100% of the income will be donated to a local animal shelter.
Currently there is no option to choose an organization. The reason for this is that it's not viable from a financial as well as administrative point of view. Firstly, there is not enough financial commitment of users to have meaningful amounts split between multiple organizations. Secondly, it is too much logistical effort to redirect the fairly small earnings towards multiple organizations based on user prefererences.
For now, the entire income from this app will go to local animal shelters. I hope you have understanding for this decision.
The purpose of Good Tendency is to incentivize you financially to commit to your task or habit. Therefore, it does not make sense to use the app without a credit card.