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Affirm Debit+™ Card: The Power of BNPL In Your Wallet

Cory Santos

| Last updated on January 4th, 2024

Affirm Debit+™ Card

Affirm Debit+™ Card
No Credit Required
BestCards refers to a variation of FICO Score 9, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: No Credit Required
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None Annual Fee

Affirm Debit+™ Card

  • See Terms Regular Purchase APR

At a Glance

The Affirm Debit+™ Card is a fee-free Buy Now, Pay Later debit card that links to an existing bank account. The card, from Affirm and Evolve Bank & Trust, allows users to split purchases of $100 or more with no credit score impact – and no annual fee.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • No annual fee
  • Pay up front, or pay over time—interest-free
  • Split big purchases at 0% APR
  • Regular Purchase APR: See Terms
  • You're looking for a Buy Now, Pay Later service and not a credit card
  • You meet the eligibility requirements for the card
  • You do't want to pay an annual fee or any extraneous fees

Affirm Debit+™ Card Review

The Affirm Debit+™ is a combination debit/checking account and a Buy Now, Pay Later (BNPL) service from industry-leader Affirm. The debit card provides the flexibility of a BNPL service with the impressive lack of any fees – including interest – on big purchases.

Buy Now, Pay Later – with No Credit Impact

Because the Affirm Debit Card is a full-fledged debit card, there is no credit check to apply for or receive the account. The Debit+ card works with your existing, linked bank account. This process ensures that purchases can be split over time without needing credit – meaning no impact on your credit score.

No Fees of Any Kind

Even better, because the Affirm Debit+ Visa links with an existing bank account, paying overtime doesn’t involve any hidden fees. Gone are the annual fees, sign-up fees, overdraft fees, and late payment charges found with other credit cards.

Eligible purchases of $100 are even free from interest charges. Select merchants may offer 0% promotional APR on purchases, with other purchases incurring an APR of between 0% and 30% APR, subject to creditworthiness (based on a soft credit pull). Loans are simple interest loans, which means that interest, if any, accrues daily on the unpaid principal balance, up to the amount of the finance charge, until you pay the loan in full.

How to Get Affirm

Applying for Affirm+ is very simple. Applicants must be 18 or older, live in the United States (U.S. territory and New Mexico residents are not eligible at the moment, however), have a valid Social Security Number (SSN), and have an eligible bank checking or savings account.

How Does Affirm Work?

The Affirm+ Debit Visa works through the dedicated Affirm Debit+ app. The app, available in both the Google Play and Apple App Store, provides a streamlined, single destination where cardholders can view, manage, and split their purchases.

After an account holder makes an eligible purchase of $100 to $1,000 with their Affirm Visa, they’ll have 24 hours to choose to split the purchases using Affirm’s BNPL service. Before splitting the purchase, the cardholder will see the APR for that BNPL service before accepting the terms and splitting the purchase. Payments are then automatically debited from the linked bank account.

Keep in mind that Affirm sets a daily limit on the total amount a user can spend. The card has a flexible spending limit based on the available balance in the linked personal bank account – with daily limits reaching a maximum $2,500 daily limit and a maximum $15,000 monthly spending limit.

Other Debit Cards to Consider

Albert Mastercard® GO2bank Visa® Debit Card Yotta Debit Card
Feature #1 Earn $150 when you receive a qualifying direct deposit and use your Albert debit card Overdraft protection up to $200 with opt-in and eligible direct deposit The only debit card that could literally make someone a millionaire including odds up to 1 in 100 Yotta will cover your entire purchase
Feature #2 Earn cash back rewards when you buy groceries, gas, food and more with your Albert debit card Free nationwide ATM network Refer a friend, and you both get $50 Earn 10% of your purchase amount back in the form of tickets into the following week’s sweepstakes
Direct Deposit Get paid up to 2 days early Get paid up to 2 days early Get paid up to 2 days early

What We Like About Affirm

There’s plenty to like about Affirm’s debit card, starting with accessing Affirm Buy Now and Pay Later services directly from the card. That streamlined access, including anywhere Visa is accepted in the U.S., is great, especially when no hidden fees or membership account costs are associated with the card. Hook up your existing checking account to your new Affirm Card, and you will enjoy the peace of mind of Affirm and a traditional debit card. After swiping, you can even use the mobile app to request plans for eligible purchases.

Things to Consider

Perhaps the biggest letdown with the Affirm Card is the inability to use the card outside of the United States. The card only works wherever Visa is accepted in the United States, meaning you might be out of luck if you plan to travel abroad or make purchases with some foreign websites.

Other Card Features

One important note with the Affirm+ Visa Debit Card is that the card will not work at ATMs. This restriction means the Affirm Card will not operate as a traditional debit card – despite being linked to an existing bank account. Additionally, the card does not currently work outside of the United States, meaning if you are looking for a global purchasing tool that offers BNPL capabilities, this isn’t your best bet.

Other notable features of the Affirm Debit+™ Visa include:

  • Mobile wallet compatibility with Apple Pay or Google Pay through the Affirm+ mobile app
  • EMV chip technology and contactless payment integration

Cardholders also enjoy access to the basic Visa debit card protections and benefits, including:

Dovly Uplift™ credit score monitoring ID Navigator Powered by NortonLifeLock Visa Zero Fraud Liability Lost/Stolen Card Reporting

Affirm+ Fee Schedule

Here is the most up-to-date fee schedule for the Affirm Debit+™ account:

Charge Fee
Card Purchase Fee $0.00
Card Activation Fee $0.00
Account Registration Fee $0.00
Monthly Fee $0.00
Weekly Fee $0.00
POS PIN Debit Purchase $0.00
POS Signature Purchase $0.00
POS PIN Purchase (Declined) $0.00
POS SIG Purchase (Declined) $0.00
ATM Withdrawal In-Network (US) $0.00
ATM Withdrawal Out-of-Network (US) Third Party Network Fees may apply
ATM Withdrawal (Declined) $0.00
Automated System Customer Service $0.00
Live Agent Customer Service Fee $0.00
Inactivity Fee $0.00
Insufficient Funds/NSF Fee $0.00
Close Card $0.00
Replace Card $0.00

Affirm Ratings

Here are a selection of expert reviews for Affirm:

Should You Get the Affirm Debit+™ Visa Card?

The Affirm Debit+™ Card is an interesting BNPL debit card from industry-leader Affirm. Buy Now, Pay Later services are popular thanks to more accessible access to financing than traditional credit cards, with the Affirm card the latest example of this trend.

While Affirm Debit+ offers free access to BNPL solutions, the card won’t build credit like some other debit cards (notably the Tomo Credit Card, which essentially functions similarly). Secured credit cards, or even credit builder cards that offer basic rewards (such as the Revvi Card or Surge Platinum Secured Card) may provide a better platform for those looking to establish a positive credit history.

Ultimately, the Affirm Debit+™ Card serves the BNPL niche very well. It might not offer the chance to build credit, but it hits all the right notes for those who don’t worry about things like that.

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