Credit Cards

Providing coverage when you’re in a pinch or earning rewards for everyday purchases, our Visa® credit cards are a valuable utility player to keep in your wallet. They provide payment when you need it and convenient online account management.

Affinity Plus Visa credit cards include:

  • Fraud protection in EMV chip technology, Visa's Zero Liability program, real-time fraud monitoring
  • Rate watch ensures you automatically get the best rate available as your credit improves
  • Payment Advantage applies your payment to the highest interest rate balances first, meaning you pay less in total finance charges​ 
  • Online account access to conveniently track your spending, make payments, and set up account alerts
  • Rental waiver insurance protects rental vehicles with a collision and loss waiver

 

 

To report your card lost or stolen after hours, contact (800) 449-7728. For after hours service of your card, contact (800) 654-7728.

 

VISA® Premier Classic

Apply Online Calculator

  Visa Premier Classic
Minimum Credit Line $500

Annual Percentage Rate (APR)

Purchases, Balance Transfers,and Cash Advances

10.40 - 18% Variable APR

This APR may change based upon your creditworthiness
Paying Interest Due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases. If your entire balance is paid by the due date each month, we will begin charging interest on cash advances and balance transfers on the truncation date
Minimum Interest Charge None
For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore
Fees  
Annual Fee None 
Balance Transfer Fee None 
Cash Advance Either $2 or 2% of the amount of each transfer, whichever is greater
Foreign Transaction Fee 1% of each transaction in U.S. Dollars
Penalty Fees  
Late Payment $15
Returned Payment $20
Features  
Visa Alerts Yes 
Rental Vehicle Damage Waiver Yes 
Rewards Program No
Signature Rewards No


Credit Card Agreement

Credit Card Disclosures

Visa® Premier Select Rewards

Apply Online Calculator

  Visa Premier Select Rewards
Minimum Credit Line $5,000

Annual Percentage Rate (APR)

Purchases, Balance Transfers,and Cash Advances		 13.40 - 18% Variable APR
This APR may change based upon your creditworthiness
Paying Interest Due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases. If your entire balance is paid by the due date each month, we will begin charging interest on cash advances and balance transfers on the truncation date
Minimum Interest Charge None 
For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore
Fees  
 Annual Fee  None 
 Balance Transfer Fee  None 
 Cash Advance   Either $2 or 2% of the amount of each transfer, whichever is greater
 Foreign Transaction Fee   1% of each transaction in U.S. Dollars
 Penalty Fees  
 Late Payment  $15
 Returned Payment  $20 
 Features  
 Visa Alerts  Yes 
 Rental Vehicle Damage Waiver  Yes 
 Rewards Program Earn 1.25 MyPlus Rewards points for every $1 spent. Points are redeemable for cash back, merchandise, travel and more. And, your points add up faster when you borrow and spend with us too.
 Signature Rewards Yes, receive up to $1 million in travel accident insurance, track warranty information without having to keep receipts, guard merchandise and cell phones against damage and theft, and ensure you get the best price on your purchases with reimbursement options.

 

Credit Card Agreement

Credit Card Disclosures

Copyright 2019
Affinity Plus Federal Credit Union
175 West Lafayette Frontage Road
St. Paul, MN 55107 | (800) 322-7228

Your savings accounts are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.

Affinity Plus is an Affirmative Action/Equal Opportunity Employer (AA/EOE). All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, age, protected veteran status or status as an individual with a disability.

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