As you all know credit cards typically offer a bonus for making a certain spend for example the most recent offer for 100k AA miles for 10k spend (expired by now) . Some people may find it difficult to make spend which is why Kiva can be useful . Using Kiva you can loan other people money (get interest). You can use your credit card with Kiva ! so you can easily make spend and help out other people . I would suggest you choose safe projects in the only goal is credit card spend but it is up to you .
As you can see the process is very simple . Did i mention you can use your credit card on KIVA? lol .
Example statistics of Kiva (not updated ) are shown above so please do explore the options before you decide on it. You can check out Kiva by Clicking here and be sure to let me know if it worked for you or not.