La Secured Visa® te ayuda a construir crédito sin pagar tasas altas ni tarifas exorbitantes.
Aplica Ahora¿Por qué la tarjeta de crédito Secured Visa®?
Nuestra tarjeta de crédito Secured Visa es una opción inteligente para construir o reconstruir crédito. Funciona igual que una tarjeta de crédito tradicional—puedes hacer compras, pagar facturas y comprar en línea. ¿La diferencia? No se requiere verificación de crédito. Simplemente proporcionas un depósito de seguridad reembolsable, el cual establece tu límite de crédito1.
El APR que deseas sin las tarifas
Con la tarjeta de crédito Affinity Secured Visa®, obtén acceso a un APR variable bajo de 14.85%1; todo sin tener que pagar tarifas anuales ni ocultas.
Sin Aumentos de Tasa por Penalización1
Affinity no aplica aumentos de tasa por pagos perdidos
Visa® Cero Responsabilidad2
Estás protegido si tu tarjeta de crédito se pierde, es robada o utilizada fraudulentamente
Aumento de Límite Flexible
Aumenta en cualquier momento, agregando más fondos y solicitando un aumento3
Pagar Sin Plástico, de Forma Segura
Toca para pagar® o coloca tu tarjeta en tu billetera digital para usarla con Apple Pay™, Google Pay™ o Samsung Pay™.
VER OTRAS TARJETAS DE CRÉDITO DISPONIBLES DE AFFINITY
Los miembros de Affinity obtienen más que solo excelentes tasas.
Affinity es una cooperativa financiera sin fines de lucro que existe para servir a los miembros. De hecho, somos propiedad de nuestros miembros, y con nuestra tarjeta Secured Visa® obtienes todo tipo de beneficios: bajo 14.85% APR variable, acceso a la cobertura de Visa® Zero Liability, Tap to Pay® para pagos sin contacto, y mucho más. Todo sin cuotas anuales ni tasas de penalización por pagos perdidos.
APLICA AHORACÓMO OBTENER UNA TARJETA DE CRÉDITO SECURED VISA®
ARTÍCULOS RELACIONADOS CON TARJETAS DE CRÉDITO
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PREGUNTAS FRECUENTES
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.
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.