made. Plus you'll enjoy security, savings, and additional benefits that come with all Affinity credit cards.

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Join Affinity!
Our credit cards, checking accounts, and other services are for members only. Joining is easy: Join online or call us at 800.325.0808.
Choose the card that best fits your needs
Do you want more cash back? More points flexibility? A lower APR? You can’t really go wrong any way you choose.
Choose the most convenient way to apply
Start your application online, at your nearest branch, or by calling us at 800.325.0808.


General questions
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.

Affinity credit card account 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.

Join Affinity Federal Credit Union
How do I join Affinity?

Almost anyone can be eligible for membership! We have relationships with over 2,000 businesses, associations and clubs, and you can join Affinity through your association with one of them.

If you are not eligible through one of these paths, you have the option to join by making a one-time $5 donation to the Affinity Foundation whose vision is to end the cycle of poverty for those we serve.

What is the fee to join?

With Affinity you are more than a member, you are part owner. Affinity is owned and controlled by members who use its services.

This ownership happens when you establish your $5 membership account, which gives you one par value share in Affinity. This is not a transactional account, and these funds will not earn dividends. The account must remain open and funded with the $5 during your membership with Affinity.

Where is the closest branch location?

Our digital tools, such as the Affinity Mobile Banking App and Online Banking, make it easy to manage your account and deposit checks right from your phone. You can also view our branches, shared branching locations and ATMs by visiting Affinity locations.

What is the difference between a credit union and a bank?

Credit unions, unlike banks, are based on a cooperative or "co-op" model in which the members are also the owners. This is the biggest difference between credit unions and banks. While a bank is a for-profit company that distributes profits among shareholders or individual owners, a credit union is a not-for-profit institution "owned" by its members. Therefore, you can think of credit union membership as buying a stake in an organization rather than paying somebody else in exchange for services. Learn more.