Best Charity Credit Cards of November 2022

Compare 19 credit cards for charity on Myfin.us.

Best Credit Cards for Charity in November 2022

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Citi Double Cash best for Cash Back, No Annual Fee, Daily use

Double Cash Citi
Annual fee:
$0
Regular APR:
17.74% - 27.74% Variable
Our Rating:
4.55
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 2% Cash Back on every purchase with unlimited 1% Cash Back when you buy, plus an additional 1% as you pay for purchases.
  • Intro Offer:
    • $200 Cash Back after spending $1,500 on purchases in the first 6 months of account opening.
  • Balance Transfer APR:
    17.74% - 27.74% Variable
  • Issuer name:
    Citi
  • Details:

    The Citi® Double Cash Credit Card offers a few concrete ways in which you can better your financial situation, improve your credit card habits and enjoy cash back rewards without the fuss of tracking rotating categories.

    Earn 2% Cash Back on every purchase with unlimited 1% Cash Back when you buy, plus an additional 1% as you pay for purchases. For a limited time earn $200 cash back after spending $1,500 on purchases in the first 6 months of account opening.

    The Citi® Double Cash offers a 0% percent (for 18-months) introductory APR offer on balance transfers (17.74 percent to 27.74 percent variable APR after).

    The Citi Double Cash extends a myriad of security and fraud protections.

  • Pros:
    • Flat-rate Cash Back Rewards on Everything
    • High Rewards Rate
    • No annual fee
    • Attractive Intro APR on Balance Transfers
  • Cons:
    • Losing your 1% Cash-Back Is Pretty Easy
    • Foreign transaction fee
    • Balance Transfer Fee
  • Benefits:
    • Citi Entertainment;
    • 2% Cash Back on every purchase;
    • Fraud Protection;
    • The Lost Wallet Service;
    • $0 Liability for Unauthorized Charges.
Card detail

American Express Blue Cash Preferred best for Gas, Groceries, Streaming services, Daily use

Blue Cash Preferred® American Express
Annual fee:
$0 intro annual fee for the first year
$95 for the rest years
Regular APR:
17.74% - 28.74% Variable
Our Rating:
5
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 6% Cash Back at U.S. Supermarkets on up to $6,000 per year in purchases (then 1%).
    • 6% Cash Back on streaming (select U.S. streaming subscriptions).
    • 3% Cash Back on transit. Transit includes taxis, rideshare, parking, tolls, trains, buses, and more.
    • 3% Cash Back at U.S. Gas Stations.
    • 1% Cash Back on other purchases.
  • Intro Offer:
    • $250 Back after you spend $3,000 in purchases on the Card within the first 6 months of Card Membership. You will receive the $250 back in the form of a statement credit.
  • Purchase Intro APR:
    0% Introductory APR for the first 12 months from the date of account opening
  • Balance Transfer APR:
    17.74% - 28.74% Variable
  • Issuer name:
    American Express®
  • Details:

    The Blue Cash Preferred® Credit Card provides high rewards at U.S. supermarkets and U.S. gas stations, and for streaming services (select U.S. streaming subscriptions), and transit expenses. It has a $0 introductory annual fee for the first year, then $95.

    The Blue Cash Preferred® Credit Card from American Express® offers a 0% introductory APR promotion. You’ll pay no interest on purchases and balance transfers for 12 months and then an APR of 17.74% - 28.74% Variable. The Blue Cash Preferred Credit Card's Penalty APR is 29.99%.

    The Card also has 0% introductory plan fee on each purchase moved into a plan during the first 12 months after account opening. After that, your plan fee will be up to 1.33% of each purchase moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase and other factors.

    The Blue Cash Preferred® Credit Card has a welcome bonus where cardholders earn a $250 statement credit after spending $3,000 on the new card within the first six months of card membership.

  • Pros:
    • Excellent cashback bonuses
    • Generous intro APR on purchases
    • Great introductory bonuses
  • Cons:
    • Cashback cap
    • Annual fee
    • Foreign transaction fee
  • Benefits:
    • Earn $250 Back (in the form of a statement credit);
    • 6% Cash Back at U.S. Supermarkets on up to $6,000 per year in purchases (then 1%);
    • 6% Cash Back on streaming subscriptions;
    • 3% Cash Back on transit;
    • 3% Cash Back at U.S. Gas Stations;
    • 1% Cash Back on other purchases;
    • Extended warranty;
    • Fraud Protection;
    • Return Protection;
    • Car Rental Loss and Damage Insurance;
    • Global Assist® Hotline;
    • Pay It Plan It®;
    • American Express Experiences;
    • Terms Apply.
Card detail

Chase Freedom Flex℠ best for Cash Back, 0 APR, No Annual Fee, Daily use

Chase Freedom Flex℠
Annual fee:
$0
Regular APR:
17.24% - 25.99% Variable
Our Rating:
5
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 5% Cash Back on up to $1,500 on combined purchases in bonus categories each quarter you activate.
    • 5% Cash Back on travel purchased through Chase Ultimate Rewards.
    • 3% Cash Back on dining at restaurants, including takeout and eligible delivery services.
    • 3% Cash Back on drugstore purchases.
    • 1% Cash Back on all other purchases.
  • Intro Offer:
    • $200 Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.
    • 5% Cash Back on gas station purchases on up to $6,000 spent in the first year.
  • Purchase Intro APR:
    0% Intro APR for the first 15 months that your Account is open
  • Balance Transfer APR:
    17.24% - 25.99% Variable
  • Issuer name:
    Chase
  • Details:

    The Chase Freedom Flex card offers Cash Back in a wide variety of categories.

    You’ll earn 5% Cash Back on travel (through the Chase Ultimate Rewards travel service, and also for Lyft rides). Plus, earn 5% Cash Back on gas on up to $6,000 spent in the first year. You’ll also get 3% Cash Back on restaurant purchases, on drugstore purchases and 1% Cash Back on all other purchases.

    Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.

    The card offers a 15-month 0% annual percentage rate for purchases and balance transfers, after which the APR is 17.24% - 25.99% Variable. The card charges no annual fee but 5%, or a $5 minimum fee, on balance transfers.

  • Pros:
    • $200 sign-up bonus
    • High cash back rewards on quarterly rotating bonus categories
    • Decent cash back rewards on select spending categories
    • 0% intro APR on purchases
    • No annual fee
  • Cons:
    • Foreign transaction fee
    • Rotating spending categories require activation
    • No intro APR on balance transfers
  • Benefits:
    • 5% Cash Back on gas;
    • 5% Cash Back on up to $1,500 on combined purchases in bonus categories;
    • 5% Cash Back on travel purchased through Chase Ultimate Rewards;
    • 3% Cash Back on dining at restaurants, including takeout and eligible delivery services;
    • 3% Cash Back on drugstore purchases;
    • 1% Cash Back on all other purchases;
    • $200 Cash Back;
    • Zero Liability Protection;
    • Extended Warranty Protection;
    • Trip Cancellation/Interruption Insurance;
    • Cell Phone Protection;
    • Auto Rental Collision Damage Waiver;
    • Travel and Emergency Assistance Services.
Card detail

Chase Freedom Unlimited® best for Cash Back, 0 APR, No Annual Fee, Daily use

Chase Freedom Unlimited®
Annual fee:
$0
Regular APR:
17.24% - 25.99% Variable
Our Rating:
5
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 5% Cash Back on travel purchased through Chase Ultimate Rewards.
    • 3% Cash back on dining at restaurants, including takeout and eligible delivery services.
    • 3% Cash Back on drugstore purchases.
    • 1.5% Cash Back on all other purchases.
  • Intro Offer:
    • $200 Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.
    • 5% Cash Back on gas station purchases on up to $6,000 spent in the first year.
  • Purchase Intro APR:
    0% Intro APR for the first 15 months that your Account is open
  • Balance Transfer APR:
    17.24% - 25.99% Variable
  • Issuer name:
    Chase
  • Details:

    The Chase Freedom Unlimited® Credit Card offers 0% introductory APR period (17.24% to 25.99% Variable after that) and a sign-up bonus that’s worth far more than most Cash-Back cards offer — all for an annual fee of $0.

    The card offers 5% back on travel booked through Chase, 3% Cash Back on restaurants and drugstore purchases and 1.5% back on other purchases.

    Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening. And earn 5% cash back on gas station purchases on up to $6,000 spent in the first year.

  • Pros:
    • No Annual Fee
    • Generous rewards
    • 0% intro APR
    • Sign-up bonus
  • Cons:
    • Foreign Transaction Fee
  • Benefits:
    • Zero Liability Protection;
    • $200 intro bonus;
    • 5 percent Cash Back on all travel purchased via the Chase Ultimate Rewards portal;
    • 3 percent back on dining;
    • 3 percent back at drugstores;
    • 1.5 percent Cash Back on general purchases;
    • Auto Rental Collision Damage Waiver;
    • Trip Cancellation/Interruption Insurance;
    • Travel and Emergency Assistance Services;
    • 24/7 Fraud Protection;
    • Redeem for Cash Back;
    • Gift cards.
Card detail

American Express® Gold Card best for Cash Back

American Express® Gold Card
Annual fee:
$250 annually
Regular APR:
19.74% - 26.74% Variable
Our Rating:
3.13
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 4x Points on dining at restaurants worldwide, plus takeout and delivery in the U.S.
    • 4x Points on groceries at U.S. supermarkets on up to $25,000 in purchases per year.
    • 3x Points on flights.
    • 1x Points on other eligible purchases.
  • Intro Offer:
    • 60,000x Membership Rewards® Points after you spend $4,000 on purchases on your new Card in your first 6 months of Card Membership.
  • Purchase Intro APR:
    0% Introductory APR for the first 6 months from the date of account opening
  • Issuer name:
    American Express®
  • Details:

    The American Express® Gold Credit Card's annual fee is $250. The card offers 4x points on dining (at restaurants worldwide, plus takeout and delivery in the U.S.) and groceries (at U.S. supermarkets on up to $25,000 in purchases per year), 3x on flights and 1x on all other purchases.

    The Card has a 0% introductory APR period for 6 months on purchases. After that, the variable APR is 19.74% - 26.74%.

    As a new cardholder, you have the chance to earn an impressive 60,000 Membership Rewards Points after spending $4,000 in purchases within your first six months. New cardholders will also have the chance to obtain the alternate Rose Gold art.

    There are no foreign transaction fees with this travel card.

    Add your Gold Credit Card to your Uber account, and you’ll automatically get $10 in Uber Cash each month, for a total of up to $120 per year. You can use your monthly Uber Cash on Uber Eats orders or Uber rides in the U.S.

    Dining from the comfort of your home can save you up to $120 annually. Earn up to $10 in statement credits monthly when you pay with the Gold Credit Card at Grubhub, Seamless, Boxed and other participating partners. Enrollment required.

    By booking two consecutive nights or more through the American Express Travel portal at any of 600+ eligible properties with your card, you can receive up to a $100 hotel credit in addition to a possible room upgrade if eligible. The expenses that this credit can cover varies by property, but you can expect money back on qualifying dining, spa services, resort activities and things of that nature.

  • Pros:
    • High rewards rate for select categories
    • Introductory Bonus Points
    • No Foreign Transaction Fee
    • UberCash Credit
    • $120 Dining Credit
  • Cons:
    • Complicated Rewards System
    • High Annual Fee
    • Limited International Acceptance
    • Relatively High Credit Score Requirements
    • Balance transfers are not available
  • Benefits:
    • Up to $120 Uber Cash to Dine or Ride;
    • $100 hotel credit with The Hotel Collection;
    • 60,000 Membership Rewards® Points;
    • 4x Membership Rewards® Points on dining at restaurants;
    • 4x Membership Rewards® Points on groceries at U.S. supermarkets;
    • 3x Membership Rewards® Points on flights;
    • 1x Membership Rewards® Points on all other purchases;
    • Additional Cards;
    • American Express Experiences;
    • Car Rental Loss and Damage Insurance;
    • Baggage Insurance Plan;
    • Global Assist® Hotline;
    • The Hotel Collection;
    • Terms Apply.
Card detail

Citi Costco Anywhere Visa® best for Cash Back, Young couples

Costco Anywhere Visa® Citi
Annual fee:
$0
Regular APR:
18.99% Variable
Our Rating:
4.23
scorer
Credit score
Excellent (740-799)
  • Rewards Rate:
    • 4% Cash Back on eligible gas, including gas at Costco for the first $7,000 per year and then 1% thereafter.
    • 3% Cash Back on restaurants and eligible travel purchase worldwide.
    • 2% Cash Back on all other purchases from Costco and Costco.com.
    • 1% Cash Back on all other purchases.
  • Balance Transfer APR:
    18.99% Variable
  • Issuer name:
    Citi
  • Details:

    The Costco Anywhere Visa® Credit Card by Citi has no annual fee. You have to be a Costco member to get the card.

    The Card’s variable APR is 18.99%.

    You'll earn 2% cash back on Costco/Costco.com purchases, you’ll also earn 4% on eligible gas purchases (on up to $7,000 in purchases per year, then 1 percent), 3% on eligible restaurant and travel purchases and 1% on all other purchases.

    With purchase protection, You may be reimbursed if your purchases are stolen or damaged within three to four months after you bought them.

  • Pros:
    • Excellent rewards rate for gas
    • Great rewards for dining and travel
    • Decent APR rate
    • No foreign transaction fees
  • Cons:
    • Costco membership required
    • No welcome offer
    • Limiting redemption policy
  • Benefits:
    • Cash Back Rewards;
    • Damage & Theft Purchase Protection;
    • Extended Warranty;
    • Citi Entertainment®.
Card detail
Commerce Bank Save the Children Visa® Signature
Annual fee:
$0
Regular APR:
17.49% - 27.49% Variable
Our Rating:
4.94
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 3% Cash Back on streaming, cable and ridesharing services.
    • 2% Cash Back on gas and restaurants.
    • 1% Cash Back on all other eligible purchases.
  • Intro Offer:
    • $35 Make your first purchase with your new Save the Children Visa Signature® credit card and Commerce Bank will contribute $35 to Save the Children.
  • Purchase Intro APR:
    1.99% Introductory APR for 6 monthly billing cycles after account opening
  • Balance Transfer APR:
    17.49% - 27.49% Variable
  • Issuer name:
    Commerce Bank
  • Details:

    The Commerce Bank Save the Children Visa® Signature Credit Card earns 3% Cash Back on streaming, cable and ridesharing services, 2% Cash Back on gas and restaurants and 1% Cash Back on all other eligible purchases.

    Make your first purchase with your new Save the Children Visa Signature® Card and Commerce Bank will contribute $35 to Save the Children.

    The Commerce Bank Save the Children Visa® Signature doesn't charge an annual fee.

    Cardholders can enjoy an interest rate of 1.99% for both purchases and balance transfers for the first 6 billing cycles (17.49% - 27.49% Variable after that).

  • Pros:
    • No Annual Fee
  • Cons:
    • Foreign Transaction Fee
  • Benefits:
    • 3% Cash Back on streaming, cable and ridesharing services;
    • 2% Cash Back on gas and restaurants;
    • 1% Cash Back on all other eligible purchases;
    • Visa Signature Benefits, including Concierge.
Card detail
UMB Bank Farm Sanctuary Visa®
Annual fee:
$0
Regular APR:
16.24% - 20.24% Variable
Our Rating:
3.29
scorer
Credit score
Fair to Good (580-739)
  • Rewards Rate:
    • 0.5% Each time the card is used, 0.5% of the amount of each purchase is donated to Farm Sanctuary.
  • Intro Offer:
    • $50 A donation of $50 is made to Farm Sanctuary after each credit card account is approved and used within the first 90 days of approval.
  • Balance Transfer APR:
    16.24% - 20.24% Variable
  • Issuer name:
    UMB Bank
  • Details:

    The UMB Bank Farm Sanctuary Visa® Credit Card doesn't charge an annual fee.

    A donation of $50 is made to Farm Sanctuary after each credit card account is approved and used within the first 90 days of approval.

    Each time the card is used, 0.5% of the amount of each purchase is donated to Farm Sanctuary.

    The Card has a 0% introductory APR period for 12 billing cycles on balance transfers made within 60 days of account opening. After that, the variable APR is 16.24% - 20.24%.

  • Pros:
    • Intro APR period on balance transfers
    • No Annual Fee
  • Cons:
    • Foreign Transaction Fee
  • Benefits:
    • $50 donation (after each credit card account is approved and used within the first 90 days of approval);
    • 0.5% of the amount of each purchase is donated to Farm Sanctuary.
Card detail
Commerce Bank Charity Charge World Mastercard®
Annual fee:
$0
Regular APR:
17.49% - 27.49% Variable
Our Rating:
3.18
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 1% Cash Back on all purchases.
  • Purchase Intro APR:
    1.99% Introductory APR for 6 monthly billing cycles after account opening
  • Balance Transfer APR:
    17.49% - 27.49% Variable
  • Issuer name:
    Commerce Bank
  • Details:

    The Commerce Bank Charity Charge World Mastercard® Credit Card donates 1% back on all purchases to any nonprofit of your choice.

    The Card doesn't charge an annual fee.

    Cardholders can enjoy an interest rate of 1.99% for both purchases and balance transfers for the first 6 billing cycles (17.49% - 27.49% Variable after that).

  • Pros:
    • No Annual Fee
  • Cons:
    • Foreign Transaction Fee
  • Benefits:
    • 1% Cash Back on all purchases;
    • May be tax deductible;
    • ID Theft Protection;
    • Zero-Liability Coverage;
    • Cell Phone Protection;
    • All World Mastercard® Benefits.
Card detail
Barclays Bank Delaware AARP® Essential Rewards Mastercard®
Annual fee:
$0
Regular APR:
18.99% - 27.99% Variable
Our Rating:
4.88
scorer
Credit score
Excellent (740-799)
  • Rewards Rate:
    • 3% Cash Back on gas and drug store purchases (excluding Target and Walmart).
    • 2% Cash Back on eligible Medical expenses.
    • 1% Cash Back on all other purchases.
  • Intro Offer:
    • $100 Cash Back Bonus after spending $500 on purchases in the first 90 days.
  • Balance Transfer APR:
    18.99% - 27.99% Variable
  • Issuer name:
    Barclays Bank Delaware
  • Details:

    The Barclays AARP® Essential Rewards Mastercard® Credit Card earns a $100 Cash Back Bonus after spending $500 on purchases in the first 90 days. The Card offers 3% Cash Back on gas and drug store purchases (excluding Target and Walmart), 2% Cash Back on eligible Medical expenses and 1% Cash Back on all other purchases.

    The AARP® Essential Rewards Mastercard® doesn't charge an annual fee.

    The Card has a 0% introductory APR period for 15 billing cycles on balance transfers made within 45 days of account opening. After that, the variable APR is 18.99% - 27.99%.

  • Pros:
    • No Annual Fee
  • Cons:
    • High APR
    • No Intro APR period on purchases
    • Foreign Transaction Fee
  • Benefits:
    • $100 Cash Back Bonus (after spending $500 on purchases in the first 90 days);
    • 3% Cash Back on gas and drug store purchases (excluding Target and Walmart);
    • 2% Cash Back on eligible Medical expenses;
    • 1% Cash Back on all other purchases;
    • Charitable Contribution;
    • $0 Fraud Liability Protection.
Card detail