You'd probably get better results by dropping the ASPCA Visa card, shopping around for a card with competitive rates and fees, and just writing a check to the ASPCA. Affinity cards give a (small) percentage of purchases to the affiliated charity but carry a significantly larger interest rate, so if you carry a balance most of your money is going to the bank, not the charity. If you took the savings you got by switching to a different card and sent all of it to the charity, they would end up with more than what they're getting now through the affinity program.