If you like the thought of donating to charity while spending money, then applying for an Affinity credit card will help you do more without changing your diary or lifestyle, this is a simple and work free way is to do this, as many of out favourite charities are affiliated with many of the different cards that are on offer.

Affinity work by making a small donation for every purchase that is made by you, this will automatically be made to the charity that is associated with the credit card of your choice, the percentage of the donations that are made to the charities may not seem a lot to you, but when added up collectively over the course of the year the total amounts are very welcomed by the charities on your Affinity credit card.

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Signing fees are also given in most cases to the nominated charities, usually in the region of £10-£15 when joining to a card such as the Co-op’s affinity card that are in association with the charities, Green-peace, Oxfam, Amnesty International, Bernardos, Help the Aged and Action Aid though pick a card that has a charity that has been of help to you, or have your own personal preference, though make sure that the APR is of a benefit to you as the rates range from 12.3%-17.9%, the higher option is fine if you pay your balance at the end of each month.

The Halifax offers a one off APR of 12.9% on their Affinity cards, which are in association with the charities of the NSPCC, MENCAP and Cancer Research; this APR is based on an overall rate compared to some, who have a risked based pricing policy on their cards.

But remember that taking out an Affinity credit card can be great for charity but make sure that it is great for you too, then you, the charity and the Affinity card will be the combination that works for all.