Charity & Worthy Causes Credit Cards
Charity and Worthy Causes Credit Cards – it’s a straightforward concept, support your favourite charity as a by product of spending money on your credit card.
Most of these cards make a small donation to the nominated charity when you’re accepted for the card, and then they commit to paying over a percentage of your annual spend as well. Some then also pay a fixed amount per annum for every year you keep and use the card.
Card
Introductory Offer
Balance Transfer Fee
Representative APR (Variable)
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Breakthrough Breast Cancer Credit Card | 0% for 12 months on balance transfers & 3 months on purchases | 3%, min £3 | 16.9% APR |
Key points
View card rates
0% for 12 months on balance transfers
0% for 12 months on money transfers
0% for 3 months on new purchases
Donations to Breakthrough Breast Cancer
No transfers from MBNA or Virgin cards
0% for 12 months on balance transfers 0% for 12 months on money transfers 0% for 3 months on new purchases Donations to Breakthrough Breast Cancer No transfers from MBNA or Virgin cardsKey Selling Point
Good all round card with charitable donations.
ATM £ Cash Charge
3% min. £3
Surcharge on Overseas Transactions
2.99%
ATM £ Cash Charge Abroad
3%
Minimum Repayment Amount
£25
Minimum Repayment Percentage
1%
Recommended Minimum Age
23
Recommended Minimum Income
£20,000
Annual interest rate on purchases
16.9% to 24.9%
Annual rate on balance transfers
18.9% to 26.9%
Annual interest rate on cash advances
27.9% p.a.
Credit rating needed
Good
Representative example: 16.9% p.a. (variable) on card purchases. Equivalent to 16.9% APR representative (variable) based on a credit limit of £1,200.
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Dogs Trust Credit Card | 0% on balance transfers for 12 months & 0% on card purchases for 3 months | 3% | 16.9% APR |
Key points
View card rates
0% for 12 months on balance transfers
0% for 12 months on money transfers
0% for 3 months on new purchases
Donations to Dogs Trust
No transfers from MBNA or Virgin cards
0% for 12 months on balance transfers 0% for 12 months on money transfers 0% for 3 months on new purchases Donations to Dogs Trust No transfers from MBNA or Virgin cardsKey Selling Point
Charitable donations to Dogs Trust, and a good all round card.
ATM £ Cash Charge
3% handling fee
Surcharge on Overseas Transactions
2.99%
ATM £ Cash Charge Abroad
3%
Minimum Repayment Amount
£25
Minimum Repayment Percentage
1%
Maximum Credit Limit
Subject to Status
Recommended Minimum Age
23
Recommended Minimum Income
£20,000
Annual Fee
No
Annual interest rate on purchases
16.9% to 24.9%
Annual rate on balance transfers
18.9% to 26.9%
Annual interest rate on cash advances
27.9% p.a.
Credit rating needed
Good
Representative example: 16.9% p.a. (variable) on card purchases. Equivalent to 16.9% APR representative (variable) based on a credit limit of £1,200.
 |
National Trust Credit Card | 0% for 12 months on balance transfers & 3 months on purchases | 3% | 16.9% APR |
Key points
View card rates
0% for 12 months on balance transfers
0% for 12 months on money transfers
0% for 3 months on new purchases
Donations to the National Trust
No transfers from MBNA or Virgin cards
0% for 12 months on balance transfers 0% for 12 months on money transfers 0% for 3 months on new purchases Donations to the National Trust No transfers from MBNA or Virgin cardsKey Selling Point
Kick back of credit card fees from the card issuer to the National Trust
ATM £ Cash Charge
3%
Surcharge on Overseas Transactions
2.99%
ATM £ Cash Charge Abroad
3%
Minimum Repayment Amount
£25
Minimum Repayment Percentage
1%
Recommended Minimum Age
23
Recommended Minimum Income
£20,000
Annual Fee
No
Annual interest rate on purchases
16.9% to 24.9%
Annual rate on balance transfers
18.9% to 26.9%
Annual interest rate on cash advances
27.9% p.a.
Credit rating needed
Good
Representative example: 16.9% p.a. (variable) on card purchases. Equivalent to 16.9% APR representative (variable) based on a credit limit of £1,200.
 |
RSPCA Credit Card | 0% for 12 months on balance transfers & 3 months on purchases | 3% | 16.9% APR |
Key points
View card rates
0% for 12 months on balance transfers
0% for 12 months on money transfers
0% for 3 months on new purchases
Donations to NSPCC
No transfers from MBNA or Virgin cards
0% for 12 months on balance transfers 0% for 12 months on money transfers 0% for 3 months on new purchases Donations to NSPCC No transfers from MBNA or Virgin cardsKey Selling Point
Charitable donations to NSPCC, and a good all round credit card
ATM £ Cash Charge
3%
Surcharge on Overseas Transactions
2.99%
ATM £ Cash Charge Abroad
3%
Minimum Repayment Amount
£25
Minimum Repayment Percentage
1%
Maximum Credit Limit
Subject to Status
Recommended Minimum Age
23
Recommended Minimum Income
£20,000
Annual Fee
No
Annual interest rate on purchases
16.9% to 24.9%
Annual rate on balance transfers
18.9% to 26.9%
Annual interest rate on cash advances
27.9% p.a.
Credit rating needed
Good
Representative example: 16.9% p.a. (variable) on card purchases. Equivalent to 16.9% APR representative (variable) based on a credit limit of £1,200.
 |
World Wildlife Fund Credit Card | 0% on balance transfers for 12 months & 0% on purchases for 3 months | 3% | 16.9% APR |
Key points
View card rates
0% for 12 months on balance transfers
0% for 12 months on money transfers
0% for 3 months on new purchases
Donations to World Wildlife Fund
No transfers from MBNA or Virgin cards
0% for 12 months on balance transfers 0% for 12 months on money transfers 0% for 3 months on new purchases Donations to World Wildlife Fund No transfers from MBNA or Virgin cardsKey Selling Point
Charitable donations to the World Wildlife Fund
Balance Transfer Limit £
£50,000
Cash Advances
Yes
ATM £ Cash Charge
3%
Surcharge on Overseas Transactions
2.99%
ATM £ Cash Charge Abroad
3%
Minimum Repayment Amount
£25
Minimum Repayment Percentage
1%
Recommended Minimum Age
23
Recommended Minimum Income
£20,000
Annual Fee
No
Annual interest rate on purchases
16.9% to 24.9%
Annual rate on balance transfers
18.9% to 26.9%
Annual interest rate on cash advances
27.95% p.a.
Credit rating needed
Good
Representative example: 16.9% p.a. (variable) on card purchases. Equivalent to 16.9% APR representative (variable) based on a credit limit of £1,200.
The financial efficiency of Charity Credit Cards, the interest rates and charges, doesn’t make them the best deal in the market if you regularly carry a balance on your card, and unfortunately currently the card issuers don’t donate a cut of their profits from the interest you’re paying on any outstanding balance!
Its nice to help worthy causes, but don’t take out the card for the sake of it. When you compare the options look at how much a year your chosen charity is likely to benefit by your spending profile.
