For about twenty years, banks and financial institutions have figured out that appealing to peoples hearts is the way to get them to open their wallets. Affinity credit cards have a charity logo as well as the issuers logo; each time the card is used to make a payment, balance transfer or withdraw cash from an ATM, the bank donates a percentage of the amount of the transaction to the charity.
Will You Need Donations After Using a Charity Credit Card?
The concept of the affinity credit card (otherwise known as charity credit cards) is great: every time you make a purchase you had to make anyway, you can use you credit card and donate to charity. Finally, you can feel good about using your plastic to make your purchases! But is it worth it?
Most of the charity credit cards offer miniscule donations in comparison to the amount of interest the cardholders are required to pay, and most of the time- they charge fairly high annual fees. If using the charity card to donate $6 a year to the homeless leaves you needing donations yourself, it may not be such a good idea to use the charity credit card no matter how warm and fuzzy it makes you feel inside! ...
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