Cash Back
| Initial Bonus None |
Base Earn 1 % |
Max Earn 3 % |
Earn / Redeem Limit No |
- Earn an unlimited 1% cash back on all purchases.Earn a total of 2% cash back on grocery and 3% on gas purchases. (Quarterly maximum applies to bonus rewards on grocery and gas purchases).
- Redeem for cash back starting at $25. Plus earn a 10% customer bonus when you redeem into a Bank of America® checking or savings account
- Up to 20% cash back at more than 300 retailers when you shop onlinethrough the Add it Up website.
| Intro Rate 0% |
Intro Period 12 months |
Regular Rate 12.99% - 20.99% |
| Intro RateNot Offered | Intro PeriodN/A | Regular Rate12.99% - 20.99% | Balance Transfer Fee 4% |
| Cash Advance Rate 20.99% - 24.99% |
Cash Advance Fee 4% (min $10) |
- For every new account that is opened and every purchase made with the card, Bank of America will make a contribution to ASPCA at no additional cost to you.
- Online account access.
- Customer service 24 hours a day.
- Max Late Fee: $35
- Max Overlimit Fee: None
- Max Penalty APR: 29.99%
- Grace Period: 25 days
- Online Response: Yes
- Foreign Transaction Fee: 3%
If you currently have the ASPCA Credit Card and are satisfied or you like the terms of this credit card offer please let your friends know.
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ASPCA Credit Card is related to the following credit card categories:
- Bank of America Rewards Credit Cards
- Credit Cards for Excellent Credit with No Annual Fee
- VISA MasterCard
- Cash Back Credit Cards for Excellent Credit
- Cash Back Credit Cards for Good Credit
- Rewards Credit Cards for Good Credit
- VISA Card
- 0% APR Cash Back Credit Cards
- Bank of America Credit Cards
- Rewards Credit Cards
We work hard to present you with the most accurate credit card information, however, this information does not originate from us and thus, we do not guarantee the accuracy of the information. Certain offers originate from paying advertisers, and this will be noted on a card’s details page, when applicable.
Before applying for a credit card we recommend that you review and verify the credit card terms and conditions on the credit card company's web site. Please let us know if you find any differences related to the ASPCA Credit Card shown on this page.
The card information shown on this page was last updated: May 7th, 2012 at 8:48 EDT
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There’s no question that the ASPCA is a great cause. In case you didn’t know, ASPCA stands for The American Society for the Prevention of Cruelty to Animals, and as a big time animal lover (especially dogs!), I’m all for giving them as much dough as possible. But is the ASPCA Credit Card the right tool with which to do so. In other words, how do the ASPCA Credit Card’s rewards compare to other credit cards that require good or excellent credit for approval. While charity credit cards automatically send donations to their affiliated organization, most credit cards give you the option of donating rewards earnings and even if they don’t, you can simply donate the cash gleaned from a credit card rewards program yourself. Your goal, after all, is providing the ASPCA with the most money possible. So, starting with rewards, the ASPCA Rewards Card offers 3% cash back on gas and 2% cash back on groceries up to $1,500 spent in these categories quarterly as well as 1% on everything else. You also get a 10% cash back bonus when you redeem rewards earnings into a Bank of America bank account. Unfortunately, though, the ASPCA Card does not appear to have anything to do with the ASPCA other than branding. BofA, the card’s issuer, doesn’t seem to donate any portion of card sales to the organization and your rewards aren’t automatically donated or anything else. While the ASPCA Rewards Credit Card offers decent rewards overall, there are better cards out there. The same holds true for its rates; the ASPCA Card only gives you 0% on purchases for 12 months and does not offer a low intro rate on balance transfers. So alternatives are in order. If you want to give a lot to the ASPCA in the short term, the Chase Sapphire Card is the way to go since it offers a $500 initial bonus. Depending on your spending habits, the Capital One Cash Rewards Card (1.5% cash back across all purchases) or the Blue Cash Everyday from Amex (3% at supermarkets, 2% at gas stations and department stores and 1% everywhere else with no earning limit) are great options for ongoing donations. The good thing about getting a Capital One Card is that you can customize the entire front of your card with a picture of your choosing, which means you can turn any Capital One Card into a makeshift ASPCA Card if you so choose. Finally, if you want to get low rates, the No Balance Transfer Slate Card is the best choice.