Can you pay Tithe.ly with a credit card?
Yes, with a fee of 2.9% plus $0.30.
Stated on Tithe.ly's own payment page.
Last checked October 19, 2026 by Bill Router. How we check
Ways to pay Tithe.ly
| Way | Accepted | Fee | Notes |
|---|---|---|---|
| Card on the biller's own site | Yes | 2.9%, plus $0.30 | Credit and debit cards 2.9% + $0.30 per transaction; American Express is higher at 3.5% + $0.30. The church pays the fee by default, but it can turn on a 'Cover the Fees' checkbox so the giver pays it; Tithe.ly says about 60% of givers do. No setup, monthly, or platform fee for giving. Networks: visa, mastercard, discover, amex. |
| Bank account (ACH) | Yes | 1%, plus $0.30 | Bank (ACH) gifts cost 1% + $0.30 per transaction, paid by the church unless the giver covers the fee. Not free. |
What it is worth for your gift
Example amount shown; change it to yours.
| Way to pay | Fee per payment | Net per year |
|---|---|---|
| Card on the biller's own site (2.9%, plus $0.30) | $6.10 | −$25 |
| Bank account (ACH) | $0 | $0 |
Rewards minus fees, twelve payments a year. A negative number means a card costs you money.
When a card is worth it
For a $200 gift, the fee is more than a typical 2% card earns, so pay Tithe.ly from your bank account. A card only makes sense here if it is the cheapest way to finish a sign-up bonus; the calculator checks that against your other bills.
Watch out for
The church pays the 2.9% + $0.30 card fee unless the giver ticks 'Cover the Fees'; Amex costs 3.5% + $0.30.
Sources
Credit/Debit: 2.9% + $0.30 per trx.
get.tithe.ly · checked October 19, 2026ACH/Bank: 1% + $0.30 per trx.
get.tithe.ly · checked October 19, 2026
Payment rules change. Every biller is re-checked at least every 180 days, and a page past that date is taken out of search until it is.
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Other church and charity giving platforms
- Benevity (workplace giving) · Card, with a fee
- Breeze ChMS · Card, with a fee
- Daffy (donor-advised fund) · Card, with a fee
- Donorbox · Card, with a fee
- Fidelity Charitable (Giving Account) · No credit cards
- Givebutter · Card, with a fee
- Givelify · Card, with a fee
- GoFundMe (charity fundraisers) · Card, with a fee
See every bill at once
Add your other bills to the calculator to see which go on a card, which stay on your bank account, and which sign-up bonus your normal spending can reach.