Abstract: The disclosure relates to a method and apparatus wherein consumers, typically credit card holders, can allocate their rebates and similar financial incentives amongst a plurality of charitable or non-profit institutions or other destinations. The method and apparatus further allows additional sources of funding such as rebates from additional credit cards, participating merchant rebate programs, incentives from banks or other financial institutions, donated airline miles and similar incentives, and payroll deductions. Likewise, the method and apparatus further allows additional destinations for a portion of the funding, including investment vehicles which are personally owned, and points or miles in airline or similar programs.