They might be a good deal for donors, but there still are a lot of questions to ask.

By Kimberly Seville

But there’s also a downside. Credit card companies reserve the right to change the terms at any time. As the stack of affinity card DISCLOSURE SUMMARY documents outline, “Account and Agreement terms are not guaranteed for any period of time; all terms, including the APRs and fees, may change in accordance with the Agreement and applicable law. We may change them based on information in your credit report, market conditions, business strategies, or for any reason.”