Where It Wins, Where It Doesn't
Generated from the card's data against our full catalog, not editorial opinion.
- 3x on dining (catalog median is 2x)
- 3x on fast food (catalog median is 2x)
- 3x on gas (catalog median is 2x)
- No annual fee
- Non-bonus spending earns only 1x
What It Earns
Net annual value (rewards + credits at typical usage, minus the fee) at three reference spending profiles. Signup bonuses excluded.
Everyday
Groceries, gas, and dining out a few times a month ($24,000/yr)
+$432/yr
$432 rewards
Foodie
Heavy dining and delivery, lighter on travel ($26,000/yr)
+$500/yr
$500 rewards
Traveler
Several trips a year with flights and hotels ($28,000/yr)
+$412/yr
$412 rewards
Rewards by Category
Dining
3x
Grocery
2x
Gas
3x
Flights
1x
Hotels
1x
Other Travel
1x
Online Shopping
1x
Rideshare
1x
Streaming
1x
Amazon
1x
Costco
2x
Other
1x
Apple
1x
Cell Phone
1x
Fast Food
3x
Home Utilities
1x
Internet
1x
Walmart
1x
Point value: 1.0 cents per point
The Fine Print That Changes the Math
3% on gas and restaurants, 2% on groceries, 1% everywhere else. No annual fee. Credit union membership required.
Affinity Federal Credit Union Cash Rewards Visa FAQ
What is the Affinity Federal Credit Union Cash Rewards Visa annual fee?
The Affinity Federal Credit Union Cash Rewards Visa has no annual fee.
What are the best spending categories for the Affinity Federal Credit Union Cash Rewards Visa?
3x on dining, 3x on fast food, 3x on gas. Everything else earns 1x.
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