Types of Affinity credit cards
If you need a credit card in Saskatchewan, the Affinity Credit Union in partnership with Collabria offers six options to choose from.
Cash Back Mastercard. Cash Back Mastercard is a no-fee credit card with a 19.99% purchase interest rate and cash back earning opportunities. For every $1 spent with your Cash Back Mastercard credit card in gas purchases, you will earn two cash back points, for every $1 spent on entertainment purchases — one cash back point, and for every $1 spent on other purchases — 0.5 points. Insurance coverages included in this card are 90-day purchase protection, extended warranty, and mobile device insurance.
Classic Mastercard. Classic Mastercard is a no-fee credit card with a low 12.99% purchase interest rate. Insurance coverages you get with this credit card are 90-day purchase protection, extended warranty, and mobile device insurance.
Travel Rewards Gold Mastercard. A Travel Rewards Visa card features a 19.99% purchase interest rate and extensive reward-earning opportunities. The annual fee for a Travel Rewards Gold Mastercard is $99 for the primary cardholder and $30 for additional cardholders. Insurance coverages you get with this credit card are auto rental collision/loss damage insurance, emergency healthcare insurance, trip cancellation, and interruption insurance, lost or delayed baggage insurance, 90-day purchase protection, extended warranty, and mobile device insurance.
World Mastercard. World Mastercard is a premium credit card with a 20.99% purchase interest rate and reward-earning opportunities. The annual fee for a World Mastercard credit card is $120 for the primary cardholder and $50 for additional cardholders. Grocery purchases made with your World Mastercard credit card will bring you three reward points for every $1 spent. Entertainment purchases will bring you two reward points for every $1 spent. All other eligible purchases will bring you one reward point for every $1 spent. Insurance coverages included in this credit card are auto rental collision/loss damage insurance, emergency healthcare insurance, trip cancellation, interruption insurance, lost or delayed baggage insurance, 90-day purchase protection, extended warranty, and mobile device insurance.
Centra Gold Mastercard. Centra Gold Mastercard is a low-rate credit card providing an 11.99% purchase interest rate. The annual fee for this credit card is $50 for the primary cardholder and $10 for additional cardholders. Every $1 you spend with this credit card will bring you one reward point for each $1 spent. Insurance coverages included in this card are 90-day purchase protection, extended warranty, and mobile device insurance.
U.S. Dollar Mastercard. U.S. Dollar Mastercard provides a 19.99% purchase interest rate. For U.S. purchases, there is no foreign transaction fee. The annual fee for this card is $50 for the primary cardholder and $35 for additional cardholders. In addition, you can earn 1 reward point for every $2 USD spent with your U.S. Dollar Mastercard credit card. Insurance coverages included in a U.S.Dollar Visa card are auto rental collision/loss damage insurance, 90-day purchase protection, and extended warranty.
How to apply for an Affinity credit card
Affinity accepts applications for its credit cards online. To proceed with an application, click the “Apply now” button and fill out the online application form with the following applicant information:
Your first name
Your middle name
Your last name
Your social insurance number
Your date of birth
Your gender
Your mother’s maiden name
Your email
Your phone number
Your member number
Your address
Since when you’ve been living by this address
Your monthly housing payment
Your employment status
Your occupation
Your employer
Your position
For how long you’ve been working there
Your monthly gross income
Promotional code (if any)
Information about referrers
The intended use of the credit card
If you want to apply for a joint credit
If you want to add an authorized user
If you want to buy Balance Protection Insurance
Then, click the “Submit” button to complete your application.
Requirements
To apply for an Affinity credit card, you must be a Canadian resident aged at least 18 (the age of majority in Saskatchewan) and clear of bankruptcies within the last 36 months.
Pros and cons
Here are the pros of Affinity credit cards:
Credit card options with different benefits
24/7 credit card account management through MyCardInfo
An option to apply online
The cons of Affinity credit cards are:
Credit cards are available to Saskatchewan residents only
The lack of credit cards for students
How to make a payment
There are several ways to pay for your credit card balance:
Paying online through MyCardInfo — an online credit card account management tool by Collabria
Sending a payment to CP 6417 SUCC Centre Ville, Montréal, Quebec H3C 3L4
Paying in person at your local branch
