Affinity RBNY Rewards Visa®
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. Madeen compares this card against the cards you already carry — no bank login required.
- Top category
- Dining
- Effective value
- 1.3%
- Annual fee
- $0
Madeen may earn compensation from some apply links. Affiliate disclosure
Madeen compares public issuer terms with its card-rule catalog. Issuer pages control rewards, fees, benefits, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice.
What does the Affinity RBNY Rewards Visa earn in each category?
Dining is the strongest category at 1.3% effective value (1.3x points at about 1 cents each). That dining rate ranks higher than about 13% of the 1,547 cards we track in that category. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Dining is the strongest category at 1.3% effective value (1.3x points at about 1 cents each). That dining rate ranks higher than about 13% of the 1,547 cards we track in that category.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 1.3x points | 1.3% Top category |
| Grocery Supermarkets and grocery stores | 1.3x points | 1.3% |
| Gas Gas stations and fuel | 1.3x points | 1.3% |
| Travel Flights, hotels, transit | 1.3x points | 1.3% |
| Other General everyday spend | 1.3x points | 1.3% |
Madeen values Affinity FCU points 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 1.3x points. Best for spenders who put meaningful volume in dining and can earn 1.3x points. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Affinity RBNY Rewards Visa fits spenders who put meaningful volume in dining and can earn 1.3x points. Madeen ranks its dining effective rate higher than about 13% 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 1.3x points.
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. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Pros
- Strongest Madeen category is dining at about 1.3% effective (1.3x points).
- No annual fee in our catalog snapshot.
- No foreign transaction fee listed.
Cons
- Affinity FCU points value depends on how you redeem, not straight cash back.
Does the Affinity RBNY Rewards Visa have an annual fee, and what's the welcome bonus?
The Affinity RBNY Rewards Visa has an annual fee of $0 and a foreign transaction fee of None. Issuer pages control fees and offers; Madeen labels this as catalog analysis, not issuer-confirmed terms. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
- 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. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
- Booking.comIncluded with Visa Traditional
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™Included with Visa Traditional
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.
- OpenTableIncluded with Visa Traditional
Eligible Visa cardholders can enjoy special events access to the hottest dining events on OpenTable. Restrictions apply.
- Roadside Dispatch®Included with Visa Traditional
This 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 SoundsIncluded with Visa Traditional
Enjoy a free ticket per show with the purchase of one or more tickets, plus you can access 7-day Visa Exclusive Presale opportunities.
Common questions about the Affinity RBNY Rewards Visa
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. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
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. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
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. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
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. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
How do you redeem rewards on the Affinity RBNY Rewards Visa?
Rewards on the Affinity RBNY Rewards Visa post as Affinity FCU points. Redemption value depends on how you use Affinity FCU points (statement credit, travel, transfers, or issuer portals). Madeen shows effective cash-equivalent rates using standard valuations. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
How do I maximize rewards on the Affinity RBNY Rewards Visa?
To maximize the Affinity RBNY Rewards Visa, route dining and other bonus categories through this card when they match your spend, then compare it against cards you already carry with Madeen at checkout—no bank login required. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
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). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
Affinity RBNY Rewards Visa This card | Dining | 1.3% | $0 |
Affinity Federal Credit Union | Dining | 2% | $0 |
Related Madeen guides
Related cards
See how this card ranks in your wallet
Madeen compares the cards you already carry for dining, groceries, gas, travel, and everyday purchases — free, no bank login required.