Charity Charge World Mastercard® Credit Card review

How to apply for the Charity Charge World Mastercard® Credit Card

1. Go to the provider's site and click Apply now.
2. Search for a nonprofit to donate your rewards to. After you receive your card, you can choose two more nonprofits.
3. Complete the application with the required details.
4. Review and submit your application.

• See screenshots of the application form

  

  

  

How long will it take to get my Charity Charge World Mastercard® Credit Card?

A decision on your application can be reached in under a minute thanks to automated preapproval on the website. If more information is needed, it may take one to two weeks to hear back. Once you’re approved, your card should arrive in the mail within 7 to 10 business days.

The perks

• Donate your cash back.

  Earn unlimited 1% cash back on your purchases, and automatically donate it to a charity you pick. You can support up to three causes, changing them whenever you want. Because 100% of your rewards go to charity, your donations are also tax-deductible.

• Intro APR period.

  Enjoy a 1.99% variable intro APR period on balance transfers and purchases for the first 6 monthly billing cycles your account is open. After that, a variable APR of 16.24% to 26.74% variable applies. Other cards offer 0% intro APR periods that can last up to 18 months.

• No annual fee.

  No annual fee helps you save money while you support charities around the world.

You’ll also like …

• World Mastercard® benefits.

  Among Mastercard’s many perks are identity theft protection, extended warranties, price protection, $0 fraud liability and Mastercard Global Service to help out when you lose your card.

• Mastercard travel and lifestyle.

  Call 855-802-1387 for complimentary professional travel services that can help you plan your trip. Get complimentary room upgrades, daily breakfast and other cool perks in the Mastercard Luxury Hotel and Resorts Portfolio. With Mastercard airport concierge, you can arrange for a personal escort at more than 700 destinations worldwide.

• Discounts at OneFineStay.

  Get 10% off all bookings through OneFineStay, a service that rents high-end and luxury vacation homes.

• Card security.

  Get email or text notifications if the provider sees suspicious activity, or temporarily lock your card if you lose it.

What to watch out for

• Penalty APR.

  If you don’t make the minimum payment within 60 days of your due date, you’ll pay a penalty APR of 28.74% fixed. To revert the rate, you must pay at least your statement’s minimum on time for six consecutive statements.

• Potentially high APR.

  The card’s APR spans ranges from 16.24% to 26.74% variable. If you have poor credit, you may receive an interest rate at the higher end of that range.

• Foreign transaction fees.

  When you travel abroad, you’ll pay a fee equal to 1% fee for transactions made in dollars and 2% of transactions made in foreign currencies.

• High balance transfer fees.

  You’ll pay either $10 or 5% of the transaction, whichever is greater. This means a $5,000 balance transfer will cost you $250 in fees. That’s relatively high, considering most cards charge the greater of either $5 or 3% of the transaction.

Compare cashback credit cards

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Name	Product	Filter values	Rewards	Purchase APR	Annual fee
Blue Cash Preferred® Card from American Express			6% on select US streaming services, 3% on transit and US gas stations, 6% at US supermarkets on up to $6,000 annually, then 1% after that and on all other purchases (redeem as statement credit)	0% intro for the first 12 months (then 13.99% to 23.99% variable)	$0 intro annual fee for the first year ($95 thereafter)	Apply now View details	Earn up to $350. In your first 6 months, you can earn a $150 statement credit when you spend $3,000, and earn 20% back on Amazon purchases made with your card, up to $200 total. Having 6 months to earn a welcome offer is a rare benefit as most cards give you only 3. Terms apply, see rates & fees	Compare	loading Fetching your data...
Blue Cash Everyday® Card from American Express			3% at US supermarkets on up to $6,000 per year (then 1%), 2% at US gas stations and select US department stores and 1% on all other purchases (redeem as statement credit)	0% intro for the first 15 months (then 13.99% to 23.99% variable)	$0	Apply now View details	Earn up to $250. You'll get 20% back on Amazon.com purchases in the first six months for up to $150 back, and $100 after you spend $2,000 in the first six months. This is a higher-than-average welcome offer for a card with no annual fee. Terms apply, see rates & fees	Compare	loading Fetching your data...
Citi Custom Cash℠ Card			5% cash back on purchases in your top eligible spend category each billing cycle on up to the first $500 spent, then 1% cash back thereafter and on all other purchases	0% intro for the first 15 months (then 13.99% to 23.99% variable)	$0	Apply now View details	A new cashback card that automatically awards 5% to your highest eligible spending category each billing cycle, on up to $500 (then 1%).	Compare	loading Fetching your data...

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How does a balance transfer work with this card?

Transfer balances, including fees, up to your credit limit or $15,000, whichever is lower. Note that you can only transfer balances from accounts outside of Commerce Bank.

For each transfer, you’ll pay a fee of $10 or 5% of the transaction, whichever is greater. That’s a relatively high fee when compared with other cards offering a fee of the higher of $5 or 3% of the transaction. That lower fee could save you $100 on a $5,000 balance transfer.

Know that it can take up to 30 days for transferred balances to post on your account.

What should I know before I apply?

To apply for the Charity Charge World Mastercard® Credit Card, you must be at least 18 years old and a US resident.

You’ll need to provide such information as:

While you fill out your application, you can add a coapplicant, request a balance transfer, request access to a savings or checking account or add overdraft protection.

What credit score do I need?

Apply with at least a fair credit score of 670 or higher. Your odds improve significantly if you apply with a good to excellent score of 680 or higher.

Commerce Bank pulls your credit history from TransUnion.

What do customers say about the Charity Charge World Mastercard® Credit Card?

Most customers say they love the option to donate money on everyday spending. However, some customers think the cash back is too low.

Commerce Bank is rated A+ by the Better Business Bureau, which does not accredit the bank.

I got the card. Now what?

• Download the Commerce Bank app. Use it to pay your bills, transfer funds, manage your account and more.
• Add your card to your mobile wallet. The card is compatible with Apple Pay, Samsung Pay, Google Pay, Garmin Pay and Fitbit Pay.
• Personalize your payment. You can pick your due date and your payment method.
• Avoid interest. Your grace period is 25 days after the end of your billing statement period. Pay on time to avoid interest on your purchases.
• Avoid fees. Late payments come with fees of up to $40. Balance transfers and cash advances also come with fees.
• Contact customer service. If you have questions, contact Commerce Bank support at 800-645-2103.

Bottom line

If you’re not convinced that this is the right card for you, compare your options in our guide to credit cards.

Frequently asked questions

• Does the card have a signup bonus?
  No, the card has no signup bonus.
• Does the card have an annual fee?
  No, the card has no annual fee.
• Does my cash back ever expire?
  No. Charity Charge automatically donates your cash back as soon as you use your card.
• How does Charity Charge find my chosen nonprofit?
  Charity Charge partners with GuideStar, a nonprofit database that lists every registered 501(c)(3) in the United States.
• Is Charity Charge a for-profit business?
  Yes. It makes money by collecting fees from its banking partner when new customers sign up. It also generates revenue from merchant processing fees when customers make purchases.

Images: Charity Charge