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.
I totally agree, and you are 100% correct. But we don't carry balances and don't use the card a lot. We were going to drop this card before when it was associated with something else and that program ended. Then they switched it over to the ASPCA, so we kept it, since we have had it for like 12 years and it is great to have that on our credit report. But you are totally correct, writing a check directly to the ASPCA is much better. We do also write out checks to them on a normal basis. :)
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Greenpeace
Our local humane society (http://www.hsjc.com)! - web site hosting and design for them also. :)
And a ton of animal rights groups. We also have an ASPCA Visa card, so a percentage of our purchases go to them.
Oh, and we're also vegan, which is one of *the biggest* things you can do for the environment. :)
Take care,
-Frank
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Take care,
-Frank