You could use a field coded as:
{IF{={IF{MERGEFIELD Card}= "Yes" 1 0}*(({IF{MERGEFIELD Donate}= "Yes" 1 0}+{IF{MERGEFIELD Merit}= "Yes" 1 0}+{IF{MERGEFIELD Amount \# 0}= 0 0 1})>0)}= 1 "True Text" "False Text"}
Note: The field brace pairs (i.e. '{ }') for the above example are all created in the document itself, via Ctrl-F9 (Cmd-F9 on a Mac); you can't simply type them or copy & paste them from this message. Nor is it practical to add them via any of the standard Word dialogues. The spaces represented in the field constructions are all required.
There is a macro for turning the above into a working field code in the
Mailmerge Tips & Tricks 'Sticky' thread at the top of this forum:
https://www.msofficeforums.com/mail-...ps-tricks.html