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AffinityPlus Credit Union review

Updated September 28, 2026 · DebitCue Editorial Team · Facts checked September 26, 2026

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Our verdict

AffinityPlus Credit Union suits members who want a rewards credit card with $0 annual fee, a US debit card on the same provider, and points paid for everyday spend. It ranks at 1 of 301 brands on annual fee, and borrowing costs an APR of 14.65% to 18%.

Key facts

Best for
A rewards credit card with $0 annual fee, 0% currency conversion fee and a US debit card alongside.
Annual fee
$0 (Source, checked September 26, 2026)
APR
14.65% to 18% (Source, checked September 26, 2026)
Currency conversion fee
0% (Source, checked September 26, 2026)
Rewards type
Points (Source, checked September 26, 2026)
Rewards rate
MyPlus Rewards points (Source, checked September 26, 2026)
Balance transfer fee
0% (Source, checked September 26, 2026)
Perks
Visa Signature benefits (Source, checked September 26, 2026)
Card kind
Credit (Source, checked September 26, 2026)
Legal entity
Affinity Plus Federal Credit Union (Source, checked September 26, 2026)
Headquarters
United States (Source, checked September 26, 2026)
Founded
1930 (Source, checked September 26, 2026)
Support channels
Help-centre (Source, checked September 26, 2026)
Pricing model
No annual fee
Features
Rewards
Official website
affinityplus.org

Debit cards

Monthly fee
$0 (Source, checked September 26, 2026)
Currency conversion fee
0% (Source, checked September 26, 2026)
Card type
Debit (Source, checked September 26, 2026)
Card network
Visa (Source, checked September 26, 2026)
Legal entity
Affinity Plus Federal Credit Union (Source, checked September 26, 2026)
Headquarters
United States (Source, checked September 26, 2026)
Founded
1930 (Source, checked September 26, 2026)
Support channels
Help-centre (Source, checked September 26, 2026)
Features
Rewards

Pros and cons

Pros

  • The annual fee is $0, and the card ranks at 1 of 301 brands on that measure, ahead of Oney Préstamos ES at €10.
  • Spending earns MyPlus Rewards points, and Visa Signature benefits sit on the card on top of the points.
  • The APR of 14.65% to 18% sits under the median of 20.97% across the cards compared here.
  • The debit card runs on the visa network, the network behind 58.6% of the cards here.
  • The institution dates back to 1930, so the card sits with a long-established provider.

Cons

  • Support runs on help centre only, against 67.3% of the cards here that list phone support.
  • Borrowing costs an APR of 14.65% to 18%, above the 8.33% shown for Gulf Bank, so a carried balance costs more here.
  • The reward is points, since the rewards type is points, while 49.5% of the cards here pay cash back instead.
  • The provider is a US credit union in the United States, so membership rules decide who can hold the account and readers shopping outside the US market are out of reach.
AffinityPlus Credit Union

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Scored 9.3 / 10 by DebitCue.

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Who it suits

  • Members of a US credit union who want a rewards card with $0 annual fee and MyPlus Rewards points for everyday spend.
  • People who pay in other currencies, since the currency conversion fee is 0%.
  • Borrowers who clear the balance each month and can live with an APR of 14.65% to 18%.

Who should look elsewhere

  • Anyone who wants a priced card rather than $0: Oney Préstamos ES charges €10 and runs on different terms.
  • Balance carriers who care most about the rate: Gulf Bank shows 8.33%, under the 14.65% to 18% here.

Where it sits among rivals

Cost is the clearest way to separate this card from the ones beside it, and AffinityPlus Credit Union fares well on both fee measures. On annual fee it ranks at 1 of 301 brands, which puts it at the head of a table where plenty of rivals ask for payment every year just to keep an account open. On currency conversion fee it ranks at 1 of 181 brands, and that result matters most if you spend abroad or pay in another currency online. Both results come from the same card, so the everyday running cost of holding it is as low as this comparison gets. The ranking speaks to fees only, though. What you pay to borrow, how you are supported and what you collect in rewards are separate questions, and any one of them can still decide which card suits you.

Rewards and perks

This card pays in points rather than cash, and knowing that shapes how you read the rest of the offer. The rewards type is points, and what you collect is MyPlus Rewards points, so spending does not come back as a discount on a statement. Value therefore depends on what you do with the points once they land, and on the offers open at the moment you redeem. Alongside the points there are Visa Signature benefits on the card itself, which add extras that are not tied to the points balance at all. Together, the rewards and the fee position make this a card for people who spend steadily and want something back for it, rather than for someone chasing a headline rate. Because the reward is points, ordinary spending still builds a balance.

Who runs it

The provider is Affinity Plus Federal Credit Union, a member-owned credit union rather than a bank, and it is headquartered in the United States. The institution has been running since 1930, which is worth separating from the card offer itself, since the account is backed by an organisation with a long track record. Membership is the practical point: a credit union serves its members, so who can open the account and what it takes to join matter as much as the fees. Support is the other detail to read before applying, because help runs through help centre. Questions get answered in your own time rather than in a live conversation, which suits anyone comfortable reading documentation and suits nobody who wants to pick up the phone. Account, card and support all sit with the same provider, so there is one place to deal with if something goes wrong.

How AffinityPlus Credit Union compares

Frequently asked questions

Does this credit card charge an annual fee?+

The annual fee is $0, and the card ranks at 1 of 301 brands on that measure. In practice you can keep the account open for a full year without paying to hold it, which suits anyone who keeps a card open and uses it lightly. Points and the card perks still apply while it stays open.

What interest would I pay if I carried a balance?+

The APR is 14.65% to 18%, and that rate applies whenever you borrow rather than pay the statement in full. It sits above the 8.33% shown for Gulf Bank, so anyone carrying a balance month to month should weigh the rate before applying. Clearing the statement each month keeps interest out of it.

How do the rewards work?+

Spending earns MyPlus Rewards points, and the rewards type is points. Points sit in a balance rather than returning as cash, so what they are worth depends on how and when you redeem. Visa Signature benefits add extras on the card itself that do not depend on the points balance.

What does it cost to spend in another currency?+

The currency conversion fee is 0%, and the card ranks at 1 of 181 brands on that measure. Card payments abroad therefore carry no extra conversion charge, which suits readers who travel or buy from overseas sellers often. It is the fee measure that matters most if that is your pattern.

Is there a debit card and current account alongside?+

There is. The spending card type is debit, it runs on the visa network, and the current account it sits with has a monthly fee of $0. So the everyday side costs nothing to hold either, which makes the credit offer easier to weigh if you already bank with the credit union.

Who can open the account?+

The provider is Affinity Plus Federal Credit Union, a credit union based in the United States, so membership is the route in rather than a standard bank application. The institution has been running since 1930, but the account is only for members who meet its eligibility rules, and the offer is aimed at US members rather than readers shopping in the UK or Europe.

How do I get help if something goes wrong?+

Support runs through help centre, so most questions are answered from written material in your own time. If you would rather talk to someone, that is not the channel this card is built around, and it is worth knowing before you apply. The provider is Affinity Plus Federal Credit Union, the same body that issues the card and holds the account.

Is there a fee for transferring an existing balance?+

The balance transfer fee is 0%, so moving an existing balance across does not add a charge of its own. Interest on whatever you transfer still applies at 14.65% to 18%, and that is the part to budget for. With nothing added on top of the transfer itself, the rate does all of the work in the cost.

Sources

Compiled from 8 source pages, checked September 26, 2026. We did not open an account.

AffinityPlus Credit Union

AffinityPlus Credit Union

A rewards credit card with $0 annual fee, 0% currency conversion fee and a US debit card alongside.

9.3/10See alternatives