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Make A Difference With Every Purchase

  • No Annual Fee
  • Tax Deductible²
  • Low Interest Rate

How It Works

Search for any nonprofit of your choice and apply for your card.

Your card arrives by mail and is tagged in our system to automatically donate the Cash Back¹ you earn to your chosen nonprofit(s).

Your everyday purchases automatically generate donations at no cost to you.

An easy and effortless way to make a difference at no cost to you.

Every purchase you make automatically donates your cash back to the nonprofit(s) of your choice.

Use your card around the world wherever MasterCard® is accepted.

Get Started By Searching For Your Favorite Nonprofit

Our system automatically includes every nonprofit & school, so you’ll be sure to find yours.

SEARCH:

Premium Credit Card Benefits & Features

Extended Warranty

Extended warranty doubles the original manufacturer’s warranty.

Liability Coverage

You’re not responsible in the event that someone makes unauthorized purchases on your card.

ID Theft Protection

Free services to help you detect and resolve identity theft.

Price Protection

Should you find a lower price for an eligible new item within 120 days from the date of purchase you may be reimbursed for the price difference.
Tax Deductible

Tax Deductible

We automatically donate your cash back and provide you with a detailed tax receipt.
Low Interest Rate

Low Interest Rate

Our interest rate is below the national average and ranges from 11.49% to 21.49%.
Improve Your Credit Score

Improve Your Credit Score

Applying for a credit card will likely help your credit score as it decreases your credit utilization rate. learn more

Track Your Donations

Easily track your donations through your donation dashboard, plus access a detailed tax receipt.

Fund Up to Three Nonprofits at the Same Time.

When you apply for your card you’ll pick one nonprofit to support.
Once you receive your card you gain access to your Donation Dashboard and can select to fund up to two more nonprofits.
You can change your nonprofits at any time.

Charity Charge is a Public Benefit Corporation based in Austin, Texas

Please consider getting a card of your own and joining a community of like minded people who believe in the importance of giving back and helping others.

Watch the video to learn more. 

What our cardholders are saying!

Get Started By Searching For Your Favorite Nonprofit

Our system automatically includes every nonprofit & school, so you’ll be sure to find yours.

SEARCH:

Frequently Asked Questions

Is this a credit card?
Yes, the Charity Charge World MasterCard is issued by our banking partner Commerce Bank, founded over 150 years ago and ranked by Moody’s as one of the top 7 banks in the country for their credit strength. It can be used around the world wherever MasterCard is accepted.

What’s the interest rate?
Our interest rate is below the national average. Depending on credit worthiness cardholders will receive an interest rate of 11.49% to 21.49%.

Will adding a new credit card hurt my credit score?
It’s a common myth that getting a new credit card will hurt your credit score. However, it will likely increase your credit score by decreasing your credit utilization rate.  Learn more about this.

Can I fund more than one nonprofit? 
Yes, you can support up to 3 nonprofits, K-12 schools, universities, or religious organizations at a time. Your donation will be split equally between the nonprofits you choose.  Once you’re approved for your card you will get access to your donation dashboard where you can choose additional nonprofits to support.

How can my nonprofit get in touch with you to partner?
We’d love to partner with your nonprofit.  Since we work with GuideStar, our system includes support for any nonprofit of any size much like Amazon Smile.  To get in touch simply head to our nonprofit partnership page to learn more.

View more Frequently Asked Questions

Featured on The Today Show and many other news outlets.


Thank you for reading this far.

“Always do the right thing” were the words my dad shared with me from childhood until his death from cancer when I was in college. Charity Charge is my way to give back as well as a vehicle for others like you who care to do the same. Read my story.

Stephen Garten
Founder & CEO, Charity Charge

Add the joy of a giving credit card to your wallet!

Application only takes a few minutes.

The Charity Charge World MasterCard® is issued in partnership with Commerce Bank.

For more information or if you prefer to sign up over the phone call Commerce Bank at 1-800-725-0512.

Get personal finance tips & learn about great nonprofits on our blog.

A world-changing movement requires world class partners

Small Print

Learn more about our rates, fees, and other financial information on Commerce Bank’s website.

Disclosures

  1. 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.
  2. Charity Charge represents that your 1% cash back donation is tax deductible.
  3. “Net Merchandise Purchases” means purchases of merchandise or services on the Account, less any returned merchandise credits or service credits posted to the Account. Net Merchandise Purchases does not include Cash Advances, Balance Transfers or transactions using Convenience Checks or any associated fees, finance charges, traveler’s checks, money orders or associated fees, money transfers or other fees, gaming chips, or fees or premiums for coverage or insurance to protect the balances of an Accountholder’s Account. Questions concerning eligible transactions and what constitutes Net Merchandise Purchases will be determined in the sole discretion of Commerce.
  4. Customer must notify Commerce Bank within 60 days of receiving the first statement with unauthorized activity. For specific restrictions, limitations and other details, please consult Commerce Bank.
  5. Certain terms, conditions and exclusions apply.  See World Mastercard Guide to Benefits for details.  
  6. FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.
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