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Climate change is a pressing issue It affects everything from transportation to meals. As the threat grows, people are looking for new ways to help the planet. What most people don't realize is that rethinking how you manage your money is an easy way to make an impact. Where you put your money, how you spend it, and how you invest it can have a direct impact on the environment.

Better yet, banks are starting to realize this. For example, we are taking steps to become carbon neutral, rewarding consumers for purchasing electric vehicles, and allowing consumers to donate reward points to climate charities. . When all else fails, money speaks. That's why it's important to think about what you're saying.

Best Green Credit Card Editor's Picks

Here's what you need to know about the best green credit cards on the market.

Sunrise Banks Max Cash Preferred Card* – Best Rewards Card

  • Reward rate: 5% cashback in 2 selected categories (up to $2,000 quarterly, then 1% thereafter), 1 2% cashback on daily categories and 1% cashback on all other purchases
  • Welcome offer: $150 when you spend $500 in 3 months
  • Annual Fee: $0

Why Go Green: Sunrise Banks is an institution focused on social impact and community engagement. They are an accredited Community Development Financial Institution and one of the few banks to be a member of the Global Alliance for Value Banking. We are also a certified B Corporation and meet the highest standards for social and environmental impact.

Who this card is for: Sunrise Banks aims to bring credit opportunities to as many people as possible with a variety of options, from consumer cards to business cards to secure cards. At the same time, the Sunrise Banks Max Cash Preferred Card is on par with reward cards such as the Citi Custom Cash℠ Card. With up to 5% reward rate, balance transfer introduction APR, and no annual fee, this card makes earning as easy as a traditional credit card.

Amalgamated Bank Maximum Rewards World Mastercard* – Best Flat Rate Card

  • Reward Rate: Unlimited 1.5% Cashback on every purchase
  • Welcome Offer: $30 Back When You Spend $600 Within 3 Months Of Account Opening
  • Annual Fee: $0

Environment Friendly Reasons: Self-proclaimed “America's Socially Responsible Bank,” Amalgamated Bank addresses a wide range of causes including social, racial and environmental justice. They set an initial goal of reducing emissions by 49% and increasing their use of solar power by 2030. In addition, we are considering investing in emissions removal technology. Support your ability to invest in this goal by becoming a cardholder.

Who is this card for?: The Amalgamated Bank Maximum Rewards® World Mastercard® is perfect for people who travel a lot and spend their money in many places. The welcome bonus is small, but you will be rewarded with a standard flat rate. You'll also enjoy Mastercard benefits, knowing your bank is prioritizing its commitment to the environment.

ATMOS Card* – Best Debit Card

  • Reward Rate: 5% Cash Back Sustainable Brand Purchases
  • Welcome Offer: Applicable None
  • Annual fee: N/A

Why it's eco-friendly >: With the ATMOS card, you can donate to climate nonprofits with every purchase using the Roundup feature. Card purchases are rounded up to the next dollar, and change is donated to the cause of your choice through your bank's app. You can also change the organization you donate to in real time. Plus, earn 5% cash back on every purchase from sustainable brands.

Who this card is for: Perfect for cardholders who want to directly influence their change. Knowing who or what your money is helping takes the mystery out of your giving. Her extra 5% cash back on sustainable brands is a nice personal bonus that you can use to reward yourself or another charity.

Varo Believe Secured Credit Card* – The Most Secure Card

  • Reward Rate: N/A
  • Welcome Offer: N/A
  • Annual fee: $0

Why it's green: Varo Believe Secured Credit Cards eliminate middlemen in a potentially ubiquitous solution. Because Varo is a neobank and has no physical location, its carbon footprint is automatically lower than traditional banks. Additionally, Varo offers cashback opportunities with select brands. Not only will it be healthier for the planet, but it will also be more affordable.This bank is also a member of his FDIC. In short, your money is insured, although this is not the case with all neobanks.

Who this card is for: This is for non-traditional cardholders looking to build credit. For those whose main financial tools are on their mobile phone, such as apps and digital wallets, this is a great way to take their first steps into banking.

U.S. Bank Cash+ Visa Signature Card – Traditional Best Card

  • Benefit Rate: 5% cash back on 2 selected categories (up to $2,000 on total purchases each quarter, then 1% thereafter) and prepaid air, hotel and car bookings made through award travel centers at 5%. 2% cashback on one daily category. 1 percent back on all other purchases
  • Welcome Offer: $200 online cash reward when you spend $1,000 within the first 120 days of account opening
  • Annual Fee: $0

Why Green: U.S. Bank is one of many banks that have created environmental initiatives over the last few years. They took a big step by making EV charging eligible for a 5% cashback, similar to the cashback rate for gasoline. In addition to its partnership with GRID Alternatives and its Clean Energy Trust, U.S. Bank is doing its best to reach its 2050 carbon neutral goal.

Who this card is for: The US Bank Cash+® Visa Signature® Card is the go-to card for electric vehicle owners, especially those who want to stay in a traditional bank. Good for reward credit cards that don't need to be paired with another card to supplement value.

Green America Card* – The Best “Just For The Earth” Card

  • Reward Rate: 1x Points On All Qualifying Purchases
  • Welcome Offer: Introductory APR Offer with Balance Transfer and Purchase
  • Annual Fee: $0

Environment Friendly Reasons: Green America is a bank committed to a green economy. They donate directly to nonprofits that help improve clean energy, green businesses, food and trade systems. We also provide information on green banking and socially responsible investing.

Who this card is for: For consumers looking for APR introductory offers. The Green America credit card may not be the best value for money in the long run. Still, depending on your creditworthiness, there are long first-year APR offers and interest rates that are lower than the national average.

Honorable Mention

Zero Aspirations Card*

  • Reward Rate: Up to 1% on all purchases for Carbon Neutral
  • Welcome Offer: $3000 in first 3 months $300 Statement Credit
  • Annual Fee: $60

Why it's green: The goal of the Aspiration Zero credit card is to neutralize our carbon footprint, primarily by planting a tree every time we make a purchase with the card. Track your progress in the app to see how close you are to a negative carbon footprint. Get 1% cashback when you reach carbon zero. Additionally, this card is mostly made of corn, which makes it suitable for later disposal.

FutureCard Visa Debit Card*

  • Reward Rate: 6% Cash Back on FuturePartner Purchases, 5% Percent Cash Back on Sustainability Purchases
  • Welcome Offer: N/A
  • Annual Fee: N/A

Why Green: The FutureCard Visa® debit card takes a different approach to climate change. Instead of focusing on planting trees and donating, it encourages people to create better spending habits: “climate-friendly spending.” They offer 6% cashback for sustainable partnerships and 5% cashback for eco-friendly expenses such as public transport, EV charging, and thrift store purchases. It's not a credit card, but rewards are added. To keep our footprint, the FutureCard is a digital card with a physical version available upon request.

Bank of America Customized Cash Rewards Credit Card

  • Rewards Rate: 3% Cash Back for 1 Selected Category (Gasoline, Online Shopping, Dining, Travel, Pharmacy) ,Home center). 2% cash back at grocery and wholesale clubs (up to $2,500 combined quarterly purchases in the 3% and 2% categories, then 1% thereafter). Plus 1 percent on all other purchases
  • Welcome Offer: $200 online cash reward when you spend $1,000 within the first 90 days of account opening
  • Annual Fee: $0

Why it's green: The most famous bank on the list, Bank of America has come under scrutiny in recent years for its investments in the oil industry. In response, they pledged to invest his $1 trillion in sustainable business initiatives and set a goal of becoming carbon neutral by 2050. We also plan to make all our cards from recycled plastic starting in early 2023.

The Bank of America® Customized Cash Card is one of the best cards for online shopping, and there are several ways it can potentially reduce vehicle emissions compared to shopping in-store. suggested in some research.

Green credit Card conditions

While the definition is slowly but surely expanding, green credit cards are focused on helping fight climate change. This could mean that the card directly rewards consumers for making more prudent purchases by cashing back on EV charging instead of gas, or that banks are moving to carbon neutral or charities helping the environment. It could mean donating to

Still, welcome offers, reward categories, fees, etc. are factors to keep in mind, just like any other credit card. Even if you're considering a card with a philanthropic element, you need to make sure it's the right financial tool for you.

Green credit How to choose a card

Think about the cause

Climate change is complex, so cards often focus on a few key areas. Some cards focus on conservation and national parks, others on carbon footprint. You should take a similar approach and research which banks and cards match the method you want to donate.

Compare reward rates

There is a charitable element, but at the end of the day, it's still your credit card that directly affects you. Having a card that benefits your spending habits and is affordable is important. Luckily, many of the cards on this list have no annual fee.

Think about versatility

Consider how cards, whether banks or cards, can expand your financial portfolio is important. For example, the Amalgamated Bank Maximum Rewards World Mastercard is well suited to be combined with traditional rewards cards with bonus categories. For cards with banks that take on much of the heavy lifting of charity work, using them for investments and high-yield savings accounts can help keep the effort going. Finance

Compare environment friendly card


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Card name Optimal Reward rate Green features
Sunrise Bank Max Cash Preferred Card Best Rewards Card
  • 5% cash back on 2 categories select (up to $2,000 per quarter, then 1% thereafter)
  • 2% cash back on 1 category every day
Amalgamated Bank Maximum Rewards World Mastercard Best Flat Rate Card <
  • 1.5% Cash Back On All Qualifying Purchases
    • Banks investing in emission removal technology
    • Reduction target to reduce emissions by 49% by 2030
    ATMOS Debit Card Best Debit Card
    • 5% Cash Back on Sustainable Brand Purchases
    • Deposits fund clean energy initiatives and networks
    • Roundup feature donates to climate nonprofits
    Varo Believe Card Best Secure Card
    • 6% Cash Back On Purchases From Select Brands
    • No physical location
    U.S. Bank Cash+ Visa Signature Best Traditional Card
    • 5% Cash Back on 2 Selected Categories and Prepaid Airfare
    • 2% Cash Back on 1 Daily Category Back
    • EV Charging Eligible for 5% Cash Back
    • GRID Alternative Partnership
    • Carbon Neutral by 2050
    GREEN AMERICA CARD Best 'Just For The Planet' Card
    • 1X Points On Every Purchase
    • Banks Donate to Environmental Nonprofits
    • Socially Responsible Investing
    • Environmentally Friendly Banks

    Which eco-friendly card is right for you?

    For most people, yes. Eco-friendly cards vary widely in perks and features. This and the range of acceptable credit scores make this type of card a good option for many people. They often come with welcome bonuses and reward rates similar to traditional cards, so your spending habits will determine which is best for you. No initial cost. Bonus categories and benefits may be restricted. For those who want to get more out of their cards, one of his options is to combine eco-friendly cards with feature-rich cards. For example, consider combining a card like the Amalgamated Bank Max Rewards Mastercard with one that offers the best cash back percentages on purchases like groceries and dining out.

    *Information about Sunrise Banks Max Cash Preferred Card, Amalgamated Bank Maximum Rewards® World Mastercard®, ATMOS Card, Varo Believe Secured Credit Card, Green America Card, Aspiration Zero Card, FutureCard Visa® Debit Card Separately collected by Card details are not verified or approved by the card issuer.