Affinity Credit Cards
We have compared and displayed our range of Affinity credit cards from the whole UK market place. Simply choose a card that matches your needs and click though to apply direct with the credit card issuer.
What are Affinity credit cards and are they useful?
If you want to make a statement with your credit card, then affinity branding might be one alternative. Even if you have never heard the term affinity before, then you will have seen the cards themselves, since they are regularly used by many people. Unlike many other credit cards, they are used with the idea of rewarding other people or organisations while at the same time allowing you to use the card as you would with any other type of credit card.
Whats the idea of the Affinity Card?
The idea behind the affinity credit card is that major banks and credit card companies join forces with charities and local businesses, forming a partnership. If you choose to have this credit card, the charity you name will get a certain percentage of the purchases you make using the card. There are several charities that you can choose to support, and the one you choose to support will appear on the front of the card. You can be delighted to show off the card, demonstrating your charity and your care for the society around you, and people can also become more interested in your personally due to the charity your card supports.
There are several benefits to the credit card, aside from the main purpose which is to support the charity or cause you have chosen. Since the card is almost like a membership of a particular group, you can find benefits and rewards available on these cards which are not available to anyone else. You may get 0% interest on your card for longer than the standard period or benefits on balance transfers, and also a good rate of APR after these periods expire. Good cards are the British Heart Foundation, which offers 0% on balance transfers for 24 months, with 0% on purchases for 3 months, and the Breakthrough Breast Cancer card, which offers 0% on balance transfers for 24 months, and 0% on purchases for 3 months too. There are other cards that will also offer similar benefits to users, so you can support any charity you please, from the Dogs Trust and Cats Protection to Oxfam and Save the children.
Are these affinity credit cards actually useful?
While it can seem like a great way to benefit your chosen charity, as well as receive benefits yourself, you may also wonder whether the credit cards are worth the interest rates you will be paying. Do they benefit the charities enough? It is quite hard to say how much of a difference the average credit card user can make when simply using their card as usual.
The charity does get a little money when you open the account, and then a small percentage after that, but in general the sums made amount to a few pounds. In addition to looking at the charity themselves, it is also a good idea to look at the bank - many financial charities have criticised particular banks in the past, and you may want to avoid using these banks, even if it does mean changing to another charity who use a different bank. This way, you can help both yourself, and the charity.