Each card earns rewards differently. Part of choosing your card is deciding what type of rewards you want to get. With Affinity World Mastercard, here's how you earn rewards:

5 points per $1 for the first $1,500 in monthly spend
10 points per $1 for the next $1,500 - $3,000
15 points per $1 for all spending $3,000 and up
10 points per $1 spent on 20% of your highest spend category in each month

For all reward details click here.

How much your rewards are worth

The dollar value of your rewards depends on the specific rewards program ‒ and what you choose to redeem your points for. For Affinity World Mastercard in particular, if you spend $2,000 per month, here's our estimated annual rewards earned depending on which reward you choose:

Statement credits

$150

Statement credits

$150

Calculating your annual rewards

$24,000 annual spending x 0.63% return on spending = $150 annual rewards

$150 annual rewards − $120.00 annual fee = $30 net annual rewards

Details and eligibility

Do I qualify?

Estimated Credit Score: 760 - 900
Personal Income: $60,000
Household Income: $100,000

Fees

Annual Fee: $120.00
Extra Card Fee: $48
Card type: Credit

Interest rates

Purchase: 20.99%
Cash Advance: 22.99%
Balance Transfer: 12.99%

Insurance coverage

Extended Warranty: 1 year
Purchase Protection: 90 days
Mobile Device: $1,000
Travel Accident: $150,000
Emergency Medical Term: 8 days
Emergency Medical Maximum Coverage: $5,000,000
Rental Car Theft & Damage: Yes

Please review your insurance certificate for details, exclusions and limitations of your coverage, terms and conditions apply.

Learn more about the value of credit card insurance coverage.

Genius Rating

Affinity World Mastercard's 2.4 Genius Rating is based on the weighted average of the following scores:

Methodology

All scores are produced by our math-based rating algorithm that takes into account over 126 credit card features.

Learn more about our rating methodology.

Key benefits

Earn 5 points per $1 spent on the first $1,500 in monthly purchases.
Earn 10 points per $1 spent on the next $1,500 to $3,000 in monthly purchases.
Earn 15 points per $1 spent on all monthly purchases after spending $3,000.
Earn 10 points per $1 spent on 20% of your highest spend category.
Redeem points as a statement credit or towards individual purchases.
Low interest rate of 12.99% on balance transfers.
$10 monthly fee that gets waived if you spend $4,000 in a month.

What are your thoughts?

About creditcardGenius

creditcardGenius is a smart credit card matchmaker that compares 126+ features of 231+ credit cards, with objective ratings, rankings and reviews. Built in 2017, for Canadians by Canadians, creditcardGenius is trusted by more than 200,000 people every month, 50,000 newsletter subscribers, and 15M people since launch.

About creditcardGenius

About creditcardGenius Team

The creditcardGenius team of writers is dedicated to bringing factual, helpful, and thorough information to Canadian consumers. Each piece of content goes through a 3-step review process because quality is important to us.

About creditcardGenius Team

Rating Methodology

The most comprehensive credit card rating system in Canada.

Featured In

Have a second? Let us know how we can make your experience better.

Resources

Company

Help

Province:

200 Champlain St. Suite 210, Dieppe, NB E1A 1P1

^◊ The creditcardGenius algorithm, based on our Rating Methodology, calculates an estimated dollar value for all rewards and bonuses by combining typical monthly spending with well-researched reward point value estimates. "Annual Rewards" is calculated by combining our default $2,000 in monthly spending ($24,000 annually) spread across 8 different spending categories (gas, groceries, travel, etc) with our point value estimates. "Welcome Bonus" is calculated by combining all one-time bonuses available to new cardholders within the first year with our point value estimates. To qualify for the full bonus you may need to make purchases, meet minimum spending requirements, or complete special actions. "Annual Interest Savings" is based on a credit card balance of $8,000 and a standard credit card interest rate of 19.99%. Annual Rewards, Welcome Bonus, and Annual Interest Savings values will change if the person adjusts their monthly spending away from the $2,000 monthly default or changes their reward preferences.

*,^† Terms and conditions apply.

Affinity World Mastercard

Affinity World Mastercard

Pros & cons

Pros

Cons