All posts by Leonard Kreicas

Affinity CU Cash Rewards Credit Card

Affinity FCU Cash Rewards Credit Card

Get 5% cash back on Amazon and other bookstores with the Affinity FCU Cash Rewards Visa Signature credit card.

The bonus rewards are good up to $3,500 in purchases per month. After that card holders still get rewarded, but at the standard 1% rate. The 5% rewards still give shoppers up to $175 cash back per month while shopping on Amazon. That’s a generous $2,100 savings per year.

INTRODUCTORY BONUS

Get $200 cash back after charging $3,000 on your new card within the first 90 days of account opening. The bonus is in addition to the rewards you receive with the purchases. There may be a delay of up to sixty days before the bonus is posted to your account.

MORE REWARDS

In addition to the savings on Amazon, Affinity FCU Cash Rewards Visa Signature card holders get 2% cash rewards when they use the card at

  • Restaurants, which includes fast food and takeout items
  • Gas stations
  • Supermarkets (grocery stores) for most items except gift cards
  • Popular streaming services such Netflix and Spotify
  • Ride sharing services like Uber or Lyft

For all other credit card purchases cardholders are still entitled to receive 1% cash back rewards.

BENEFITS AND FEATURES

  • No annual fee
  • No foreign transaction fee
  • Complimentary annual account summary
  • Automatic bill bay
  • Zero fraud liability
  • Free online banking

Fees and rates are available as a disclosures pdf file.

VISA SIGNATURE BENEFITS

  • Free cell phone protection
  • Warranty Manager Service
  • Emergency Cash and Card Replacement
  • Auto Rental Collision Damage Waiver
  • Travel and Emergency Assistance Services
  • Travel Accident Insurance
  • Lost Luggage Reimbursement
  • Hotel & Motel Burglary Reimbursement
  • Lost/Stolen Card Reporting
  • Cardholder Inquiry Service

Visa provides a more detailed explanation in Your Guide To Card Benefits.

MEMBERSHIP

Only members of the Affinity Federal Credit Union can apply for an Affinity FCU Cash Rewards Visa Signature Card. Just fulfilling ONE of the following criteria allows you to join:

  1. You live, work, worship or go to school in select New Jersey or Connecticut communities
  2. New Jersey – parts of Edison, Franklin Township (Somerset County), New Brunswick, North Brunswick, Piscataway
  3. Connecticut – all of Norwalk, Darien, New Canaan, Weston, Westport, Wilton
  4. You’re employed by (or affiliated with) one of our partner organizations.
  5. Another member of your family or household is an existing Affinity member.
  6. You make a $5 donation to support financial literacy and become a member of the New Jersey Coalition for Financial Education (NJCFE) or Connecticut Jump$tart.

Comerica Visa Cards

Comerica Offers 6 Types of Credit Cards

Get Started Now
Comerica Wants You

Whether you desire rewards, interest-free introductory offers, low APR rates, or building up a credit history Comerica has a credit card for you.

With the holiday season in full swing, shoppers can spread their payments into 2022 with no interest charges when signing up for a new Comerica Visa Platinum Card.

Or if you prefer to pay the card within 6 months at zero interest, the Comerica Visa Signature Card will return 1.5% of the purchase price as statement credit.

For the college students and those seeking to repair their credit, Comerica offers a Visa College Real Rewards Card and Visa Secured Credit Card.

Comerica Visa Platinum Card

  • 0.00% APR for the first 20 billing cycles on purchases
  • 0.00% APR for the first 20 billing cycles on balance transfers (fees apply)
  • 13.49% to 22.49% APR
  • No annual fee
  • Skip the rewards and save on interest if carrying a balance

Comerica Visa Signature Real Rewards Card

Enjoy competitive rates, expanded purchasing power, the best rewards, exclusive Visa Signature privileges and elite card member services.

The Visa Signature card features unlimited 1.5% cash back on all net purchases, round-trip airfare beginning at 25,000 points, or brand-name merchandise and gift cards at the same industry-leading rebate value as cash rewards.

  • A premier rewards card with no annual fee
  • Unlimited 1% cash back
  • 0.00% APR for the first 6 billing cycles on purchases.
  • 0.00% APR for the first 6 billing cycles on balance transfers (fees apply)
  • Earn 2,500 first-use bonus points, which you can redeem for a $25 statement credit.
  • Redeem for travel on any airline without frequent flyer program restrictions
  • Exclusive Signature privileges
  • Purchase APR varies from 14.49% to 23.49%

Comerica Cash Rewards American Express Card

Renown American Express service and perks with generous rewards and no annual fee.

  • A rewards card with no annual fee
  • 3% cash back (up $6,000 annually and 1% after that)
  • 2% cash back on eligible supermarket purchases.
  • 1% cash back on all other eligible items
  • Earn 2,500 first-use bonus points, which you can redeem for a $25 statement credit.
  • Purchase APR varies from 13.39% to 22.99%
  • Purchase tickets for popular events before general public
  • Zero fraud liability

Comerica Premier Rewards American Express Card

Enhanced American Express card with features and perks for the deserving customer.

  • 4X points on restaurant purchases
  • 3X points on airline purchases
  • 2X points on gas station purchases
  • 1X points on all other eligible items
  • Earn $100 value after a modest $1,000 spend within 3 months of opening account
  • Purchase APR varies from 14.49% to 22.99%
  • No foreign transaction fee
  • Global entry or TSA pre-Statement credit
  • Zero fraud liability
  • no annual fee in first year, $99 thereafter

Comerica College Rewards Visa Card

If you’re a college student with limited credit history, here’s a card that will help you take a giant step into responsible credit use.

The College Rewards Visa Card allows you to establish a solid credit history while earning valuable rewards.

  • No annual fee
  • Earn $25 bonus upon first use of the card
  • Credit card convenience
  • Attractive rates
  • Earn 1.5 points for every net purchase dollar
  • Select from a wide variety of reward options on travel, cash, gift certificates, merchandise or through our exclusive Choose Your Own Rewards program, you can redeem points for any card purchase
  • Purchase APR 14.49% to 23.49%
  • Applicant must be 18 years of age, have a U.S. address and Social Security number

Union Bank Platinum Visa Credit Card

Union Bank Platinum Vis Card

Pay no balance transfer fees for 60 days when opening a Union Bank Platinum Visa credit card. Plus pay no interest for 15 months on the amount transferred.

After the promotional period ends, if cardholders haven’t paid off the balance in full, they will be billed interest on remaining amounts at APRs anywhere from 8.49% to 19.99% depending on creditworthiness.

Generally carrying a credit card balance is a terrible long-term practice. However under some circumstances it makes sense, such snaring a great deal at half-price (50% off) and paying the purchase off over time. 50% – 8.49% saves the buyer 31.51% when spread over a year. Just be sure to pay off any balances as soon as possible.

BENEFITS AND FEATURES

Union Bank credit cards have a generous slate of features and benefits to make shopping easy and safe. One of them minimizes “buyer’s remorse.” Credit cards have a try before you buy feature built into the system. Other perks include:

  • Secure mobile access to account
  • Swipe smart for enhanced security
  • Custom account alerts for real-time monitoring
  • Zero fraud liability for unauthorized charges
  • Go green digital services so you never lose a bill or important documents
  • Monthly statements to keep track of expenses
  • Visa Concierge services such as dining reservations, gift arrangements, etc., although some fees may apply
  • Emergency card replacement available 24/7/365
  • Purchase security up to $500 for stolen or damaged items

UNION BANK CARDS WITH REWARDS

For those who expect credit cards to come with rewards, Union Bank has three varieties to suit your needs. The Bank Freely Rewards credit card works best with a flat rate for everyday bills such as utilities, clothes, food, entertainment. The Preferred Rewards credit card has bonus categories for dining, gas, and groceries. The Travel Rewards credit card program favors frequent travelers and people on the move.

UNION BANK BANK FREELY REWARDS

Union Bank Freely Rewards Visa creidt card

  • 1.5% unlimited cash back rewards
  • $100 introductory rewards bonus after $1,000 in purchases within 3 months of opening
  • Introductory 0% APR financing on purchases and balance transfers for first 12 months
  • Regular APR of 13.99% to 23.99% once promotional period ends
  • 3% Balance transfer fee

UNION BANK PREFERRED REWARDS VISA CREDIT CARD

  • 10,000 introductory rewards bonus after $1,000 in purchases within 3 months of opening
  • 5% Rewards on digital wallet purchases ($6,000 max) good for first year only
  • 3% Rewards at restaurants ($6,000 max/year and 1% thereafter)
  • 2% Rewards on gas and grocery ($6,000 max/year and 1% thereafter)
  • 1% Rewards on all other eligible purchases
  • Introductory 0% APR financing on purchases and balance transfers for first 12 months
  • Regular APR of 13.99% to 23.99% once promotional period ends
  • 3% Balance transfer fee

UNION BANK TRAVEL REWARDS VISA CREDIT CARD

  • 20,000 Introductory rewards bonus after $1,500 in purchases within 3 months of opening
  • 3% Rewards on travel ($6,000 max/year and 1% thereafter)
  • 2% Rewards on restaurants ($6,000 max/year and 1% thereafter)
  • 1% Rewards on all other eligible purchases
  • Introductory 0% APR financing on purchases and balance transfers for first 12 months
  • Regular APR of 13.99% to 23.99% once promotional period ends
  • 3% Balance transfer fee
  • $0 Annual fee for first and $49/year after

ABOUT UNION BANK

While little known in the United States, Union Bank is the brand name for MUFG Bank which is the 5th largest bank by assets in the world by one account. As of 12/31/2019 Union Bank handles more financial assets than JP Morgan Chase, Citibank or Bank of America on a global level.

 

Best Balance Transfer Offers

balance transfer credit cardsTired of paying interest on your credit card purchases?

When you transfer your high-interest balance to a credit card offering an introductory 0% APR (Annual Percentage Rate) you may be able to pay off the balance much faster.

A fixed interest rate of zero financing for a year or more allows you to make affordable payment on only the balance you owe. Note that minimum monthly payments are still due until the intro period ends. Once the special 0% rate expires regular rates will apply to the remaining balances.

CHECKLIST

Most major banks charge upfront balance transfer fees that are added to the balance. Usually the fees are less than interest you’re currently paying, but check with a professional financial advisor before proceeding with a balance transfer. Fees such as balance transfer, annual, late payment, etc. could swallow up any savings on interest.

See if credit line with the new card covers the amounts you want to transfer. For instance if you have a $10,000 balance to transfer and only get a $2,500 credit line with the new card, that may not be enough to save a meaningful amount. You’ll also be complicating life by having more credit card payments to keep track of.

Never charge anything on the card since purchases often are mixed in with transfers. When that happens the entire balance may be due way before the expiration of the introductory period. If not paid in full you might even pay regular interest rates on the amounts transferred.

Normally you cannot transfer balances between cards from the same bank or issuer. Inquire whether funds from the new card can be sent to the original card. Otherwise an excess of “hard” inquiries could damage your credit score.

Allow a lag time between transfer request and its posting to the old card. A month might pass before balance is erased from the high-interest account. That delay might result in an unexpectedly large amount due for the first card.

THE CARDS

The credit cards below feature longer 0% APR periods so you can pay bills in a planned manner under the guidance of trusted financial mentor.


20 MONTH INTRO 0% APR

US Bank Visa Platinum Card

  • 20 month 0% intro APR
  • Balance transfer fee: 3%
  • No annual fee
  • Regular APR is 13.99% to 23.99% once intro period expires

Elan Financial Services issues numerous 20-month 0% APR credit cards on behalf of several firms. Its cards usually have the following terms:

  • 0% APR financing for first 20 months after opening account
  • Balance transfer fee: 3%
  • No annual fee
  • Regular APR of 13.49% to 23.49% once intro period expires

A small sampling of places offering 20-month 0% APR cards, issued by Elan Financial, are:

BOK Financial Visa Platinum Card
Chesapeake Bank of Maryland Platinum Visa Card
Community Banks of Colorado Platinum Visa Card
Exchange Bank Platinum Visa Card
Fulton Bank Visa Platinum Card
People’s United Bank Mastercard Platinum Card
Suncrest Bank Platinum Visa Card
The Bank of Missouri Platinum Visa Card

18 MONTH INTRO 0% APR

Citi Double Cash Mastercard

  • 18 month zero-interest intro APR
  • Balance transfer fee: 3%
  • No annual fee
  • Regular APR is 13.99% to 23.99% after intro period expires

Citi Diamond Preferred Mastercard

  • 18 month zero-interest intro APR
  • Balance transfer fee: 3%
  • No annual fee
  • Regular APR is 14.74% to 24.74% once intro period expires

Citi Simplicity

  • No interest intro APR for 18 first months
  • Balance transfer fee: 3%
  • No annual fee
  • Regular APR is 14.74% to 24.74% once intro period expires

Wells Fargo Platinum Visa

  • 0% APR for 18 months on transfers within 120 days of opening account
  • Balance transfer fee: 3%
  • No annual fee
  • Regular APR is 16.49% to 24.49% once intro period expires

HSBC Gold Mastercard

  • 0% APR for 18 months on transfers within 60 days of opening account
  • Balance transfer fee: 4%
  • No annual fee
  • Regular APR is 13.99% to 23.99% after intro offer expires

Clear Value Mastercard

  • No interest APR for first 18 months on balance transfers
  • Balance transfer fee: 3%
  • No annual fee
  • Regular APR is 13.99% to 21.99% after intro offer expires

15 MONTH INTRO 0% APR

Citi Rewards+ Mastercard

  • 15 month introductory 0% APR for transfers within 4 months opening
  • Balance transfer fee: 3%
  • No annual fee
  • Regular APR is 13.49% to 23.49% after intro offer expires

Wells Fargo Cash Wise Visa®

  • 15 month introductory 0% APR on transfers within 120 days of account opening
  • Balance transfer fee: 3%
  • No annual fee
  • Regular APR is 14.49% to 24.99% after intro offer expires

SunTrust Cash Rewards World Mastercard

  • 15 month introductory no interest APR
  • Balance transfer fee: 3%
  • No annual fee
  • Regular APR is 11.24% to 21.24% after intro offer expires

Key Bank Latitude Credit Card

  • 15 month introductory no interest APR
  • Balance transfer fee: 3%
  • No annual fee
  • Regular APR is 9.99% to 19.99% after intro offer expires

PNC Core Visa

  • 15 month introductory no interest APR
  • Balance transfer fee: 3%
  • No annual fee
  • Regular APR is 9.99% to 19.99% after intro offer expires

Fifth Third Bank Truly Simple Mastercard

  • 15 month introductory no interest APR
  • Balance transfer fee: 4%
  • No annual fee
  • Regular APR is 11.99% to 22.99% after intro offer expires

TD Cash Visa Card

  • 15 month introductory no interest APR
  • Balance transfer fee: 3%
  • No annual fee
  • Regular APR is 12.99% to 22.99% after intro offer expires

 

NO BALANCE TRANSFER FEE & INTRO 0% APR

Union Bank Platinum Visa Credit Card

  • 15 month introductory no interest APR
  • Balance transfer fee: $0 for transfers made within 60 days; 3% after that (terms)
  • No annual fee
  • Regular APR is 8.49% to 19.99% after intro offer expires

Navy Federal Credit Union®Credit Card (members only)

  • 12 month introductory 0% APR
  • Balance transfer fee: 0%
  • No annual fee
  • Regular APR is 5.99% to 18.00% after intro offer expires

Purdue Federal Visa Signature (members only)

  • 12 month introductory 0% APR
  • Balance transfer fee: 0%
  • No annual fee
  • Regular APR is 11.50% to 17.50% after intro offer expires
  • General membership via one-time $50 fee to join Purdue University Alumni Association as a Friend of the University

La Capitol FCU Prime Plus or Rewards Visa Card

  • 12 month introductory 0% APR on transfers within 90 days of account opening
  • Balance transfer fee: 0%
  • No annual fee
  • General membership via one-time $20 fee to join the Louisian Association for Personal Financial Achievement

First Tech FCU Platinum Mastercard (members only)

  • 12 month introductory 0% APR
  • Balance transfer fee: 0%
  • No annual fee
  • Regular APR is 6.99% to 18.00% after intro offer expires
  • General membership via one-time fee to join Computer History Museum or the Financial Fitness Association