How to Convert Credit Card Rewards into Donations

Tuesday, June 25th, 2019
Updated: June 25th, 2019
The content is accurate at the time of publication and is subject to change.

Have you ever thought about contributing to charity? There are a lot of different ways to support benevolent institutions, and credit card rewards donations are one of them. A small piece of your rewards can become the very grain that will save someone’s life. And, luckily, donating your credit card bonuses turns out to be as easy as ABC since a lot of card companies take care of this issue.

Significant Details

When you decide to donate your rewards to charity, you should make sure to clarify a few moments first:

  • Issuers’ Initiative
    First of all, find out whether your credit card issuer allows you to redeem your bonuses, points, miles or cash back for donations. As a rule, they have special sections on their sites dedicated to donation programs.
  • Charity Organizations
    Note that not all charities allow donations to be made through credit card rewards. If your chosen charity organization is not on the list, pay attention to alternatives. Fortunately, issuers typically partner with a lot of different organizations throughout the world.
  • Minimum Donation Amount
    This doesn’t apply to all issuers, but some may set a minimum amount of rewards to make a donation. On average, it is about $10-$30.
  • Fees
    Yes, some credit card companies charge additional fees for processing a donation. Others, on the contrary, take all fees upon themselves when it comes to charity. Be careful to calculate all costs.
  • Extra Rewards
    Great news about making a donation with your rewards credit card is that you may earn some extra rewards. So, good deeds bring good things.

Credit Card Programs to Donate

To make the process of contributing easier for you, here we collected the information on our partner credit card issuers’ donation programs. Just check it out and go ahead! And remember that you are doing a noble cause.

  • Discover
    The issuer allows their cardholders to donate Cashback Bonus rewards without any restrictions to such organizations as American Cancer Society, American Red Cross, WWF, and others. Moreover, Discover annually enlarges donations to the organization that receives the biggest amount for a year with an extra $25,000. To donate, you can log in to your account and do it online or call 1-800-347-2837.
  • Capital One
    Unfortunately, Capital One doesn’t currently offer its own donation program. However, you can always contribute your miles to charity redeeming them as a cash back. The advantage of this method is that you can prefer any amount and any charity.
  • Citibank®
    Citi gives its cardmembers the opportunity to donate their ThankYou Rewards online. The company partners with American Red Cross and SmileTrain. The minimum amount to contribute is $25 or 2,500 points. It is also possible to redeem your points as a statement credit and then donate in any amount. Thus, you can choose any charities as well.
All rates and fees, and other terms and conditions of the products mentioned in this article/post are actual as of the last update date but are subject to change. See the current products' Terms & Conditions on the issuing banks' websites.

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