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Verdict: Many credit cards give you the chance to earn rewards points. Few give you the opportunity to do something good at the same time. The Pink Ribbon Visa Signature Credit Card does. With this card, consumers can provide financial support for Susan G. Komen for the Cure, the nation’s top organization devoted to fighting breast cancer. On top of this, the card comes with a solid rewards program and, depending on cardholders’ credit scores, a solid interest rate.
Overview: The Pink Ribbon card allows cardholders to donate their rewards points to Susan G. Komen for the Cure. Visa also sends funds to the organization every time cardholders activate their cards and each time they renew them.
How This Card Works: The Pink Ribbon Visa card, aside from its affiliation with Susan G. Komen, acts like a standard rewards card. The rewards program isn’t outstanding. But for those who want to do their part in the battle against breast cancer, the Pink Ribbon card is a good choice.
Travel and Shopping Benefits: Cardholders will receive one rewards point for every dollar they charge with their card. They can, starting at 2,500 points, redeem these for cash, merchandise, travel, car rentals, hotel stays and gift certificates. Or, they can donate their points to Susan G. Komen for the Cure.
Visa also donates at least $3 every time cardholders make their initial charge with this card, as long as this first charge comes within 90 days of the card’s opening. Visa will also donate a portion of the dollars you charge to Susan G. Komen. Finally, the card company will send the organization a $1 donation for every cardholder who renews the Pink Ribbon card each year.
Fees: The card comes with an introductory interest rate of 0 percent for either seven or 10 billing cycles, depending on the creditworthiness of applicants. Once this period ends, the rate jumps to 12.99 percent to 20.99 percent, again depending on cardholders’ credit scores. There is no annual fee.
Cash-advance fees run either $10 or 4 percent of the advance amount, whichever is higher. Returned-payment fees can cost as much as $25, while late fees can run to $35.
- Ability to donate points to Susan G. Komen for the Cure.
- Solid interest rates for cardholders with strong credit scores.
- No annual fee.
- Rewards program is nothing special.
- Interest rate can soar to 20.99 percent for those with bad credit.