That’s according to financial experts at the MoneyFacts website, after figures released by the Charities Aid Foundation revealed a drop of £1.3 billion in donations in the year to April.

Michelle Slade from the advice portal deems the cards particularly attractive to individuals who are keen to support their favourite charities “without having to make any further effort”.

Explaining to the Independent how the credit cards work, she comments: “Interest is forgone by the saver in support of the charity. Similar to ethical investments, it is more of lifestyle choice.”

The publication goes on to point out that the cards are best suited to consumers who are able to pay off their bills easily each month, because they are “rarely competitive”.

A large proportion of charity credit cards do, however, offer attractive introductory rates – for example, the Halifax Cancer Research and NSPCC cards charge 0% interest on purchases and balance transfers for the first nine months.

Not only that, but Halifax donates £20 to the cause when the cards are first used.

Amex will contribute one per cent of the card purchase total to The Global Fund, the international charitable partnership of governments, non-governmental organisations and private enterprises.  RED is The Global Fund’s largest contributor from the private sector, and the Amex Red Card is a founder member of RED.

The typical variable APR is currently a respctable 18.9%.  So please, make a difference today and apply for a RED charity credit card to help raise money to combat HIV and AIDS.

We’ll soon be listing all the credit cards available in the United Kingdom that in some way support a charity. Usually, the credit card operators will be donating a percentage of your monthly credit card spend to a specific charity.

Each month, we’ll be featuring a specific charity credit card.