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Which Charity Credit Cards Are Worthy Of Your Support?

Aug 17, 2007
Donating to good causes is a great way to help people who are less fortunate. People have always been able to help good causes by giving up their time or handing over cash. Now the process is even easier.

Many charities now have branded credit cards that enable consumers to donate to the charity every time they spend. These charity credit cards are backed by major UK banks. The Royal Bank of Scotland, Halifax and the Cooperative Bank all support several charity credit cards.

Learning About Charity Credit Cards

When consumers first sign up for a charity credit card, the issuing bank makes a donation to the relevant charity. This sum ranges from 5 to more than 40. The actual sum donated will depend on the terms of the particular credit card deal. If consumers keep and use the card, then card issuers usually make a second donation at the end of six months or a year.

Charity credit cards also give ongoing support to charities by paying a percentage of any spending on the card to the nominated charity. For example, most cards contribute 0.25% of spending to the charity. This means that 25 pence is donated to charity for every pound spent on the card. Some charity credit cards offer a donation of as much as 1%, so the amount given to charity increases to match. This is worth thinking about when deciding which charity credit card to go for.

What Causes Can I Support With Charity Credit Cards?

There are cards for almost every good cause. These include:

- Cancer charities such as Cancer Research UK and Breakthrough Breast Cancer Trust
- Children's charities such as the NSPCC, Great Ormond Street Hospital and Barnardos
- Animal charities such as the RSPCA and PDSA
- Aid agencies such as Christian Aid and Oxfam
- And many more.

To find out if the charity you want to support has a credit card, telephone them or visit their websites. There are also several credit card comparison sites to help consumers decided among the different credit card offers.

What Incentives Are There For Using Charity Credit Cards?

Charity credit cards offer the same incentives to new cardholders as other cards. This means that, depending on the offer, cardholders can benefit from:

- Low annual interest rates
- 0% balance transfer rates for a fixed period
- 0% interest on purchases for a fixed period
- other rewards and incentives.

Some credit card issuers may charge a one-off balance transfer fee. This should be considered when deciding on the right card.

As with all credit cards it is essential to make payments regularly and on time to avoid attracting any penalty fees.
Once people have selected the right charity card, making a donation is as simple as doing what they would do anyway. All they have to do is spend money in the usual places and their favourite charities will get the benefit.
About the Author
Joe Kenny writes for the Credit Card Guide, offering views on credit cards in the UK, visit them today for some great 0% balance transfer offers and start clearing credit card debt today.
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