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Review: Affinity Federal Credit Union Cash Rewards

The Affinity Federal Credit Union Cash Rewards is a high-earning Visa Signature credit card. It gets 5% cash back at bookstores, and on non-digital Amazon purchases. The card also has rotating categories where you can earn up to 7% cash back for 3 months at a time. If you’re considering something like the Barnes & Noble credit card, or an Amazon-specific card, Affinity FCU could be the superior choice.

FEATURES AT A GLANCE

  • No annual fee
  • No foreign transaction fee
  • 5% cash back on rotating categories
  • 5% cash back with Amazon and bookstores
  • 2% cash back on groceries, dining, gas, rideshare, and streaming
  • 1% cash back on everything else

2022 categories:

  • Q1: Gas, Cellular/Wireless, Cable/Satellite
  • Q2: Gas, Gardening, Supermarkets
  • Q3: Gas, Wholesale Clubs, Fast Food
  • Q4: Unknown

Note: for 2023, Affinity may have discontinued rotating categories. TBD.

Review: Amazon Prime Rewards Visa

The Amazon Prime Rewards Visa Signature credit card is issued by Chase Bank. Although it’s a store card with limited usage, it has decent benefits, and it’s good at what it does. The sign-up bonus is also easy to get, since it doesn’t have a minimum spending requirement like other cards.

FEATURES AT A GLANCE

  • No annual fee
  • No foreign transaction fee
  • 5% cash back at Chase Travel for booking flights, hotels, or car rentals (3% instead if you’re not a Prime member) (new benefit as of May 2023)
  • 5% cash back at Amazon and Whole Foods (3% instead if you’re not a Prime member)
  • 2% cash back at restaurants and gas stations
  • 2% cash back on transit and rideshare (as of May 2023, replacing the former “drugstore” category)
  • 1% cash back for everything else

The Top 5 Credit Cards for Amazon Purchases

Billions of people visit Amazon each month, so getting a decent cash back rate at Amazon can be fairly important. The company isn’t without controversy, but we’re going to focus solely on cash back credit cards with the below information. Amazon still has more than 200 million Prime members and has been designated America’s most trusted retailer. Note that Amazon frequently has promotions to save even more money.

Outside of these top 5 options (which are all Visa Signature cards), check out our list of the best cards for everyday spending. It’s pretty easy to earn 2% to 5% cash back on all purchases.