Affinity Credit Cards Give Charitable Spending a Whole New Meaning

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Affinity credit cards take charitable giving to a whole new level. They can be an excellent way to give back and donate to charities that are important to you. 

People who use these types of credit cards often have access to charitable giving opportunities that they do not have with traditional banks.

If you’ve been looking for a way to increase the value of your charitable contributions, this is the guide for you. 

Affinity credit cards are specifically designed to provide rewards and benefits associated with specific affiliations or interests. This can include religious organizations, universities, special interest groups such as outdoor enthusiasts, and much more.

What is an affinity card?

An affinity card is a credit card affiliated with a certain organization, such as a university or charity. 

These cards benefit members of the affiliated group and frequently allow people to donate their rewards to the group’s designated charity

Affinity cards can be an excellent way for customers to show their support for a cause they care about while also doing good in the world. Affinity cards are appealing because you can donate your rewards to any charity of your choice. This is something that traditional banks typically do not provide.

Using an affinity credit card can be a great way to foster goodwill within your community or group by providing them with assistance that would otherwise be unavailable. This is especially true when people use their affinity cards to make purchases around the holidays.

How do affinity cards work?

Affinity cards operate in much the same way as traditional credit cards, but they provide additional benefits to members of affiliated organizations such as charities or professional associations. 

Affinity cards, which are available from both banks and credit unions, typically have lower interest rates and fees than traditional credit cards.

The key distinction is that affinity cards allow for charitable giving, which means that your money can be used to support organizations that are important to you. Affinity credit cards also typically include a rewards program that allows you to donate your rewards to any charity of your choice.

When you use an affinity card, you can donate the rewards you earn to a charity of your choice, making it a simple way to give back without spending more money.

Affinity cards frequently include additional benefits. These can include discounted rates on affiliated group products or services, bonus points for using the card, and more.

What are the benefits of using an affinity credit card?

Affinity credit cards can provide you with special offers such as discounted or free products from affiliated companies (like coupons for specific restaurants). 

If your credit card is linked to a university student organization, for example, the card issuer may offer discounts at local businesses. You can also earn points or cashback on your credit card spending, allowing you to donate rewards directly to any charity of your choice.

The advantage of affinity credit card programs is that you can donate your rewards in any amount up to 100% to a charity of your choice. With an affinity card, you can designate a specific charity to which your rewards will be donated on a monthly or annual basis. You may also be able to deduct your donations from your taxes.

Unlike traditional bank products, in which charities have separate agreements on which ones will receive donations from their customers’ purchases, affinity card programs allow you to donate any percentage of your rewards to any charity or organization — regardless of whether it is affiliated with the card issuer.

When it comes to selecting the best affinity credit card for you, there are a few things to consider:

  • How much money can I afford to put towards my credit each month?
  • What is the interest rate on this card?
  • Do I want a rewards program where I can donate my points to charity, or do I just want cash back or travel rewards?

Once you’ve decided what it is that you want in a credit card, you can compare different affinity cards to see which one is best for your spending habits.

Overall, an affinity credit card could be a great option for anyone looking to give back through their everyday purchases — and it’s available at some of the most popular banks in the country.

You may want to check to see if the card issuer is reputable and has a track record of keeping its promises to customers. You should also think about how much you’re willing to spend on your affinity credit card each year, as well as what kind of rewards you’d like to earn from spending with your new credit card.

If you have a favorite charity about which you are passionate and want to assist them in reaching their fundraising goals, an affinity credit card can be a great way to do so. 

Because there are so many options available when it comes to selecting the best affinity credit card for your needs, make sure you thoroughly investigate all of your options before making a decision or signing up with a card issuer.

How do I choose which type of affinity credit card is right for me?

There are several types of affinity credit cards available to you, each with its own set of benefits and perks. When it comes to selecting the right product for you, consider your charitable giving needs as well as how much money you want to put toward your credit each month.

Some affinity cards, for example, offer a percentage of the money you spend with them in cashback rewards, while others offer points that can be redeemed for travel. 

If your goal is to donate as much as possible to charity each month, an affinity credit card that offers higher percentages back in cash or points for your spending may be a good choice.

Some affinity cards also provide discounts on affiliated companies’ products and services. This could be useful if you’re looking for ways to save money in your daily life or if you want to support a charity with a business relationship with the card issuer.

Cashback Affinity Credit Cards

The cashback credit card is one of the most popular types of affinity credit cards. 

These cards reward you with a percentage of your spending, which you can then donate directly to any charity of your choice. For example, you could earn 50% back on all of your card purchases, allowing you to give back 50% of the money you spend on it.

Rewards Affinity Credit Cards

A different type of affinity credit card is one that rewards you for purchases rather than cash back. 

This could include travel miles or even special discounts, such as coupons, at stores affiliated with the card issuer. These cards may also have a rewards program that allows you to donate your points or miles to a charity or organization of your choice.


Common affinity cards and their benefits 

Affinity cards come in various forms, ranging from those offered by a company’s local supermarket to those offered by popular retailers, making it difficult to determine which card is best for you. Some of the most common affinity cards include:

Susan G. Komen® Customized Cash Rewards Visa® credit card from Bank of America

This card gives users one point for every dollar spent, and there is no limit to the number of points that can be earned. In addition, cardholders can donate their rewards to Susan G. Komen®, which funds breast cancer research and programs.

Citi ThankYou® Rewards Credit Card

This card allows users to automatically donate two cents for every dollar spent at national arts organizations. Two percent of all purchases will be donated no matter where the purchase is made or what it is for. The money that’s earned goes toward helping support activities in the arts, culture, and education.

National Association of Social Workers (NASW) Credit Card

This card allows users to donate a portion of their purchases to the NASW Foundation, which provides scholarships and awards to social work students and grants to help fund social work programs.

AARP Rewards Credit Card

This card offers one point for every dollar spent and a 50% bonus on all points earned during the first three months. Users have the option of donating their rewards to any of AARP’s charitable initiatives or using them to shop.

The Nature Conservancy Credit Card from Bank of America

This card gives users one point for every dollar spent, with no cap on how many points they can earn. Cardholders can also donate their rewards to The Nature Conservancy®, which helps fund conservation programs worldwide.

Aspiration: Spend a dollar, plant a tree

We know that giving money to a charity is always an attractive option. But what if you could donate and earn rewards while also benefiting the environment?

The Aspiration Zero carbon-neutral credit card does just that, with each swipe providing a chance to offset carbon emissions while also earning cashback rewards. 

Spend daily to offset your carbon footprint and earn up to 1% cashback on purchases. Use your rewards to plant more trees and receive a credit on your statement. 

Do you want to help the environment while also getting rewarded for it? Apply now!

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