Is the Charity Charge World Mastercard worth it? September 2018 |

Review: Charity Charge World Mastercard® – September 2018

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Earn 1% cash back that’s automatically donated to nonprofits of your choice.

30-seconds take

  • Get this card if you want an easy way to donate your rewards to charity.
  • Pick something else if you want more powerful cash back.
  • Apply with a fair credit score of 620 or higher.
Product NameCharity Charge World Mastercard®
Card TypeMastercard
Annual Fee$0
APR (Annual Percentage Rate) for Purchases11.99% to 21.99% variable
Introductory Purchase APR1.99% for the first 6 months (then 11.99% to 21.99% variable)
Introductory Balance Transfer APR 1.99% for the first 6 billing cycles (then 11.99% to 21.99% variable)
Balance Transfer Fee$10 or 5% of the transaction, whichever is greater
Cash Advance Rate26.99% variable
Cash Advance Fee$10 or 5% of the cash advance amount, whichever is greater
Foreign Transaction Fee2% of the transaction value
Interest Free PeriodUp to 25 days
Minimum Interest$2.5
Late Payment FeeUp to $37
Additional Cardholder Fee$0
Minimum Age18 years of age
Reward Value per Dollar1% cash back
Rewards Points ExpiryNever

The basics

The Charity Charge World Mastercard® has a simple but powerful premise: It donates your credit card rewards automatically to up to three nonprofits of your choice. This unique, socially conscious perk differentiates this card from competitors. Aside from choosing your charities, you don’t have to lift a finger to donate. And the cool thing is — you can see your donations from an online dashboard, learning how your money is making an impact.

With this card, doing good won’t cost you anything as there’s no annual fee for the card and Charity Charge World Mastercard® pays for any donation processing fees. Plus, your donations are tax-deductible.

The perks

  • Donate your cash back.

    Earn unlimited 1% cash back on your purchases, all of which is automatically donated to a charity that you pick. You can support up to three causes, and you can change 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 six months following your account opening. After that, a variable APR of 11.74% to 21.74% will apply. 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.

What kind of nonprofits can I support?

You can support up to three nonprofits, K-12 schools, universities or religious organizations.

  • If you support one nonprofit, it will get 100% of the 1% cash back.
  • If you support two nonprofits, each will get 50% of the 1% cash back.
  • If you support three nonprofits, each will get 33% of the 1% cash back.

You’ll also like …

  • World Mastercard® benefits.

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

  • Mastercard travel and lifestyle.

    Call 1-855-802-1387 to get complimentary professional travel service to help you plan your trip. Get complimentary room upgrades, daily breakfast and other cool perks with Mastercard Luxury Hotel and Resorts Portfolio. With Mastercard airport concierge you can arrange personal escort at over 700 destinations worldwide.

  • Discounts at OneFineStay.

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

  • Card security.

    Get notifications via email or text in case of 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 the due date, you’ll pay a penalty APR of 28.99% variable. To revert the rate back, you’ll need to make six consecutive on-time and payments of at least the minimum amount due.

  • Potentially high APR.

    The card’s APR spans from 11.99% to 21.99% variable . If you have a weaker credit history, you may be given an interest rate toward the higher end of that range.

  • Foreign transaction fees.

    When you travel abroad, you’ll pay 1% fee for transactions made in dollars and 2% fee for 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 would cost you $250 in fees. That’s relatively high, considering most cards have a balance transfer fee of either $5 or 3% of the transaction, whichever is greater.

Consider other cards if …

  • You want cash back.

    The Blue Cash Preferred® Card offers one of the highest cashback rates on groceries of 6% up to $6,000 per year and 1% after that, 3% cash back at US gas stations and select US department stores and 1% on everything else.

    If you want higher cash back on all purchases, the PenFed Power Cash Rewards Visa Signature® card where you get 1.5% back on all purchases — 2% back if you’re PenFed Honors Advantage member — could be a better choice. A similar card is the Citi® Double Cash Card, which also lets you also earn unlimited 1% cash back when you pay your balance.

  • You want a low APR.

    Consider the Barclaycard Ring™ Mastercard®, which has one of the lowest APRs on balance transfers and purchases when compared to other cards of 13.74%. Additionally, you get a long intro APR period on balance transfers.

  • You want intro APR period.

    The Citi Simplicity® Card offers one of the longest 0% intro APR periods on balance transfers and purchases of 18 months following your account opening. A variable APR of 15.74% to 25.74% applies thereafter. This could be an ideal card if you want to make a large purchase and carry your balance without interest, or if you want to transfer your balance from another card with a high APR.

Compare other cash back cards

Updated September 26th, 2018
Name Product Annual Fee APR for Purchases (Purchase Rate) Intro APR for Balance Transfer
14.74%, 18.74% or 24.74% variable
0% for the first 15 months (then 14.74%, 18.74% or 24.74% variable)
Earn unlimited 1.5% cash rewards on purchases. See Rates and Fees
$0 to $99
19.74% to 25.74% variable
Get 1% cash back rewards on eligible purchase, terms apply.
14.74% to 25.74% variable
0% for the first 15 months (then 14.74% to 25.74% variable)
Snag a $150 bonus statement credit after you spend $1,000 in the first 3 months
14.74% to 25.74% variable
0% for the first 12 months (then 14.74% to 25.74% variable)
Earn $200 bonus cash back after you spend $1,000 in the first 3 months
15.24% to 25.24% variable
0% for the first 18 months (then 15.24% to 25.24% variable)
Earn 1% cash back for payments on purchases, on top of the 1% cash back on purchases. No annual fee.
14.99% to 24.99% variable
0% for the first 12 statement closing dates (then 14.99% to 24.99% variable)
Earn more cash back for the things you buy most.
16.74%, 22.49% or 25.49% variable
Get 4 points back on dining, 3 on travel, 2 on Uber rides and online shopping and 1 on other purchases, and redeem points for Uber credits, gift cards or cash back.

Compare up to 4 providers

How does a balance transfer work with this card?

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

For each transfer, you’ll pay a fee of $10 or 5% of the transaction, whichever is greater , which means you’ll pay $250 for a $5,000 balance transfer. That’s relatively high when compared to other cards where the fee is $5 or 3% of the transaction, whichever is greater. The same $5,000 balance transfer would cost you $150 in fees — a whole $100 less.

Know that it can take up to 30 days for the balance transfers to post on your account.

What should I know before I apply?

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

You’ll need to provide information such as:

  • Your full name and contact information.
  • Your employment information including work phone number.
  • Your financial and housing information.
  • Name of the nearest relative not living with you.

While you fill out your application, you can add a co-applicant, 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 620 or higher. Your odds improve significantly if you apply with a good to excellent score of 680 or higher.

Commerce Bank pulls your credit from TransUnion.

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

Most customers 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, but it hasn’t been accredited.

How to apply for the Charity Charge World Mastercard®

  1. Go to the Charity Charge website 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.

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

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.

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 $37. Balance transfers and cash advances also come with fees.
  • Contact customer service. If you have questions, contact Commerce Bank support at 1-800-645-2103.

Bottom line

Charity Charge World Mastercard® doesn’t offer the strongest cash back. But for many people, it offers something better: The opportunity to support great charities around the world. The card conveniently forwards your cash back to the nonprofits of your choice — a rare benefit that separates it from the competition.

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

Frequently asked questions

Images: Charity Charge

Kevin Joey Chen

Kevin Chen is a world-travelin', copy-writin', Game of Thrones-watchin' credit cards writer for When he's not crunching the numbers on bonus points and comparing APRs, you can find him flying around the world in search of the perfect beer.

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