Different Types of Affinity Cards Defined
Affinity cards are credit cards which are tied up to a certain organization. The organization which the credit card sponsors usually carries its logo on the face of the card. Nowadays, as the balance transfer deals and the like are slowly getting out of the picture, credit card holders are now looking more into supporting an organization by using their card, or by getting rewards from their purchases.
Because of this, a lot of cash back rewards card and affinity cards have been manufactured and distributed to the public. If you are one of the persons interested in applying for this type of card, you should be able to have knowledge of the different types of affinity cards out there as well as their different uses for you to be able to make an informed decision on which card to choose.
The first type of affinity cards are cards which associates the owner of the credit card with a certain company, organization and the like. More often than not, these cards bear the logo or name of the company or organization the credit card user is associated with. Let’s say for example, your company requires you to travel to different places for business meetings, and with all the places you go, you have a certain hotel which you prefer to be in, then acquiring affinity cards which are associated with these hotels will provide you not only big discounts and rewards, but also additional perks like getting free meals, free use of hotel facilities, and access to some VIP services to make your experience worth every penny.
Of all the types of affinity cards available out there, the charity credit cards are becoming more popular at present. Charity credit cards work like cash back credit cards where a certain percentage of your purchase is reimbursed. The main difference is that, in a cash back credit card, you get your rebates in the form of check, or you can accumulate these amounts to pay off your card or purchase certain items, while in the charity credit card, a certain percentage of every purchase you make is donated to the charity or organization in which your card is affiliated with.
Another type of card which works like charity cards are sports affinity cards. These affinity cards usually carry the logo of your favorite team on the face of the card. The main difference between charity and sports card is that instead of the benefits of your purchases going to selected charities, they go to your favorite teams. This will be a great show of support to your team if you hold one of these cards.
Affinity cards are now becoming more popular because of the exciting benefits card holders get, as well as the joy of the feeling of being able to help a charitable institution or organization, or by financially supporting your favorite team. It is very important to learn about what these different types of cards offer, for with this knowledge, you will make smarter decision in which card to choose.
| Card click for details |
Annual
Fee |
Intro
APR |
APR |
Max Limit | Grace Period |
| Chase PerfectCard |
N/A
|
from 14.99%
|
N/A
|
20 Days
|
|
| American Express Gold Delta SkyMiles |
$85
|
9.99%
|
14.74%
|
100,000
|
20 Days
|
| Blue Cash from American Express |
No
|
0.0%
|
Prime + as low as 4.99%
|
$100,000
|
20 Days
|
 |
|||||
* Each credit card listing is believed to be correct at time it was last updated, however please check the issuer's site for definitive information.
Consider all sources for travel rewards credit card when searching the internet for travel rewards credit cards.