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Are you a graduate of the University of Nebraska who bleeds Cornhusker red? Maybe you’re a golf fanatic or a semi-professional drag racer. No matter your passion, the odds are good that PartnersFirst has an affinity rewards credit card for you.
You might not have heard of PartnersFirst. Don’t be shocked. The company remains largely in the background because it offers what are known as affinity credit cards. Such cards are connected to professional associations, magazines, clubs and college alumni associations.
The cards operate much like traditional rewards cards, providing rewards points or cash back with every dollar that you charge. But each affinity card comes with a unique twist depending on what type of organization, school or club to which it is attached.
For instance, if you sign up for the Golf Magazine Visa Rewards Credit Card, you’ll nab a dozen free personalized golf balls. The Bicycling Magazine Visa Rewards Credit Card gives you the opportunity to emblazon your card with a photo of yourself and your favorite bicycle.
Similarities Among PartnersFirst Rewards Affinity Credit Cards
That being said, each PartnersFirst rewards card comes with certain similarities. Each — or at least, most — cards allow you to earn 1 percent cash back with every dollar that you charge.
They all come with the same purchase interest rate that ranges from 12.24 percent to 22.24 percent, depending upon your creditworthiness. And each card offers an introductory interest rate of 0 percent on all balance transfers for six months.
The fees are the same, too: Cash advances cost 4 percent of the transaction amount or $5, whichever figure is higher. Some PartnersFirst cards don’t charge late fees — while others do charge a fee of up to $15 — but they do charge a returned-payment fee of up to $25.
Differences Between PartnersFirst Rewards Affinity Credit Cards
The best way to explore the many affinity cards that PartnersFirst offers, is to log onto the company’s Web site here.
Once you do, you’ll see that each affinity card comes with a trick or two that makes it unique. For instance, the BMW Car Club of America Visa Rewards Credit Card allows you to earn points for free BMW Car Club of America membership. You can also earn free club gear and apparel.
The Husker Rewards Visa Credit Card — affiliated with the University of Nebraska — allows you to earn points for Cornhusker gear and apparel, while the Chicago Bar Association Rewards Visa Credit Card brings 12,500 bonus points after your first purchase plus triple points on all bar association expenses.