Charity Charge is Different
Everything you would expect from a Mastercard.
We deliver the ultimate giving back platform.
Choose any nonprofit or school to support.
Absolutely no cost to you, or your nonprofits of choice.
Doing Good – Feeling Good
Do good with every swipe.
There is nothing better than the feeling of giving back.
100% – No Rewards Lost For Any Reason
Zero rewards lost for any reason (expiring, closing the account, blackouts or just poor reward options) 100% of your donations are automatically donated to the charities of your choice.
No Donation Processing Fee
No donation processing fee to your charity. We don’t believe in breakage going back to the banks; instead creating more profits for your nonprofits.
Your donations are tax deductible¹ and we create instant automated paperwork for you.
Get unlimited 1% Cash Back² donations on every purchase with no limit on how much you can earn for your charity.
Change your charity of choice whenever you want. You can even choose to fund up to 3 different nonprofits at the same time and you’ll see the impact of your Cash Back² donations.
Add your Charity Charge Card to your mobile wallet. Compatible with Apple Pay®, Samsung Pay™, Google Pay™, Garmin Pay™, and Fitbit Pay™. Easily pay with your phone wherever Mastercard® is accepted.
Add an authorized user to your account.
Pick your own monthly due date and payment methods, check or online.
Apps and Digital services
Use the Commerce Bank mobile app to make payments, manage your account, and more.
Security and Account Alerts³
You can get personalized emails or text messages to stay on top of your account and receive alerts when there is suspicious activity on your card.
Mastercard® ID Theft Protection™⁴
No extra cost to access services to help detect and resolve identity theft.
Zero Liability Coverage⁵
You’re covered by $0 Fraud Liability if your card is ever lost or stolen.
Temporarily Lock Your Card³
Commerce Bank allows you to temporarily lock your credit card until you find it, eliminating the need to cancel and order a new card when you’ve only misplaced it.
Free FICO Score⁶
View your FICO Score for free on your monthly statements.
Travel and Retail
If you find a lower price for an eligible new item within 120 days from the date of purchase using your Charity Charge World Mastercard®, you may be reimbursed for the price difference.
You get additional warranty protection at no charge on items that are purchased with your Charity Charge credit card.
Order from 140+ online stores using ShopRunner and receive unlimited free two-day shipping and return shipping on purchases.
Choose from 2,500+ high-end rentals in London, Paris, Rome, New York, Los Angeles, Miami and San Francisco with onefinestay. Cardholders receive a 10% discount on all bookings.
The World Mastercard® comes with a complimentary 24/7 concierge service that acts like a personal assistant. Call the number on the back of your card to contact the concierge.
World Mastercard® luxury travel benefits³
Wherever your destination, your World Mastercard is the one card that can guarantee the best price on travel services, from flight to hotels to cruises.
A Genuine Zero Cost Card
No annual fee˜ – first year, or any year.
Purchase Rates – APR
Prime Rate plus 6.99% to 16.99%˜ based on your creditworthiness when you open your account. After that, APR will vary with market based on Prime Rate.
Focused on people with Average to Excellent credit.
Balance Transfer Fees
Either $10 or 5% of the amount of the Balance Transfer, whichever is greater.
Late Payment Fee
Up to $37
Foreign Transaction Fees
1% of each transaction in U.S. Dollars. 2% of each transaction made in currencies other than U.S. Dollars.
- Charity Charge represents that your 1% cash back donation is tax deductible.
- A Cash Back redemption is applied as a charitable contribution to the organization(s) of your choosing and will be automatically processed once the minimum criteria has been met. PLEASE REFER TO WWW.COMMERCEBANK.COM/CHARITYTERMS FOR COMPLETE TERMS AND CONDITIONS OF THE CHARITY CHARGE REWARDS PROGRAM.
- Must be enrolled in Online Banking to use these features.
- Certain terms, conditions and exclusions apply. See World Mastercard Guide to Benefits for details.
- Customer must notify Commerce Bank within 60 days of receiving statement with unauthorized account activity.
- FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.