And so comes another NERF for Affinity. This was up on my credit card rewards page. I was aware new customers had the lower limit, but I was hoping we'd be grandfathered in. It doen't change anything too substantially for us, but it's one more thing to keep in the back of my mind, in particular if any big purchases are made. Discover 5% Amazon could help this year for Christmas spend. And after all, this is still double the CCC/Discover/CFF limits.
Overall, I'm still very happy with this card. The previous level of rewards was unsustainable. We use it most every week for Amazon and it's there for other bookstore purchases too. And I'm not married to my Prime membership, ya gotta love that freedom.
One thing I've learned dealing with credit cards, if it seems too good to be true, it still might be true, but it won't last forever. That doesn't mean you can't ride the wave as long as possible, and the best case scenario is to wind up with a useful card after the inevitable nerf(s). I also think the Redstone card is also unsustainable. That's why it's not the first card I'll get out of the garden. I'm worried they'll nerf those 5% categories and leave the base. Don't get me wrong, it has a great SUB, more power to anyone who has it. But since I'm still collecting 5% cards to round out as much of my spend as possible it doesn't have enough draw considering it might only be useful for couple months or a year.
@GatorCowboyLion wrote:
That's strangely worded! From your comparison with Discover, I assume this means that you will earn 5% only on the first $1000 a month bookstore spend? To me, the wording seems to mean that you are limited to $1000 cashback a month, ie 5% on the first $20K a month, which wouldn't be an issue for most!
@longtimelurker wrote:
@GatorCowboyLion wrote:
That's strangely worded! From your comparison with Discover, I assume this means that you will earn 5% only on the first $1000 a month bookstore spend? To me, the wording seems to mean that you are limited to $1000 cashback a month, ie 5% on the first $20K a month, which wouldn't be an issue for most!
Nah the 5% is capped at 1,000 a month is pretty clearly 1,000 spend. This is what happens when MSers cycle gift cards endlessly.
I am like CM I have been letting this card collect dust since they got rid of hi5.
Does anyone know how to close an afcu credit card? Do I have to call in and request account closure?
Did some search through the website and app, and cannot find anything about it.
Time to remove from my sig wish list? 
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@AndySoCal wrote:@GatorCowboyLion The card gives you 5% cash back at Amazon and bookstore spending. From the way the message is worded the nerf is on the bookstore spend not on Amazon spend. I could be wrong.
You do know that the Amazon website transaction swipe is coded as a bookstore, right?
