Affinity RBNY Rewards Visa®
Affinity Federal Credit Union and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Affinity Federal Credit Union. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
How we calculate effective rate →
The Affinity RBNY Rewards Visa® from Affinity Federal Credit Union earns up to 1.3% effective value on dining in Madeen's catalog snapshot. It has no annual fee.
- Top category
- Dining
- Effective value
- 1.3%
- Annual fee
- $0
Best for dining-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying. Best for spenders who put meaningful volume in dining and can earn 1.3% back.
What does the Affinity RBNY Rewards Visa earn in each category?
Dining is the strongest category at 1.3% effective value (1.3% back). That dining rate ranks higher than about 34% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how Affinity RBNY Rewards Visa compares across dining, grocery, gas, travel, and other spend.
Dining is the strongest category at 1.3% effective value (1.3% back). That dining rate ranks higher than about 34% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how Affinity RBNY Rewards Visa compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 1.3% back | 1.3% Top category |
| Grocery Supermarkets and grocery stores | 1.3% back | 1.3% |
| Gas Gas stations and fuel | 1.3% back | 1.3% |
| Travel Flights, hotels, transit | 1.3% back | 1.3% |
| Other General everyday spend | 1.3% back | 1.3% |
Madeen values cash back at about 1 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
Who should get the Affinity RBNY Rewards Visa?
The Affinity RBNY Rewards Visa fits spenders who put meaningful volume in dining and can earn 1.3% back. Best for spenders who put meaningful volume in dining and can earn 1.3% back.
Affinity RBNY Rewards Visa fits spenders who put meaningful volume in dining and can earn 1.3% back. Madeen ranks its dining effective rate higher than about 34% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in dining and can earn 1.3% back.
Mostly a flat base earn card without strong category bonuses.
Best for dining-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying.
Pros
- Strongest Madeen category is dining at about 1.3% effective (1.3% back).
- No annual fee in our catalog snapshot.
- No foreign transaction fee listed.
Cons
- Compare simpler no-fee cards if you want minimum complexity.
Does the Affinity RBNY Rewards Visa have an annual fee?
The Affinity RBNY Rewards Visa has an annual fee of $0 and a foreign transaction fee of None. Confirm current fees on the issuer page before applying.
- Annual fee
- $0
- Foreign transaction fee
- None
What benefits come with the Affinity RBNY Rewards Visa?
The Affinity RBNY Rewards Visa includes Booking.com, Dovly Uplift™, OpenTable in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
Roadside Dispatch®
$1,000/yrThis is a pay-per-use roadside assistance program available 24x7. Roadside Dispatch will ask for your location, find out what the problem is, and will remain on the phone with you while arranging a dispatch to a reliable tow operator or locksmith. You pay a set price per service call.
Sofar Sounds
$240/yrEnjoy a free ticket per show with the purchase of one or more tickets, plus you can access 7-day Visa Exclusive Presale opportunities.
OpenTable
$120/yrEligible Visa cardholders can enjoy special events access to the hottest dining events on OpenTable. Restrictions apply.
Booking.com
Purchase qualifying stays with your eligible Visa Credit or Debit card and get up to 8% in Travel Credits to use on future flights, stays, car rentals, attractions, car rentals, taxis and more.
Dovly Uplift™
Get free access to Dovly Uplift. Dovly helps you raise your credit score and get more for your money. While Dovly's platform is designed to remove inaccuracies from your credit report, every case is different, and not everyone will achieve the same results.
Related encyclopedia topics
Common questions about the Affinity RBNY Rewards Visa
How do I redeem my Visa reward points?
Rewards on the Affinity RBNY Rewards Visa post as cash back. Redemption value depends on how you use cash back (statement credit, travel, transfers, or issuer portals). Madeen shows effective cash-equivalent rates using standard valuations.
Does the Affinity RBNY Rewards Visa have an annual fee?
The Affinity RBNY Rewards Visa carries an annual fee of $0 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the Affinity RBNY Rewards Visa?
Dining is the strongest Madeen category for the Affinity RBNY Rewards Visa at about 1.3% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the Affinity RBNY Rewards Visa charge foreign transaction fees?
The Affinity RBNY Rewards Visa does not charge a foreign transaction fee in Madeen's catalog snapshot, which can make it stronger for purchases outside the U.S. Issuer terms still control international acceptance and other fees.
What credit score do you need for the Affinity RBNY Rewards Visa?
Madeen's catalog lists a typical credit range of Excellent for the Affinity RBNY Rewards Visa. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification.
How do you redeem rewards on the Affinity RBNY Rewards Visa?
Rewards on the Affinity RBNY Rewards Visa post as cash back. Redemption value depends on how you use cash back (statement credit, travel, transfers, or issuer portals). Madeen shows effective cash-equivalent rates using standard valuations.
How does the Affinity RBNY Rewards Visa compare to similar cards?
Compare the Affinity RBNY Rewards Visa against Affinity Cash Rewards Visa Signature (2% on Dining, $0 fee); Affinity Pure Rewards Visa (1% on Dining, $0 fee); Affinity Premium Visa (0% on Dining, $0 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
Affinity RBNY Rewards Visa This card | Dining | 1.3% | $0 |
Affinity Federal Credit Union | Dining | 2% | $0 |
Affinity Federal Credit Union | Dining | 1% | $0 |
Affinity Federal Credit Union | Dining | 0% | $0 |
Store-specific guides
Madeen publishes merchant guides that rank cards for specific stores and services. Browse guides for dining spend to see which cards win at checkout.
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Madeen compares the cards you already carry for dining, groceries, gas, travel, and everyday purchases — free, no bank login required.
Affinity Federal Credit Union and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Affinity Federal Credit Union. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
Madeen compares cards you add to your wallet using published catalog rules — no bank login required. Issuer pages control current fees, caps, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice. Apply links are temporarily hidden on madeen.app. Affiliate disclosure