CHARITY CREDIT CARDS

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Earn donations for charity each time you spend money with charity credit cards. Feeling virtuous doesn't cost you anything either, as you won't be charged for the donations made from your transactions - these are paid by the bank or building society that issues the charity credit cards. When reviewing the cards, you can choose which charity, or charities (as many cards split donations between several charities), you wish to donate to. Don't forget to weigh up the rates, fees, rewards and benefits applicable to all credit cards. Which Way to Pay compares charity credit cards, so you can make sure that you and your chosen good cause get the best deal possible. Before you apply make sure you read the terms and conditions thoroughly.

If you wish to speak to someone: Contact Us or Enquiry Line: +44 (0) 207 386 5300

CARD NAMEISSUER

ISSUER

Card issuer

REPRESENTATIVE APR

REPRESENTATIVE APR

A Representative APR is a financial service concept in which interest rates quoted through advertising media is required to take into account all charges associated with a product, in addition to the interest rate

BALANCE TRANSFER RATE

BALANCE TRANSFER RATE

A credit card balance transfer is the transfer of the balance (the money) in a credit card account to an account held at another credit card company

BALANCE TRANSFER RATE

BALANCE TRANSFER RATE

The time period over which you can transfer your balance at a special rate

PURCHASE RATE

PURCHASE RATE

A purchase rate is the interest rate charged on regular purchases put on a credit card. It differs from a cash advance rate in that it is lower because banks and issuers view regular purchases as less risky

PURCHASE PERIOD

PURCHASE PERIOD

Period of time in which there is a special offer on the purchase rate

CREDIT LIMIT

CREDIT LIMIT

The limit of credit offered to you by the credit card provider

CASHBACK

CASHBACK

Is cashback available on purchases

MORE INFO

The British Heart Foundation Credit Card
The British Heart Foundation Credit Card

Mastercard16.9%
Representative Example

Representative Example

Assumed borrowing of £1,200; Representative 16.9% APR (variable); Standard interest rate for purchases: 16.9% p.a. (variable)
Address: MBNA, Stansfield House, Chester Business Park, Chester CH4 9QQ

0%12 Months0%3 Months£999.00NoThe British Heart Foundation Credit Card
Take credit for helping to save lives with the British Heart Foundation charity credit card.  For every new account that is first used, £7.50 is received by the British Heart Foundation.  In addition, they will receive 35p for every £100 you spend on purchases with the card.  Other benefits include 0% on balance and money transfers (3% handling fee) for the first 12 months. DETAIL INFORMATION >>Acceptance Criteria

Acceptance Criteria

You must be over 18 with a bank account and good credit history.


Advantages

Advantages

£7.50 goes straight to the BHF on first card use
35p donated for every £100 spent thereafter
Zero on balance transfers for 12 months (3% handling fee) and zero on purchases for 3 months
 


Disadvantages

Disadvantages

Typical rate 16.9% APR (variable) but this is to be expected
Handling fee applies to free balance transfer period
Cash advance fee is 27.9%
Balance transfers at 17.9% rate after initial free period
 

If you wish to speak to someone: Contact Us or Enquiry Line: +44 (0) 207 386 5300

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Compare Charity Credit Cards

Donate to your favourite charity on every purchase with a Charity Credit Card.

What is a Charity Credit Card?

Charity credit cards allow you to donate money to your favourite charity. Every time you use the card a percentage of the amount you spend is sent to the charity. As the donation is automatic it has never been easier to support a good cause. It will also not cost you extra to donate as it is given to the card issuer everything you spend on the card.

The more you spend the bigger the donation. Some cards also make a one-off donation to the charity when you apply for the card.

There are a wide range of charities that you can support with a charity credit card.

What are the drawbacks?

The interest rates on these cards can be considerably higher than other types of cards. To avoid having to deal with debts and damaging your credit rating you should only consider a charity credit card if you are sure that you can pay off your balance in full each month. If you borrow money on the card, the interest charges will outweigh the charitable donations.

Some would argue that the donations made through these cards are too small and in some cases the charity may be unable to claim any tax back through Gift Aid.

Finding the right card

The right card depends on your finances and what charity you want to support. Make sure you take the time to research the market to find the right card for you. Remember charity credit cards are still credit cards and so there are risks involved. You need to be responsible and make your credit card repayments on time.

Use the table above to compare different charity credit cards.

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Charity Credit Card Reviews

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CHARITY CREDIT CARDS - LATEST NEWS News and Charts

Find the right credit card for you

24 April 2013
Mark Maffia

There are various types of credit cards to choose from but which is the right one for you?

READ ARTICLE

Donate to Charity For Free

03 August 2011
Which Way to Pay

It may sound like a trick, but with charity credit cards, you can actually donate to charity without spending a penny. Similar to a rewards credit card, with each transaction you make with the charity credit card, the bank or building society that issues your card will make the donations for you.

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Support your Charity without changing spending habits

23 September 2009
Mark Maffia (Which Way To Pay)

Despite the recent recession, UK households are still keen givers. Charities are all-important to many Brits but sometimes it’s hard to know where to start.

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Charity Credit Cards

27 March 2008
Which Way To Pay

Do you take an active interest in a particular charity, organisation or ethical cause? Many of us do, and the support we give; be it large or small, occasionally or frequently, is always gratefully received by these worthwhile causes.

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