What differentiates an affinity card from regular credit cards?

An affinity card is distinguished by its association with a specific organization or group, which is indicated by the bearing of a trade name or mark of an affinity partner. These partners often include non-profit organizations, schools, or other entities that have a relationship with the issuing bank. This branding can be used as a tool to support the partner's initiatives, as a portion of the card’s revenue or fees may be directed back to the organization.

The emphasis on collaboration with a recognizable entity helps create a sense of community and connection for the cardholder, making it an attractive choice for those who want to support a cause or institution they care about. While there are many factors that could shape the individual features of a credit card, such as interest rates or usage limits, the central aspect that defines an affinity card is this unique partnership with a specific group, which is not a characteristic shared by standard credit cards.