Charity Credit Cards

October 28, 2008

Many people in this day and age like to give money or make donations to charity, and even in the current financial climate where finances are strained for many households people still think about those less fortunate than themselves and try to offer as much in the way of financial support as they can. It can be difficult to decide what charity to support when there are so many worthy causes but most people have heir own favourite charity or a cause that is close to their hearts, which they make donations to.

The good news is that for those people that wish to contribute to a worthy cause and want to enjoy the ease, convenience, and flexibility of using a credit card, there are cards that will enable you to do this without any hassle. These days you will find a number of charity credit cards available, each of which supports a different charity or cause. By simply using your credit card in the usual way you can enjoy giving something back by way of charitable donations without having to actually do anything yourself.

For every pound you spend on your credit card the provider will donate a certain amount to the sponsored charity. You can choose from all sorts of charities from cancer support and research charities to animal charities and wildlife preservation. The amount donated per pound spent on the card is usually low, but it can add up quickly if you use your card regularly and spend a lot on it. The level of the donation per pound spent can vary from one card to another, so it is worth comparing different charity credit cards.

The good thing about charity credit cards is that you do not have to lift a finger in order to donate to your chosen charity, as it is all done on your behalf. All you have to do is spend as normal on your card. However, do bear in mind that the charity credit card may not be the best thing for those that do not pay off their balance in full each month. This is because you will often be charged hefty amounts of interest by the card provider if you spread your repayments, and this will outstrip any donation that is made to the charity. Instead, you may be better off getting a 0% purchase credit card for your own use and then making a separate donation yourself to your chosen charity simply by setting up a standing order or direct debit.

For those that do use their credit card on a regular basis and do pay their balance off in full each month these charity credit cards are a good way to make donations to a worthy cause. You may find that some credit card providers also offer a bonus donation to the charity such as a larger payment when the account is first opened.

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