Personal Credit Cards

Our line of personal Affinity credit cards offer great rewards, features and insurance protections. Earn Affinity Rewards^™ on every purchase, up to 30 points per dollar – as well as bonus Affinity Rewards every month! Enjoy enhanced protections^** with our Affinity^® World Elite^® Mastercard^®, or choose low interest and low fees with the Affinity^® Mastercard^®.

Whichever card is right for you, integration with the Affinity Mobile app gives you easy access to all your transactions, Affinity Rewards, and card management in one spot. Apply now or learn more about which card is right for you!

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

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

Affinity Rewards^™ Winter Contest

Use your Affinity^® Mastercard^® and with eligible transactions you’ll be entered to win 1 of 5 prizes of 500,000 Affinity Rewards!

Find out how

Earn points anywhere, anytime!

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

Dining: 0

Entertainment: 0

Groceries: 0

Health: 0

Home: 0

Shopping: 0

Tech: 0

Transportation: 0

Travel: 0

Miscellaneous: 0

Total Monthly Spend:
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Mastercard:
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Approximate dollar value:
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World Mastercard:
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Approximate dollar value:
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World Elite Mastercard:
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Approximate dollar value:
$0

Affinity Reward program changes coming February 2, 2026

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 Mastercard^®.

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.

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 Offer	10,000 pts	50,000 pts	150,000 pts
Monthly Fee	$0	$10 waived if monthly spend is at least $4,000	$12 waived if monthly spend is at least $8,000
Additional Card Monthly Fee	$0	$4	$8
Interest Rates	Purchases: 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%
Rewards	2 points per $1 (for the first $1–$749.99 in spending) 4 points per $1 (for the next $750–$1,499.99) 6 points per $1 (for all spending $1,500 and up)	5 points per $1 (for the first $1–$1,499.99 in spending) 10 points per $1 (for the next $1,500–$2,999.99) 15 points per $1 (for the next $3,000–$4,999.99) 5 points per $1 (for all spending $5,000 and up)	10 points per $1 (for the first $1–$2,999.99 in spending) 20 points per $1 (for the next $3,000–$5,999.99) 30 points per $1 (for the next $6,000–$9,999.99) 10 points per $1 (for all spending $10,000 and up)
Bonus Points	8 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
Out Of Province Emergency Travel Medical
Car Rental Collision/Loss Damage
Flight Delay & Baggage
Hotel Burglary
Trip Cancellation/Trip Interruption
Zero liability	Worry-free assurance that you won’t be held responsible for unauthorized purchases made on your card
And More
Airport Lounge Access Enjoy access to any of the 1,300+ airport lounges in more than 140 countries worldwide
Flexiroam Global Data Roaming services that provides data connectivity in all parts of the world when you travel. World cardholders get 1 GB/5 Days and World Elite cardholders get 3 x 1 GB/5 Days.
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. New applications only. Card upgrades do not qualify for additional welcome bonus.
^ Travel insurance does not cover everything. Coverage varies by card and conditions apply. Please refer to the certificate wording for full terms and conditions, including limitations and exclusions. Travel insurance is underwritten by CUMIS General Insurance Company, a member of The Co-operators Group Limited. P.O. Box 5065, 151 North Service Road, Burlington, ON L7R 4C2, Canada** \| 1-800-263-9120. Administered by AZGA Service Canada Inc. and/or its subsidiaries, doing business as Allianz Global Assistance. Individual circumstances may vary. You may wish to contact the licensed insurer’s representative or a licensed insurance agent if you need advice about your insurance needs.