7 Best Eco-Friendly Credit Cards for Sustainable Shoppers (2025)
Earn rewards while supporting the planet. Compare green credit cards that offer carbon offsets, tree planting, and avoid fossil fuel financing.
Americans are increasingly conscious of how their spending impacts the planet – nearly 80% of consumers feel better when they buy eco-friendly products. Traditional credit cards often fund industries like fossil fuels (big banks poured $6.9 trillion into fossil fuel projects since 2016), so savvy shoppers are seeking green credit cards that align with their values.
In this article, we'll introduce the top eco-friendly credit cards of 2025 that let you earn rewards and do good at the same time. These cards offer perks like carbon offset rewards, charitable donations, and green cashback programs for sustainable purchases.
Find Your Perfect Green Card
Top Eco-Friendly Credit Cards
Aspiration Zero
Aspiration
Aspiration Zero is a climate-neutral Mastercard that plants a tree for every purchase and offers carbon offset options.
Pros
- ✓Plants a tree for every purchase made
- ✓1% cashback on all purchases
- ✓Option to round-up transactions to offset carbon
- ✓Offered by a fossil-fuel-free bank
- ✓No annual fee
Cons
- •Lower cashback rate than premium cards
- •Limited additional perks
- •Smaller bank with fewer locations
Annual Fee
No fee
APR Range
14.24% - 25.24%
Signup Bonus
Plant 60 trees when you spend $1,000 in first 60 days
Green America Visa
Beneficial State Bank
Green America Visa donates 0.5% of every purchase to environmental nonprofits at no extra cost to you.
Pros
- ✓0.5% of each purchase donated to environmental nonprofits
- ✓Supports Green America's clean energy initiatives
- ✓No annual fee
- ✓Backed by a mission-driven bank
- ✓Competitive APR
Cons
- •No signup bonus
- •Basic rewards structure
- •Limited additional benefits
Annual Fee
No fee
APR Range
13.99% - 23.99%
Signup Bonus
None
FutureCard Visa
Future
FutureCard rewards sustainable spending with 5% cashback on public transit, EV charging, and eco-friendly purchases.
Pros
- ✓5% cashback on public transit, EV charging, and bike shares
- ✓Rewards sustainable lifestyle choices
- ✓FutureScore tracks your climate impact
- ✓No annual fee
- ✓Modern app experience
Cons
- •Higher APR range
- •Rewards limited to specific categories
- •Newer company with limited track record
Annual Fee
No fee
APR Range
17.99% - 26.99%
Signup Bonus
5,000 FuturePoints after first purchase
Bank of America Customized Cash Rewards
Bank of America
Bank of America card offers customizable rewards including EV charging, backed by the bank's net-zero commitment.
Pros
- ✓Customizable 3% cashback category (can choose EV/green options)
- ✓$200 signup bonus
- ✓No annual fee
- ✓Bank of America's net-zero commitment
- ✓Wide acceptance and bank network
Cons
- •Big bank still finances some fossil fuels
- •Standard rewards not specifically green
- •3% category has $2,500 quarterly cap
Annual Fee
No fee
APR Range
16.24% - 26.24%
Signup Bonus
$200 after spending $1,000 in first 90 days
Amalgamated Bank Give-Back Credit Card
Amalgamated Bank
Amalgamated Bank card offers rewards while ensuring your deposits never fund fossil fuels, backed by a 100% renewable-powered bank.
Pros
- ✓Backed by 100% renewable-energy-powered bank
- ✓1.5% cashback on all purchases
- ✓Bank avoids all fossil fuel financing
- ✓Supports unions and social justice
- ✓No annual fee
Cons
- •No signup bonus
- •Limited branch locations
- •Basic rewards structure
Annual Fee
No fee
APR Range
14.99% - 24.99%
Signup Bonus
None
Chase Freedom Unlimited
JPMorgan Chase
Chase Freedom Unlimited offers straightforward rewards with the option to donate cashback to environmental charities.
Pros
- ✓Simple 1.5% cashback on everything
- ✓$200 signup bonus with low spend requirement
- ✓No annual fee
- ✓Can donate rewards to environmental causes
- ✓Excellent app and customer service
Cons
- •Chase still finances fossil fuel projects
- •No specific green rewards
- •Higher APR range
Annual Fee
No fee
APR Range
19.49% - 28.49%
Signup Bonus
$200 after spending $500 in first 3 months
U.S. Bank Visa Platinum
U.S. Bank
U.S. Bank Visa Platinum features sustainable materials and low APR, ideal for eco-conscious users focused on reducing interest.
Pros
- ✓Card made from recycled ocean plastic
- ✓Low APR starting at 14.49%
- ✓No annual fee
- ✓U.S. Bank finances renewable energy
- ✓Good for balance transfers
Cons
- •No rewards program
- •No signup bonus
- •Basic features only
Annual Fee
No fee
APR Range
14.49% - 25.49%
Signup Bonus
None
Your Environmental Impact
Trees planted annually
with Aspiration Zero
Donated to clean energy
with Green America Visa
Miles of EV charging rewards
with FutureCard
*Based on $2,000 monthly spending
Quick Comparison
| Card | Annual Fee | Rewards | Green Features | Best For |
|---|---|---|---|---|
| Aspiration Zero | No fee | 1% cashback on all purchases | Plant a tree with every purchase | Most Eco-Friendly |
| Green America Visa | No fee | 1% cashback | 0.5% of purchases donated to Green America | Best for Donations |
| FutureCard Visa | No fee | 5% cashback on green purchases, 1% on others | 5% cashback on climate-friendly spending | Best Green Rewards |
| Bank of America Customized Cash Rewards | No fee | 3% in chosen category, 2% grocery/wholesale, 1% other | Can choose EV charging as 3% category | Best Flexibility |
| Amalgamated Bank Give-Back Credit Card | No fee | 1.5% cashback on all purchases | 100% renewable-powered bank | Most Ethical Bank |
| Chase Freedom Unlimited | No fee | 1.5% cashback on all purchases | Can donate cashback to environmental charities | Best Overall Value |
| U.S. Bank Visa Platinum | No fee | No rewards | Made from recycled plastic | Lowest APR |
Frequently Asked Questions
What makes a credit card 'green' or eco-friendly?
Do eco-friendly credit cards have higher fees?
Which banks don't invest in fossil fuels?
Can I really make an environmental impact with a credit card?
What's the best green credit card for rewards?
Ready to Make Your Spending Count?
Choose a credit card that aligns with your values. Whether you want to plant trees, support clean energy, or ensure your bank doesn't fund fossil fuels, there's a green card for you.
Start Your Green Journey →