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.
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.
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
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.
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.
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.
For a limited time only the American Express Blue Cash Everyday Card offers new account holders a generous $200 statement credit after charging $1,000 worth of purchases with the card. This special promotion ends December 10, 2020.
In addition if cardholders decide to carry a balance, they pay no interest for 15 months. However a minimum monthly payment is due each billing cycle.
In addition be rewarded with cash back on purchases and other benefits and features that American Express offers its customers.
3% cash back at U.S. supermarkets ($6,000 maximum per year)
2% cash back at U.S. gas stations on eligible purchases
2% cash back at select U.S. department stores, which includes online purchases
1% cash back on other eligible purchases
Purchases – 0% for 25 days when statement balance is zero
Purchases – 13.99% to 23.99% depending on creditworthiness and prime rate
Cash Advances – 25.24%
Annual Fee: $0.00
Cash advance: 5% ($10 min)
Foreign transaction: 2.7%
Late payments – up to $40
Returned payment – up to $40
Redeem Membership Rewards
Cash back as statement credit ($25 minimum)
Merchandise such as electronics, fashion, home goods
Travel, including airfare, hotels, luggage
Donate to selected charities
Roadside Assistance Hotline
Car rental and damage insurance (excludes liability coverage)
Global Assist Hotline (doesn’t pay for third-party costs)