Skip to main content
family sitting at the kitchen table eating a meal family sitting at the kitchen table eating a meal
Our lowest rate card!
Enjoy the same low APR on balance transfers and purchases.
Apply Now

The low APR1 you want without restrictions

With the Affinity Premium Visa credit card--whether you're making a big purchase or transferring an existing balance--you get the same low APR. Plus enjoy these added benefits.

no penalty apr icon

No Penalty for Missed Payments1

Affinity does not apply increases for missed payments

No Annual Fee

No Annual Fee2

No Annual Fee for the Affinity Premium Visa® credit card, ever


Visa® Zero Liability3

You're protected if your credit card is lost, stolen or fraudulently used

cash back bonus icon

Visa® Concierge4

Free benefit for travel and restaurant reservations, gifts, and more

Premium Visa Digital Wallet Image

Paying Without Plastic, Securely

Tap to Pay® or put your card in your digital wallet to use with Apple Pay™, Google Pay™ or Samsung Pay™.

mobile pay payment icons


Cash Rewards Visa Credit Card Icon

Cash Rewards Visa®

Earn up to 5% cash back on everyday purchases

Learn more

Pure Rewards Visa Credit Card Icon

Pure Rewards Visa®

Earn points for every dollar you spend, every day

Learn more

Secured Visa Credit Card Icon

Secured Visa®

Build your credit without paying high rates or fees

Learn more

Choose Affinity for your credit card needs.

We are a not-for-profit organization that exists to serve our members. We are owned by our members and operate to promote their wellbeing by returning profits back to them in the form of reduced fees, higher savings rates, and lower loan rates. Additionally, as a financial cooperative, our members are also part owners, and each of them have a vote in the management of the credit union. We provide a safe place to save and borrow at reasonable rates, offer ongoing financial education to our members, and volunteer our time and resources to give back to our local communities.



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 most convenient way to apply
Start your application online, at your nearest branch, or by calling us at 800.325.0808.
Sign your card and start taking advantage of the low APR
Enjoy a low APR on both purchases and balance transfers.


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.