America’s 200 million credit cardholders are better at accruing rewards than spending them. As one survey showed, in 2015 credit card holders failed to redeem about $16 billion worth of loyalty points. That’s why you may want to consider Charity Charge. This new MasterCard, issued by CommerceBank, gives away your cash-back bonus to any nonprofit of your choice. Every purchase made with the Charity Charge card generates a 1 percent cash-back, and there are no processing fees when you send the money on: The charity gets the whole amount.