topic Re: Affinity FCU 1st quarter Hi5 bonus cats released in Credit Cards

Affinity FCU 1st quarter Hi5 bonus cats released

Duke_Nukem — Thu, 16 Dec 2021 01:54:37 GMT

AFCU has released their Hi5 categories for the 1st quarter of 2022.

ETA: actual cashback % when using the Cash Rewards card added below.

GAS = 7% (Gas is normally 2%, so Hi5 adds additional 5%)

CELLULAR / WIRELESS

CABLE / SATELLITE

Re: Affinity FCU 1st quarter Hi5 bonus cats released

PullingMeSoftly — Tue, 14 Dec 2021 20:43:21 GMT

When Chase plays copy-cat, Affinity is there to the rescue.

Re: Affinity FCU 1st quarter Hi5 bonus cats released

Duke_Nukem — Tue, 14 Dec 2021 20:59:50 GMT

Updated OP with actual cashback for gas being 7% since the Hi5 is IN ADDITION to the normal 2% cashback of the GAS category.

I think the others would also be 6% total cashback based on the wording in AFCU's notes (see below for current 4th quarter 2021). Not 100% positive about that one though.

Bonus points are earned as follows:

Affinity Cash Rewards Visa Signature: In addition to the standard points, (5% cash back, which is equivalent to 5 points for every $1 spent for all Amazon purchases; 2% cash back, which is equivalent to 2 points for every $1 spent for all supermarket purchases, excluding gift cards, restaurant purchases, and gas station purchases, and for all purchases made on watch, listen and ride services, such as Netflix, Spotify and Uber; and 1% cash back, which is equivalent to 1 point for every $1 spent on everything else) cardholders will earn 5% cash back, which is equivalent to 5 points for every $1 spent on purchases made at Amazon, discount stores and supermarkets on up to $3,500 during the promotional period of October 1, 2021 - December 31, 2021 (excluding gift cards). The cash back is issued in the form of points. These points can be redeemed for cash back deposited to your savings account, checking account, or as principal credit to your credit card account by January 31, 2022 for the prior month's activity. Additional terms, conditions, and restrictions may apply.

Re: Affinity FCU 1st quarter Hi5 bonus cats released

coldfusion — Tue, 14 Dec 2021 21:04:27 GMT

This is good news, I'll still be able to leverage some decent 5% non-Amazon spend against the SUB requirement next quarter.

Re: Affinity FCU 1st quarter Hi5 bonus cats released

xenon3030 — Wed, 15 Dec 2021 04:47:05 GMT

To reduce my carbon footprint, I purchased an EV. Therefore, the gas category would not benefit here. But based on CFF/Discover announcements in Q1, it seems that having the FCU card is highly recommended.

Re: Affinity FCU 1st quarter Hi5 bonus cats released

ptatohed — Mon, 20 Dec 2021 07:31:49 GMT

@Duke_Nukem wrote:
AFCU has released their Hi5 categories for the 1st quarter of 2022.
ETA: actual cashback % when using the Cash Rewards card added below.

GAS = 7% (Gas is normally 2%, so Hi5 adds additional 5%)
CELLULAR / WIRELESS
CABLE / SATELLITE

So what am I missing about this card? I had looked into it (I'm all for 5%, lol) but quickly dismissed it because the website says 5% on Amazon and Bookstores. Boo. Here you are showing that the 5% is for Amazon, Target, Walmart, and Grocery. That's a big difference! I also had no idea the categories rotated as there is zero evidence of that on the website, including the video. Is this the case of poor advertising or are they purposely keeping it a secret?

https://cloud.connect.affinityfcu.com/cashrewards?utm_source=homepage_nav&utm_medium=homepage_nav&utm_campaign=cashrewards

Re: Affinity FCU 1st quarter Hi5 bonus cats released

JNA1 — Mon, 20 Dec 2021 07:32:20 GMT

@ptatohed wrote:
@Duke_Nukem wrote:
AFCU has released their Hi5 categories for the 1st quarter of 2022.
ETA: actual cashback % when using the Cash Rewards card added below.

GAS = 7% (Gas is normally 2%, so Hi5 adds additional 5%)
CELLULAR / WIRELESS
CABLE / SATELLITE

So what am I missing about this card? I had looked into it (I'm all for 5%, lol) but quickly dismissed it because the website says 5% on Amazon and Bookstores. Boo. Here you are showing that the 5% is for Amazon, Target, Walmart, and Grocery. That's a big difference! I also had no idea the categories rotated as there is zero evidence of that on the website, including the video. Is this the case of poor advertising or are they purposely keeping it a secret?

https://cloud.connect.affinityfcu.com/cashrewards?utm_source=homepage_nav&utm_medium=homepage_nav&utm_campaign=cashrewards

I can't speak for why, but they don't broadcast the rotating categories. Right now (Oct - Dec) we are getting 10% at Amazon, 6% Walmart and Target, and Supermarkets. The card also has a $200 SUB. It's best kept secret out there, IMO.

Re: Affinity FCU 1st quarter Hi5 bonus cats released

ptatohed — Mon, 20 Dec 2021 07:32:50 GMT

@JNA1 wrote:
@ptatohed wrote:
@Duke_Nukem wrote:
AFCU has released their Hi5 categories for the 1st quarter of 2022.
ETA: actual cashback % when using the Cash Rewards card added below.

GAS = 7% (Gas is normally 2%, so Hi5 adds additional 5%)
CELLULAR / WIRELESS
CABLE / SATELLITE

So what am I missing about this card? I had looked into it (I'm all for 5%, lol) but quickly dismissed it because the website says 5% on Amazon and Bookstores. Boo. Here you are showing that the 5% is for Amazon, Target, Walmart, and Grocery. That's a big difference! I also had no idea the categories rotated as there is zero evidence of that on the website, including the video. Is this the case of poor advertising or are they purposely keeping it a secret?

https://cloud.connect.affinityfcu.com/cashrewards?utm_source=homepage_nav&utm_medium=homepage_nav&utm_campaign=cashrewards

I can't speak for why, but they don't broadcast the rotating categories. Right now (Oct - Dec) we are getting 10% at Amazon, 6% Walmart and Target, and Supermarkets. The card also has a $200 SUB. It's best kept secret out there, IMO.

I had no idea! Now I am interested! Is CU membership hard to get?

Re: Affinity FCU 1st quarter Hi5 bonus cats released

xenon3030 — Thu, 16 Dec 2021 01:13:57 GMT

If interested, you my open a checking account with SUB and afterward, apply for this card.

Re: Affinity FCU 1st quarter Hi5 bonus cats released

ptatohed — Thu, 16 Dec 2021 01:45:29 GMT

@xenon3030 wrote:
If interested, you my open a checking account with SUB and afterward, apply for this card.

I'm not seeing anything about a SUB for a checking account!

https://www.affinityfcu.com/banking/checking/index.aspx

Re: Affinity FCU 1st quarter Hi5 bonus cats released

Duke_Nukem — Thu, 16 Dec 2021 02:08:31 GMT

@ptatohed wrote:
@xenon3030 wrote:
If interested, you my open a checking account with SUB and afterward, apply for this card.
I'm not seeing anything about a SUB for a checking account!

https://www.affinityfcu.com/banking/checking/index.aspx

Another one of those hidden perks!

Doctor of Credit has info on the $150 SUB for opening a checking account (only for new members).

You can use a rewards credit card to add UP TO $1000.

https://www.doctorofcredit.com/affinity-federal-credit-union-150-checking-bonus/

Direct link to the Affinity Federal $150 SUB for checking below:

https://www.affinityfcu.com/banking/checking/bonus150.aspx

Re: Affinity FCU 1st quarter Hi5 bonus cats released

Anonymous — Thu, 16 Dec 2021 02:08:54 GMT

@ptatohed wrote:
@xenon3030 wrote:
If interested, you my open a checking account with SUB and afterward, apply for this card.
I'm not seeing anything about a SUB for a checking account!

https://www.affinityfcu.com/banking/checking/index.aspx

https://www.affinityfcu.com/banking/checking/bonus150.aspx

Re: Affinity FCU 1st quarter Hi5 bonus cats released

Duke_Nukem — Thu, 16 Dec 2021 02:11:06 GMT

@JNA1 wrote:
I can't speak for why, but they don't broadcast the rotating categories. Right now (Oct - Dec) we are getting 10% at Amazon, 6% Walmart and Target, and Supermarkets. The card also has a $200 SUB. It's best kept secret out there, IMO.

Actually, Supermarkets (and every Walmart I've tried in store because they code as Supermarket for some reason) get 2% on this card. So they are actually getting 7% this quarter!

There is also that addtional $200 SUB after hitting $20,000 spend in the first year. Sadly, I hit that mark too!

Re: Affinity FCU 1st quarter Hi5 bonus cats released

xenon3030 — Thu, 16 Dec 2021 05:36:36 GMT

The card will be one of my primary cards and the SUB looks also good (checking/CC combo~350$). I did lots of shopping at Amazon in this quarter and if I had this card, I could get 10%.

I also found this product recently. I guess, they should hire much better marketing departments to present their products

Re: Affinity FCU 1st quarter Hi5 bonus cats released

arunkumarmm — Thu, 16 Dec 2021 07:13:21 GMT

@xenon3030 wrote:
The card will be one of my primary cards and the SUB looks also good (checking/CC combo~350$). I did lots of shopping at Amazon in this quarter and if I had this card, I could get 10%.

I also found this product recently. I guess, they should hire much better marketing departments to present their products

Debit card is also a 1% cash back on $1000 spend

Re: Affinity FCU 1st quarter Hi5 bonus cats released

Anonymous — Thu, 16 Dec 2021 12:33:54 GMT

What's the minimum redemption amount for the cc?

Re: Affinity FCU 1st quarter Hi5 bonus cats released

Duke_Nukem — Thu, 16 Dec 2021 15:39:52 GMT

@Anonymous wrote:
What's the minimum redemption amount for the cc?

Cash Back redemption starts at 2,500 Points. For example 2,500 Points = $ 25 Cash Back.

Re: Affinity FCU 1st quarter Hi5 bonus cats released

ptatohed — Thu, 16 Dec 2021 16:33:11 GMT

@Duke_Nukem wrote:
@Anonymous wrote:
What's the minimum redemption amount for the cc?
Cash Back redemption starts at 2,500 Points. For example 2,500 Points = $ 25 Cash Back.

Arghh, I hate the word "points".

Minimum redemption amounts are rarely a problem for me - until I am, say, sock drawer'ing a card and moving on to another. For instance, when I got my 3% AOD, I was ready to stop using my 3% AARP (for gas). Luckily I had just over $25 in CB. If I had any amount under $25, I would feel compelled to keep using it until I hit $25.

Re: Affinity FCU 1st quarter Hi5 bonus cats released

Tinkiegrrl — Sat, 18 Dec 2021 00:03:33 GMT

I want this card so bad... I joined the credit union already, and I'm parking some money in the 2% APY savings account, because it's better then my.5% apy account. Still too new to credit to be brave enough to try and apply for the card though. I only have 9 months of credit history. Figure I should wait until i have at least a year.

Re: Affinity FCU 1st quarter Hi5 bonus cats released

xenon3030 — Sat, 18 Dec 2021 19:50:38 GMT

I opened a checking account. Is it sufficient to be able to get Fico score and pre-approved CC offers (right now, it does not show Fico/pre-approved offers, possibly because the account is new)? Or do I need to directly apply for this CC, without pre-approval step?