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For donors giving to any U.S. 501(c)(3)

Stop losing 3% of every gift to card fees.

  • 100% to charity
  • Keep every point
  • Instant tax receipt

When you give by credit card, about 3% usually disappears. Either the charity loses it to fees, or you're asked to cover it. With our system nothing is deducted, the charity gets 100%, and your card still earns its normal points, miles or cash back.

3 minutes · No card needed to apply · No obligationOne-time membership that costs less than the 3% card fees you'd cover in year one. No ongoing fees.Every donation runs through a Fortune 500 payments company that covers the card fees. It goes straight to your charities, not through us, and we never see your card.

What your yearly giving does

ESTIMATE
$25,000
Your card earns · pick one
Cash back
Points / miles
Charity receives$25,000
Card fees $750$0
You earn$500

Donations earn your card's everyday rate. No bonus categories. Always pay the balance in full.

Apply to earn $500

Card fees covered by a Fortune 500 payments company. Donations go straight to your charities.

$3M+donated since 2014. See the public record
100%delivered to charity, every time
Instantofficial 501(c)(3) tax receipt for every gift
30-dayfull-refund guarantee on top tier

Give with the cards you already carry

  • Visa
  • American Express
  • Mastercard
  • Discover
  • Diners Club
  • JCB
  • PayPal

$3.7M given to 80 charities using this exact system

See every donation on record →

Logos shown as examples of recipients. Use does not imply endorsement.

How it works

About 18 minutes once. Then ~3 minutes a gift.

One-time setup · steps 1–2, about 18 minEvery gift after · about 3 min each
  1. 3 MIN · ONE-TIME

    Apply

    Answer a short application. If you qualify, you'll see a one-time membership with no subscriptions.

  2. ~15 MIN · ONE-TIME

    Make one card donation

    Follow our steps to give any amount through a payment brand you already know. It posts as a regular purchase and earns rewards.

  3. ~3 MIN · EVERY GIFT

    Grant to any charities

    Split your gift across as many 501(c)(3)s as you like. Keep it private, or share a public giving page.

Proof

Real statements. Real points.

Redacted transactions from members' Amex and Chase accounts, each posting as a standard purchase. Tap any image to zoom in.

  • $10,000 donation → 15,000 Amex points (1.5x)
  • $38,005 donation → 57,008 Amex points (1.5x)
  • $10,001 donation → 10,001 Chase points
  • $10,001 donation → 10,001 Chase points, coded "Gifts & donations"
  • Amex Business Platinum: 575,069 points available
  • Chase Ink Plus: 1,075,724 points available

Compare

Where $25,000 a year actually goes

Save time. Get rewards. No one pays fees. Everyone wins.

Compare
Check
Card, direct to charity
Smart Generosity
Charity receives
$25,000
$24,250
$25,000
Fees
$0
−$750 (~3%)
$0
You earn
Nothing
$500
$500
Your time
Write and mail each
Separate checkout each
~3 minutes per gift
Multiple charities
One check each
One checkout each
One payment, split freely
Tax records
Chase each receipt
Chase each receipt
One receipt + grant log
Public impact page
No
No
Optional, for businesses

Making impactful donations easier and more rewarding for high-capacity donors.

Griffin, CEO & Founder of Smart Generosity

“We built this for our own giving at 5DayDeal. Since 2014 it's moved over $3M to charity with no fees on their side or ours.”

Griffin · CEO & Founder

The guarantee

If a fee is taken out, or the charity gets anything less than 100%, you get a full refund.

Follow our steps and that's our promise on your first donation with our top membership. Just tell us within 30 days. Times we've had to pay out since 2014: Zero

FAQ

Questions donors ask first

Something else? Email us and a real person replies.

What does it cost?

There's a one-time membership fee, shown after you apply if you qualify. No subscriptions and no ongoing fees, ever. Most members recover it in the first year alone: the ~3% the charity would have lost (or asked you to cover) stays with the charity, and your card's rewards land in your account. After that, the system keeps working for every future gift.

Is this legitimate?

Yes. We've given this way since 2014: over $3M to 80+ charities, all on public record. Every donation is processed by a Fortune 500 payments company, not by us, and every gift comes with an official 501(c)(3) tax receipt.

How can I be sure no fees are deducted?

A Fortune 500 payments company processes every donation and covers the card fees. Follow our steps and 100% reaches your charity, backed by our refund guarantee.

Where does my payment actually go?

Straight to that payments company and on to your charities. None of it passes through us. We teach the system; we never see or store your card.

Is my donation tax-deductible?

Yes. You get an official receipt from a registered 501(c)(3) instantly for every gift. Check with your tax professional for your situation.

Will my card treat it as a cash advance?

No. In members' experience it posts as a regular purchase and earns normal points, miles or cash back. Check your card's terms for category exclusions.

Can I give to multiple charities?

Yes. Give to as many 501(c)(3)s as you like. Every gift is tax-deductible and comes with an official receipt.

What if my card issuer declines it?

Large charges sometimes trigger a fraud check. Approve it in your card's app or call the number on the back, then try again. If you get stuck, we'll help.

Will this keep working in future years?

Yes, as far as we can foresee. Your one-time membership covers future gifts, and the system has worked the same way since 2014. If the setup ever changes significantly, we'll tell members first.

Your giving this year could earn $500.

Three-minute, no-obligation application. One-time membership that costs less than the 3% card fees you'd cover in year one. No ongoing fees, ever.

Apply now