[CMF-checkins] Fred and Kristen Adelman,
About Sports Affinity Credit Cards
candyshop999 at gmail.com
Mon Jan 7 06:17:11 EST 2008
Fred and Kristen Adelman, About Sports Affinity Credit Cards
Affinity cards are a special kind of credit card which are linked into the
cardholder's lifestyle in some way, offering benefits of a more personalized
nature than the typically available 0% balance transfer offers and the like.
Examples of affinity programs are charity credit cards, where a donation is
made to a particular charitable organisation whenever the card is used, or a
travel rewards card which lets you build up points which you can redeem
against a hotel chain or airline which you use frequently.
A further type of affinity card is becoming more and more popular: the
sports team affinity card, aimed at supporters of a particular football team
or other sporting club.
The most obvious difference between a sports card and a normal one is in the
actual appearance of the card, which will generally feature the logo or
badge of the team chosen. This in itself is a desirable feature for many
fans, as it's a very visible declaration of your allegiance to your team,
and is sure to attract comment from other fans.
Perhaps the most important aspect of sports affinity cards is a financial
one, however. In much the same way as charity credit cards work, a sports
card lets you contribute to the financial wellbeing of your team with no
direct cost to yourself. A small percentage of everything you spend will be
donated by the card issuer to the team linked to the card account, and while
this may amount to only a small sum in the case of individual cardholders,
the money involved can mount up quickly if thousands or tens of thousands of
people regularly use the card.
In many cases, the money raised by starting a sports affinity card program
will be used by the team involved to fund the longterm health of the club,
often by investing in youth academies and development. This means that by
using the card for regular spending, you're helping to secure the success of
your team well into the future.
Not only can your card use benefit your team, it can also feature attractive
personal benefits such as discounts on club merchandise, a rewards scheme
where you can build up points to offset against the costs of buying tickets,
or even priority access to big games, depending on the specific card
So, are there any downsides? Like all credit cards that offer some sort of
tempting carrot to entice people to apply, the benefits offered need to be
paid for somehow, and this is usually in the form of a higher standard APR
or interest rate. It's unlikely that you'll find an affinity card of any
variety listed in the 'best value' or 'lowest APR' tables. If you use your
card for borrowing rather than simply as a convenient payment method, the
sports-related benefits may well be overshadowed by the increased costs of
Having said that, unless you're planning to carry a substantial balance on
your card from month to month, the headline interest rate is perhaps not as
important to you as the fact that your card will be showing your support for
your team both visibly and financially.
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