Non-profit organisations around the world are making highly credible contributions to our society but the financial uncertainty some of us experience means that we can be uneasy about donating to the organisations we care about. One way you’re able to make a difference while buying everyday items, though, is through charity credit cards; products that donate a small percentage of cash to an organisation of your choice. Some of the best deals include 80p in every £100 going to a cause of your choice, so it can be a worthwhile investment. Interested? This article will look at the facts surrounding the credit cards that make a donation on your behalf.

Even though the idea of cash being given to charity may seem an alluring concept, going for interest free credit cards may give you a better deal. You are able to use the savings on interest and donate this money to charity, allowing a bigger donation to be made. Going for a generic credit card that offers better terms than a charity card might even mean you give as much as eight times more without spending an extra penny.

Naturally, you want to explore the different charity credit cards on the market before making a decision. Finding a deal that donates one per cent of the total amount purchased to good causes is possible and price comparison websites will allow you to find a card appropriate to your needs.

So, how can you give the most to charity? Well, cashback cards are considered a viable option by many. At the end of every 12 months you are given a lump sum of money that you can pass on as a donation should you wish; usually, the cashback you receive will be a percentage of between one and five per cent on all purchases, with an introductory period allowing you to take advantage of preferential rates. One of the main conditions of cashback is that you pay off your balance in full at the conclusion of each month, so you should make sure that this is a commitment that you are able to make.

In addition, the money that you receive in cashback will go further when you are donating personally. Because of how the government offers Gift Aid, an additional 28 per cent on top of every £1 you contribute is added to your donation. This makes a substantial difference to the amount your chosen cause will receive, transforming £100 into £128 immediately, for example.

Looking at alternatives to a charity card allows you to gain access to a wider variety of causes, instead of only being able to donate to the best-known charities working in association with credit card companies. If you admire the work of a local organisation, sending your contribution directly to them will allow you to see the difference at a grass roots level.

To get the best deal, you should always compare the size of the donation being given, as even a difference of 10p per £100 could make a positive impact to the charity you choose. Whereas some cards are exclusively affiliated with a particular cause, others charity cards could benefit the local non-profit organisation you have links to. If you have a number of cards that offer cashback or charitable donations the contributions will soon pile up; and every time you make a purchase you will know that you are benefitting a worthy organisation.

The prospect of helping a charity while you buy everyday essentials is an exciting one, allowing you to help society subconsciously. Indeed, if you don’t have a charity credit card there is nothing stopping you from using the plastic you already have to make a donation. As many organisations use e-commerce websites such as PayPal or specialist donation services such as Virgin Money Giving, the fact that major credit cards are accepted makes the opportunity to donate highly accessible.

Even though going with the charity cards that offer the best donations might seem like the most alluring idea, you could make more of an impact by opting for services that offer lower levels of interest, or other perks that could save you money. Afterwards, you will free up that all-important disposable income that you can contribute personally in the form of a bulk donation, or spread out among a variety of good causes.