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Up to 1%
Cash back
$0
Annual fee
1.99%
Intro Purchase APR
for the first 6 monthly billing cycles (then 16.24% to 22.24% variable)
1.99%
Intro Balance Transfer
for the first 6 monthly billing cycles (then 16.24% to 22.24% variable)
| Product Name | Charity Charge World Mastercard® Credit Card |
|---|---|
| Card type | Mastercard |
| Annual fee | $0 |
| Purchase APR | 1.99% intro for the first 6 monthly billing cycles (then 16.24% to 22.24% variable) |
| Balance transfer APR | 1.99% intro for the first 6 monthly billing cycles (then 16.24% to 22.24% variable) |
| Balance transfer fee | $10 or 5% of the transaction, whichever is greater |
| Cash advance rate | 27.24% variable |
| Cash advance fee | $10 or 5% of the cash advance amount, whichever is greater |
| Penalty APR | 27.24% fixed |
| Foreign transaction fee | 2% of the transaction value |
| Interest free period | Up to 25 days |
| Late payment fee | Up to $37 |
| Additional cardholder fee | $0 |
Review by
Kevin Joey Chen is a credit cards, banking and investments writer who has written nearly 500 Finder articles. He's passionate about helping you get your finances in order and expertly navigate the cutting-edge financial tools available -- including credit cards, apps and budgeting software.
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.
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 22.24% variable applies. Other cards offer 0% intro APR periods that can last up to 18 months.
No annual fee helps you save money while you support charities around the world.
The cash back you earn is unlimited and at a flat rate, which makes calculating the total fairly straight forward. Supposing you spend around $15,000 annually with the card, that’s $150 donated to a charity of your choice.
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.
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.
Get 10% off all bookings through OneFineStay, a service that rents high-end and luxury vacation homes.
Get email or text notifications if the provider sees suspicious activity, or temporarily lock your card if you lose it.
You can support up to three nonprofits, K–12 schools, universities or religious organizations.
If you don’t make the minimum payment within 60 days of your due date, you’ll pay a penalty APR of 27.24% fixed . To revert the rate, you must pay at least your statement’s minimum on time for six consecutive statements.
The card’s APR spans ranges from 16.24% to 22.24% variable . If you have poor credit, you may receive an interest rate at the higher end of that range.
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.
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.
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.
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.
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.
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.
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.
You can select up to three charities to receive your cash back. Simply log in to your Charity Charge account and select the charities you want from your donation dashboard.
Your accumulated cash back is sent to charities every quarter that the total earned is $10 or more. If your cash back doesn’t reach $10 in a quarter, the amount isn’t lost — it’s simply sent when the total accumulated reaches the required minimum. The charities receive money by check from Network for Good, the company that processes your donations.
If you’re not convinced that this is the right card for you, compare your options in our guide to credit cards.
Images: Charity Charge
