What do I need to know about an “affinity” credit card?

So-called “affinity” credit cards can be a good deal for collecting miles and points — but not always. I outline the potential problems.
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Who benefits the most from your airline affinity card? (That’s not a trick question)

Hey buddy, wanna sign up for a credit card?

OK, that wasn’t Citi’s come-on when it asked Jerry Mandel if he was interested in an affinity card that would help him collect American Airlines miles. But it probably should have been.
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