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We have an Affinity for you — That means we’re always striving to provide you with the best! The best service, the best support and the best products.

Our line of personal Affinity credit cards offer great rewards, features and insurance protections. For a limited time, receive a bonus of up to 72,000 in Affinity Rewards™ on top of our standard welcome offer when you are approved* for either the Affinity® World Mastercard®; or World Elite® Mastercard®! Offer ends December 31, 2024.

Apply now through online banking!   or   ‌Book an appointment today!

Personal credit cards

Spend more, earn more

New Affinity Rewards™ maximize the points you earn based on your monthly spend

Installment pay

Allows you to break down large purchases into manageable monthly payments

Partner offers

Earn rewards from your favourite brands with exclusive offers

Easy access

Link your credit card to access your information from your Affinity online banking and the Affinity Mobile app

Earn points then earn even more points!

With Affinity Rewards you’ll earn points on every purchase and you can double or triple your points each month depending on your level of spending!

That’s not all, every month you’ll get bonus points on your highest spend category.

How to redeem points

How does it work?

Let’s say you’re booking a family vacation and purchase your flights, hotels and car rentals in the same month. If travel is your highest spend category, you’ll get bonus points on purchases up to 20 percent of your total spend!

The best part — it’s completely personalized month to month so if next month you're hosting a party and your highest spend is on groceries, that’s where you’ll earn your bonus!

Which card is right for you?

Rewards Calculator

Affinity Rewards Points Calculator

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Total Monthly Spend:
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Affinity Value Master Card

Mastercard:
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Approximate dollar value:
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Affinity World Master Card

World Mastercard:
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Approximate dollar value:
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Affinity World Elite Master Card

World Elite Mastercard:
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Approximate dollar value:
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Affinity Business World Master Card

Business World Elite:
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Approximate Dollar Value:
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Affinity Business Plus World Elite Master Card

Business+ World Elite:
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Approximate Dollar Value:
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Experience peace of mind with protection** for life’s unexpected events

Zero liability

Worry-free assurance that you won’t be held responsible for unauthorized purchases made on your card.

Purchase security & extended protection

Provides coverage for most new personal items you purchase with your card, should they be stolen or damaged within 90 days of purchase.

If the item comes with a warranty, you may be entitled to extend the warranty when you pay with your eligible Affinity credit card.

Mobile device protection

Built-in insurance that will cover your mobile phone device from being lost, stolen or damaged. Applies when you charge the full or partial price of a new mobile device to your credit card, or the purchase price is financed with your card through your service provider’s installment plan.

Event ticket protector

If you hold a ticket to a sporting event, theater show or concert, you can be reimbursed up to either the cost of your tickets or the maximum coverage amount (whichever is less) if you can’t attend for a covered reason.

Common carrier accident

Protects the covered person if they suffer a loss while on a covered trip aboard a common carrier vehicle.

The benefits keep on coming

  • Monthly fee waivers for certain spend levels
  • Earn even more rewards from your favourite merchants
  • Instantly redeem rewards on our Affinity Rewards portal
  • Mobile wallets – iOS, Android, Samsung
  • Real-time control of your transactions
  • Lock your card online, anytime
  • Simplified user account management
  • Instant approval and virtual card

Which Affinity credit card is right for you?

Mastercard®World Mastercard®World Elite® Mastercard®
Welcome Offer10,000 pts50,000 pts150,000 pts
Monthly Fee$0$10 waived if monthly spend is at least $4000$12 waived if monthly spend is at least $8000
Additional Card Monthly Fee$0$4$8
Interest RatesPurchases: 12.99%
Balance Transfers: 12.99%
Cash advances 12.99%
Purchases: 20.99%
Balance Transfers: 12.99%
Cash advances 22.99%
Purchases: 20.99%
Balance Transfers: 12.99%
Cash advances 22.99%
Rewards2 points per $1
(for the first $1-$749.99 in spending)
4 points per $1
(for the next $750 - $1499.99)
6 points per $1
(for all spending $1500 and up)
5 points per $1
(for the first $1 - $1499.99 in spending)
10 points per $1
(for the next $1500 - $2999.99)
15 points per $1
(for all spending $3000 and up)
10 points per $1
(for the first $1 - $2999.99 in spending)
20 points per $1
(for the next $3000 - $5999.99)
30 points per $1
(for all spending $6000 and up)
Bonus Points8 points per $1 spent (awarded based on your highest spend category)10 points per $1 spent (awarded based on your highest spend category)12 points per $1 spent (awarded based on your highest spend category)
Minimum Income Requirement$10,000 personal (exceptions apply)$60,000 personal or $100,000 household$80,000 personal or $150,000 household
Insurances & Benefits*
Common Carrier Accident, Purchase Security & Extended Protection, Mobile Device, Event Ticket Protector
Out Of Province Emergency Travel Medical 
Car Rental Collision/Loss Damage 
Flight Delay & Baggage  
Hotel Burglary  
Trip Cancellation/Trip Interruption  
Zero liabilityWorry-free assurance that you won’t be held responsible for unauthorized purchases made on your card
And More
Airport Lounge Access 
Global Wifi 
Concierge Service  

Apply now through online banking!   or   ‌Book an appointment today!

Affinity® registered trademark of Affinity Credit Union 2013. All rights reserved.
Affinity Rewards™ registered trademark of Affinity Credit Union 2013. All rights reserved.
Mastercard®, World Mastercard® and World Elite® Mastercard® are registered trademarks of Mastercard International Inc. used under license.
* Must have a minimum personal income of $60,000 or household income of $100,000 for the Affinity World Mastercard, or $80,000 personal / $150,000 household income for the Affinity World Elite Mastercard.
** Insurance underwritten by Royal & Sun Alliance Insurance Company of Canada, 1500A-700 University Av., Toronto, ON., 1-833-429-2746 in Canada & U.S., or collect at 416-920-0938. www.rsagroup.ca. Go to https://www.affinitycu.ca/legal or review your Certificate(s) of Insurance for coverage, eligibility requirements, benefits, limitations, and exclusions. Insurance subject to terms and conditions of master policies issued to Brim Financial Inc.