We have tried to contact AARP Financial Services regarding the specific benefits of this card that are not available on the market as a whole.9 However, you cannot indicate a specific benefit of this card that would not be available on a standard credit card. If you look at the terms of the financial agreement, you can see that it is structured in the same way as any other credit card. The first academic approach to affinity marketing was proposed by Macchiette and Roy in 1992. They described this term as a combination of affinity and marketing ideas.  They defined the word affinity as “an individual level of cohesion, social bonding, identification and compliance with the norms and standards of a particular reference group”, while marketing is described as “the expectation of a benefit for the individual that satisfies the wants and needs of the consumer”.  3. PCT PATENT CO. RIGHTS A.PCT Patent Co. have the exclusive right, during the term of this Agreement, to develop, customize, maintain and administer an Internet affinity and benefits marketing program and/or an e-commerce website consisting of products and/or services offered by merchants and linked to the WIPO International Co website. Car clubs began as organizations that catered to the specific needs of motorists. These organizations would provide services such as road emergency care such as tire changing, towing, and battery jumping.
Today, the vast majority of automobile clubs fall under the AAA, formerly known as the American Automobile Association. AAA consists of 69 regional AAA organizations (such as AAA Midwest) that all have agreements where members can take advantage of one of the individual organizations. Member services and the cost of running the national organization are all generated by dues paid regularly (monthly, annually, etc.). The services offered by AAA have also diversified beyond typical road services, including the promotion of insurance and financial instruments such as credit cards.4 These campaigns are win-win scenarios for both parties. When a trading partner partners with an organization to provide goods in exchange for access to a new market, both parties benefit. Through its affinity partnership, Chase Bank is expanding its global customer base, while Amazon provides incentives to those who use credit card with their service, increasing the number of people likely to buy products on Amazon. The biggest strength of an affinity marketing campaign might be how customizable it is. There are hundreds of reference groups and target markets where companies can show up, and with the right campaign, these strategies are largely successful.
In summary, these affinity organizations do not differ much in the credit cards they offer and what is generally available in the market. Some offer slightly better financial terms and benefits, such as the Union Plus credit card and, to some extent, AARP cards, while others offer the same terms available elsewhere. Financial contracts here are also structured in the same way as a standard credit card, where a low interest rate is temporarily offered in advance, which can increase over time or by drawing fees or penalties. All agreements also give credit card companies the power to modify the agreement based on inventory, which is reflected in how interest rates may vary based on creditworthiness and other factors. .