Credit Card Review & Application

Affirm MasterCard Credit Card


out of 5

- True credit - no security deposit required
Credit limit up to $3,000
- Use it anywhere MasterCard® cards are accepted
- Fixed interest rate - 29.99% for homeowners and 34.99% for non-homeowners
- Reports to credit bureaus every month

Introductory APR: N/A*
Introductory Period: N/A
APR on Purchases: 29.99% (fixed)*
Annual Fee: See terms*
Card Issuer: Peoples Trust Bank
Card Network: MasterCard
Card Category: Consumer (Regular)
Card Type: - Card for Bad Credit
- Instant Decision Card
Credit Needed: See T&C*

Before you can be approved for a great credit product, you have to apply. The Affirm MasterCard is a bit different than many of the other credit card offers on the market today. This credit card offer is designed to provide financially responsible consumers with the tools they need to create better opportunities for the future. By exploring a few non-traditional factors, many consumers are finding the services and products they need. With Affirm, it's about building stronger bridges for stronger futures. Consumers find a respectful, helpful and sympathetic team of customer service representatives whose only goals are to empower their customers. By incorporating responsible lending practices, this is a credit card offer that has emerged as not only ideal for many, but a complete package for most. The fees are low as are the Affirm rates.

It's rare that a card offer comes with the advice of exploring other options, but that's simply part of the Affirm Financial transparency efforts, "We encourage you to shop the marketplace. See what others are charging. We don't mind - it only makes our rates and fees look even better!" It's a formula that's working as many customers can attest.

Another reason this credit card offer is a smart choice is its full disclosure policy. You're never left wondering what's next, if there are going to be surprise fees, unexpected changes or unanswered questions. You'll find your answers in the well written disclosures. And if you still have questions, rest assured, there's a service representative ready to take your call.

Another concern many consumers have these days is privacy. Are their transactions safe? Will a company sell their email addresses or other data? Again, it goes back to the same commitment: improving the lives of consumers. No worries about selling information to third parties and the online security is the best in the industry, as well. While applicants will need to provide some information, such as what's necessary to confirm an applicant's identity as well as information to help determine his or her financial situation, the information is collected and protected in ways that meet or exceed various regulatory compliance laws.

Wondering about the benefits of the Affirm Financial MasterCard? This offer requires no security deposit and upon approval, applicants will receive a credit limit of up to $3,000. Because it's MasterCard, it's accepted anywhere you see the MasterCard logo and you can use it online, as well. Low annual fees and interest rates add to the attraction and you can quickly do a balance transfer from other high interest accounts.

Making payments is easy, too. Card members can quickly set up online bill payments for the same time each month from their bank accounts. If that's not an option, Affirm Financial has a partnership with Western Union. This means you can safely and instantly make a payment through any of the locations Western Union is found. Of course, online and phone payments are other options and for those who like the idea of traditional mail, you're provided an address for your payments.

This company understands that past policies from other financial institutions have fallen woefully short. Hidden fees, surprise charges on a statement and unrealistic interest rates have never been part of the Affirm model. It truly is about customer loyalty and consumer satisfaction. It's just a better financial solution for Canadians.

The approval criteria has been carefully created in a way that benefits applicants while also placing the tools in their hands for a strong financial future. Isn't that what great partnerships provide? The satisfaction levels of Canadians with these products are remarkably high. It's a product worth consideration and a business model that many have found to be the right solution for their needs. Affirm Financial has been a trusted financial name in the sector for years and once you're a partner, you too will see those advantages and what they mean to your monthly budget.

As always, we encourage you to explore the terms and conditions, complete a bit of due diligence and ensure you understand any credit offer before applying. As always, if you have questions, the team is standing by, ready to provide that guidance for applicants. Learn more or apply here today.

The review prepared by

Other Benefits: *See terms and conditions of the card for other benefits
Comments: Disclosure: This card is issued by Peoples Trust Company under license from MasterCard International Incorporated. MasterCard and MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated
Credit Reporting: Yes
Online Account Access: Yes
Introductory APR: N/A*
Introductory Period: N/A*
APR on Purchases: 29.99% (fixed)*
Annual Fee: See terms*
Grace Period: 25 days*
Min Finance Charge: 4.00%
Max Credit Line: $3,000
Late Payment Fee: $20.00*
Over Limit Fee: $20.00
Balance Transfer: Yes
Minimum Fee: $25.00
APR Cash Advances: 29.99%
Cash Advance Fee: 4.00%
Minimum Fee: $30.00
Additional Fees Foreign Currency Conversion: 1%
Authorized User Card: $20.00
Replacement Card Fee: $20.00
Returned Payment Fee: $20.00
Duplicate Copy Fee: $3.00/page
Express Card Delivery: $15.00
Reinstatement Fee: $20.00
We do not offer online application for this card at the moment.

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* Published on Jan 6, 2017. Information relating to the Affirm MasterCard Credit Card may change without notice as a result we cannot guarantee the accuracy of details above. It is important you read the terms and conditions attached to a product before submitting the application.

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