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The best nonprofit credit cards come with features that are beneficial to your organization, such as low fees, ongoing rewards in expense categories where your organization spends the most, and reasonable APRs annual percentage rate . Our top recommendations include regular business credit cards and a few charge cards for those who prefer to pay their balance in full each month.
Here are the top eight credit cards for nonprofits:
- The American Express Blue Business Cash™ Card: Overall best business credit card for nonprofits with automatic cash back and Expanded Buying Power
- Charity Charge Nonprofit Business Card: Best for vendor discounts and no personal guarantee
- Ramp Card: Best for large organizations that need a high credit limit
- U.S. Bank Triple Cash Rewards Visa® Business Card: Best for ExtendPay® Plan and $100 annual software credit
- U.S. Bank Mastercard® Community Rewards Card: Best for unlimited rewards and no personal guarantee
- American Express® Business Gold Card: Best for earning rewards in your top two categories
- card_name: Best for travel and high welcome offer
- card_name: Best for nonprofits with significant expenses
Looking for robust expense management Business Cards? Check out Ramp Today |
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Overview of the Best Credit Cards for Nonprofits
Best For | Annual Fee | Ongoing Rewards | Credit Needed | ||
|---|---|---|---|---|---|
 American Express Blue Business Cash | Overall best business credit card for nonprofits with automatic cash back and Expanded Buying Power | $0 | Up to 2% cash back | Good to Excellent | |
 Charity Charge Nonprofit Business Card | Vendor discounts and no personal guarantee | $0 | Rebates through Mastercard® Easy Savings and discounts with CHAMPS GPO | Good to Excellent | |
 Ramp Card | Large organizations needing a high credit limit | $0 | Up to 1.5% cash back | Good to Excellent | |
 U.S. Bank Business Triple Cash Rewards Visa® Business Card | 0% APR for 12 months and $100 annual software credit | $0 | Up to 5% cash back | Good to Excellent | |
 U.S. Bank Mastercard® Community Rewards Card | Unlimited rewards and no personal guarantee | $99 | 1% cash back when you pay a $99 annual fee | None specified | |
 American Express Business Gold Card | Earning rewards in your top two categories | $375 | Up to 4x points | Good to Excellent | |
card_name | Travel and high welcome offer | annual_fees | Up to 5× points | credit_score_needed | |
card_name | Nonprofits with significant expenses | annual_fees | Up to 5% cash back | credit_score_needed |
To see how these credit cards stack up against others we have reviewed, click Add to Compare on a card below and select up to two additional credit cards for comparison.
The American Express Blue Business Cash™ Card: Overall Best Business Credit Card for Nonprofits With Automatic Cash Back & Expanded Buying Power
The American Express Blue Business Cash™ Card
BEST FOR:
Those who want better cash back rewards
Intro APR
0% on purchases
Regular APR
17.49% - 27.49% Variable
Annual Fee
No annual fee
Credit Needed
Excellent, Good
- Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.49% – 27.49%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
- Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
- From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power.
- The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
- No Annual Fee
- Terms Apply
Pros
- 0% introductory annual percentage rate (APR)
- Welcome offer
- Fixed rate rewards
- $0 annual fee
Cons
- Cash advance isn’t allowed
- Charges foreign transaction fees
- 2% cash back is capped at $50,000 in annual spending
- Expanded buying power: Enjoy flexible buying power when your business needs it. Expanded buying power gives you the freedom to spend beyond your credit limit and help get business done. While the amount you can spend above your credit limit isn't unlimited, it adjusts with your use of the card, your payment history, credit record, financial resources known to us, and other factors.
- Car rental loss and damage insurance: As a Card Member, You can be covered for damage to or theft of a rental vehicle in a covered territory when you use your eligible card to reserve and pay for the entire rental and decline the collision damage waiver at the rental company counter. (Car Rental Loss and Damage Insurance can provide coverage up to $50,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.)
Intro APR
0% on purchases
Regular APR
17.49% - 27.49% Variable
Annual Fee
No annual fee
Credit Needed
Excellent, Good
- Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.49% – 27.49%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
- Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
- From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power.
- The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
- No Annual Fee
- Terms Apply
Pros
- 0% introductory annual percentage rate (APR)
- Welcome offer
- Fixed rate rewards
- $0 annual fee
Cons
- Cash advance isn’t allowed
- Charges foreign transaction fees
- 2% cash back is capped at $50,000 in annual spending
- Expanded buying power: Enjoy flexible buying power when your business needs it. Expanded buying power gives you the freedom to spend beyond your credit limit and help get business done. While the amount you can spend above your credit limit isn't unlimited, it adjusts with your use of the card, your payment history, credit record, financial resources known to us, and other factors.
- Car rental loss and damage insurance: As a Card Member, You can be covered for damage to or theft of a rental vehicle in a covered territory when you use your eligible card to reserve and pay for the entire rental and decline the collision damage waiver at the rental company counter. (Car Rental Loss and Damage Insurance can provide coverage up to $50,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.)
Why We Like It
The best thing about the American Express Blue Business Cash™ Card is its Expanded Buying Power feature, which lets you spend over your credit limit when you need to. The amount you can spend adjusts based on your credit usage, credit score, and payment behavior. You can earn cash back rewards on your purchases, which will be automatically credited to your billing statement without manual redemption. Plus, it offers instant card numbers soon after approval, making it a great option if you need to use your card right away.
- 2% cash back on all eligible purchases of up to $50,000 per calendar year, then 1% cash back thereafter
- $250 statement credit as a welcome offer when you spend at least $3,000 in purchases within the first three months of opening an account
- 0% APR on purchases for the first 12 months
- $0 annual fee
Charity Charge Nonprofit Business Card: Best for Vendor Discounts & No Personal Guarantee
Charity Charge Nonprofit Business Card
BEST FOR:
Nonprofits that want to receive exclusive vendor discounts and rebates
Intro APR
N/A
Regular APR
None as balance is due in full by the payment due date
Annual Fee
$0
Credit Needed
Good - Excellent
- While Charity Charge Nonprofit Business Card does not offer cash back or points rewards for its new and existing cardholders, it offers discounts and rebates through Mastercard® Easy Savings and CHAMPS GPO
Pros
- Does not charge annual fees
- Offers automatic rebates and discounts
Cons
- Balance is due in full each month
- Has strict eligibility requirements
- Does not have 0% introductory period
- First four months free for Microsoft 365: Get the first four months free after getting a one-year subscription to Office apps such as Word, PowerPoint, and Excel.
- No personal guarantee: This card requires no personal guarantee, which means it doesn’t require a personal credit check. Plus, you aren’t personally liable for the company’s debt obligations.
- Employee cards: You can order as many employee cards on your original application or after your account is established. You can also adjust individual cards and set temporary limit adjustments in real time.
Intro APR
N/A
Regular APR
None as balance is due in full by the payment due date
Annual Fee
$0
Credit Needed
Good - Excellent
- While Charity Charge Nonprofit Business Card does not offer cash back or points rewards for its new and existing cardholders, it offers discounts and rebates through Mastercard® Easy Savings and CHAMPS GPO
Pros
- Does not charge annual fees
- Offers automatic rebates and discounts
Cons
- Balance is due in full each month
- Has strict eligibility requirements
- Does not have 0% introductory period
- First four months free for Microsoft 365: Get the first four months free after getting a one-year subscription to Office apps such as Word, PowerPoint, and Excel.
- No personal guarantee: This card requires no personal guarantee, which means it doesn’t require a personal credit check. Plus, you aren’t personally liable for the company’s debt obligations.
- Employee cards: You can order as many employee cards on your original application or after your account is established. You can also adjust individual cards and set temporary limit adjustments in real time.
Why We Like It
The Charity Charge Nonprofit Business Card is built exclusively for the nonprofit community. It does not require a personal guarantee, which means you won’t be held personally liable for your nonprofit organization’s financial obligations. Plus, you can earn rebates through the Mastercard® Easy Savings program and enjoy exclusive discounts through CHAMPS GPO. Note that your entire balance is due every billing cycle.
- Mastercard® Easy Savings provides automatic rebates on selected merchants
- 10% to 20% discounts on office supplies, shipping, transportation, medical supplies, and more when CHAMPS Group Purchasing manages pricing with your preferred vendors
- Credit history for nonprofits
- Unlimited cards at no additional costs and adjustable limits
- Online tools and account management, including QuickBooks integration and real-time monitoring of transactions online
Ramp Card: Best for Large Organizations That Need a High Credit Limit
Ramp Credit Card
BEST FOR:
Those who are using Ramp as their main financial management tool
Intro APR
None
Regular APR
None
Annual Fee
$0
Credit Needed
Poor to Excellent
- Up to 1.5% cash back on purchases, regardless of spending categories
Pros
- Offers rewards for cardholders
- Does not charge additional fees
- Integrates with accounting software, such as QuickBooks and Xero
Cons
- Requires paying balances in full each month
- Is unavailable to sole proprietors and unincorporated businesses
- Travel and emergency assistance services: Call the Benefit Administrator at (800) 397-9010 if you are in the United States or (303) 967-1093 if you are outside of the US if you need emergency assistance.
- Purchase security: Receive a maximum of $10,000 per claim and $50,000 per cardholder in cases of theft or damage to purchases made with your card.
- Auto rental collision damage waiver: When using this card for renting a car, you can be reimbursed for damages caused by theft or collision up to the Actual Cash Value of most rented cars. Note that rental periods of 31 consecutive days are covered.
- Extended warranty protection: Extend warranties for eligible purchases made with your covered account and/or rewards programs associated with your account.
Intro APR
None
Regular APR
None
Annual Fee
$0
Credit Needed
Poor to Excellent
- Up to 1.5% cash back on purchases, regardless of spending categories
Pros
- Offers rewards for cardholders
- Does not charge additional fees
- Integrates with accounting software, such as QuickBooks and Xero
Cons
- Requires paying balances in full each month
- Is unavailable to sole proprietors and unincorporated businesses
- Travel and emergency assistance services: Call the Benefit Administrator at (800) 397-9010 if you are in the United States or (303) 967-1093 if you are outside of the US if you need emergency assistance.
- Purchase security: Receive a maximum of $10,000 per claim and $50,000 per cardholder in cases of theft or damage to purchases made with your card.
- Auto rental collision damage waiver: When using this card for renting a car, you can be reimbursed for damages caused by theft or collision up to the Actual Cash Value of most rented cars. Note that rental periods of 31 consecutive days are covered.
- Extended warranty protection: Extend warranties for eligible purchases made with your covered account and/or rewards programs associated with your account.
Why We Like It
Ramp is a corporate charge card designed for large organizations needing a high credit limit, as it offers up to 20× higher credit limits than traditional business credit cards. What’s more, you can earn unlimited cash back on all your purchases and benefit from time-saving software.
- Up to 1.5% cash back on all purchases
- $0 annual and foreign transaction fees
- No personal credit check
- No personal guarantee
- Seamless platform with robust controls (you can set individual limits, block merchants, and monitor spending)
U.S. Bank Triple Cash Rewards Visa® Business Card: Best for ExtendPay® Plan & $100 Annual Software Credit
U.S. Bank Triple Cash Rewards Visa® Business Card
BEST FOR:
Those wanting to earn up to 5% cash back on selected spending categories
Intro APR
0% intro on purchases for 12 billing cycles
Regular APR
17.99% - 26.99% Variable
Annual Fee
$0
Credit Needed
Excellent, Good
- Earn $500 in cash back. Just spend $4,500 on the Account Owner's card in the first 150 days of opening your account.
- Earn 3% cash back on eligible purchases at gas and EV charging stations (transactions of $200 or less)*, office supply stores, cell phone service providers and restaurants (*excludes discount stores/supercenters and wholesale clubs).
- 1% cash back on all other eligible purchases.
- Earn 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center when using your card.
- Take control of your card spend with U.S. Bank Spend Management—a game-changing platform for monitoring and managing business expenses.
- No limit on total cash back earned.
- Redeem Cash Rewards right away or save them for later. Cash Rewards do not expire as long as the account remains active.
- Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or QuickBooks.
- Terms and conditions apply.
Pros
- 0% purchase APR for 12 months
- $0 annual fee
- U.S. Bank ExtendPay® Plan feature
Cons
- No 0% APR on balance transfers
- Charges balance transfer and foreign transaction fees
- MasterRental car rental collision damage waiver: When you rent a car using your U.S. Bank credit card, you’re covered in case of accident or theft on all rentals made worldwide. Coverage is primary, which means you won’t need to use your personal auto insurance or accept the insurance offered by the rental agency. Coverage is capped at $50,000.
- Purchase assurance: U.S. Bank may repair or reimburse for items purchased with your U.S. Bank business credit card that are damaged or stolen within 90 days of purchase. Coverage is limited to $1,000 per loss, up to $25,000 per year, per account. Lost items and items left out of reach that others can see are not covered.
- Extended warranty protection: U.S. Bank will double the manufacturer’s warranty up to an additional one year from the expiration of warranties of five years or less. An item with a six-month warranty would be backed for an additional six months, for example. The issuer will replace the item or reimburse you up to the amount charged on your U.S. Bank card up to $10,000.
- U.S. Bank ExtendPay® Plan: Pay off your eligible balance over time with this feature without interest—just pay a small monthly fee
Intro APR
0% intro on purchases for 12 billing cycles
Regular APR
17.99% - 26.99% Variable
Annual Fee
$0
Credit Needed
Excellent, Good
- Earn $500 in cash back. Just spend $4,500 on the Account Owner's card in the first 150 days of opening your account.
- Earn 3% cash back on eligible purchases at gas and EV charging stations (transactions of $200 or less)*, office supply stores, cell phone service providers and restaurants (*excludes discount stores/supercenters and wholesale clubs).
- 1% cash back on all other eligible purchases.
- Earn 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center when using your card.
- Take control of your card spend with U.S. Bank Spend Management—a game-changing platform for monitoring and managing business expenses.
- No limit on total cash back earned.
- Redeem Cash Rewards right away or save them for later. Cash Rewards do not expire as long as the account remains active.
- Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or QuickBooks.
- Terms and conditions apply.
Pros
- 0% purchase APR for 12 months
- $0 annual fee
- U.S. Bank ExtendPay® Plan feature
Cons
- No 0% APR on balance transfers
- Charges balance transfer and foreign transaction fees
- MasterRental car rental collision damage waiver: When you rent a car using your U.S. Bank credit card, you’re covered in case of accident or theft on all rentals made worldwide. Coverage is primary, which means you won’t need to use your personal auto insurance or accept the insurance offered by the rental agency. Coverage is capped at $50,000.
- Purchase assurance: U.S. Bank may repair or reimburse for items purchased with your U.S. Bank business credit card that are damaged or stolen within 90 days of purchase. Coverage is limited to $1,000 per loss, up to $25,000 per year, per account. Lost items and items left out of reach that others can see are not covered.
- Extended warranty protection: U.S. Bank will double the manufacturer’s warranty up to an additional one year from the expiration of warranties of five years or less. An item with a six-month warranty would be backed for an additional six months, for example. The issuer will replace the item or reimburse you up to the amount charged on your U.S. Bank card up to $10,000.
- U.S. Bank ExtendPay® Plan: Pay off your eligible balance over time with this feature without interest—just pay a small monthly fee
Why We Like It
One of the U.S. Bank Triple Cash Rewards Visa® Business Card’s unique features is its ExtendPay® Plan, which lets you pay off your eligible balance in monthly installments without interest—just a small monthly fee. If your nonprofit also spends on software subscriptions, you will receive an annual $100 statement credit, helping you save money on this recurring expense.
- 5% cash back on prepaid hotels and car rentals when you book directly through the Travel Rewards Center
- 3% cash back at gas and electric vehicle (EV) charging stations, office supply stores, cell phone service providers, and restaurants
- 1% cash back on all other purchases
- $500 in cash back when you spend $4,500 in the first 150 days of opening your account
- $0 annual fee
- 0% APR on purchases for the first 12 months
U.S. Bank Mastercard® Community Rewards Card: Best for Unlimited Rewards & No Personal Guarantee
U.S. Bank Mastercard® Community Rewards Card
Intro APR
N/A
Regular APR
N/A (Pay-in-full card)
Annual Fee
$99
Credit Needed
- 1% cash back on all purchases
Pros
- No personal guarantee required
- Can maintain same card program while changing officers and users
Cons
- No sign up bonus
- Need to pay annual fee to earn rewards
- Online application is not available
- Free employee cards
- Consolidated statements and detailed spending analysis
- Identity theft resolution
- Two ways to earn cash: making purchasing and taking payments/donations
Intro APR
N/A
Regular APR
N/A (Pay-in-full card)
Annual Fee
$99
Credit Needed
- 1% cash back on all purchases
Pros
- No personal guarantee required
- Can maintain same card program while changing officers and users
Cons
- No sign up bonus
- Need to pay annual fee to earn rewards
- Online application is not available
- Free employee cards
- Consolidated statements and detailed spending analysis
- Identity theft resolution
- Two ways to earn cash: making purchasing and taking payments/donations
Why We Like It
The U.S. Bank Mastercard® Community Rewards Card is specifically designed for nonprofits, municipalities, and government entities. It doesn’t need a personal guarantee and charges a low annual fee of $99. Plus, you’ll earn unlimited cash back on your purchases, as well as rebates at selected merchants through the Mastercard Easy Savings® program.
- 1% cash back on all qualifying net purchases
- Automatic rebates at selected participating merchants through the Mastercard Easy Savings® program
- Various rewards redemption options, including the following:
- As a deposit into your U.S. Bank business checking, savings, or money market account.
- As a statement credit to your credit card account
- Through a U.S. Bank Rewards Card
- Other Mastercard benefits, including the Car Rental Collision Damage Waiver Insurance and ID Theft Protection™
- Detailed spending analysis
American Express® Business Gold Card: Best for Earning Rewards in Your Top Two Categories
American Express® Business Gold Card
BEST FOR:
Maximizing rewards in the two categories where you spend the most
Intro APR
0% on purchases
Regular APR
18.49% - 29.24% Variable
Annual Fee
$375
Credit Needed
Excellent, Good
- Welcome Offer: Earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
- 0% Intro APR ¤ for 6 months from the date of account opening on purchases eligible for Pay Over Time, then a 18.49% to 29.24% variable APR.*
- Earn 4X Membership Rewards® points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.*
- Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.*
- Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.*
- Get up to a $12.95** statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. **Up to $12.95 plus applicable taxes on one membership fee.*
- The Business Gold Card comes in three metal designs: Gold, Rose Gold and White Gold. Make your selection when you apply on Americanexpress.com.
- *Terms Apply
Pros
- Earn 4x points in two categories every month
- Pay eligible charges over time with interest, or pay your balance in full monthly
Cons
- You’ll pay a high annual fee
- No interest-free financing opportunities
- Premium roadside assistance: Free of charge up to four times a year. You can receive towing up to 10 miles, winching, jump-starts, flat tire changes, lockout service when the key is in the vehicle, and delivery of up to two gallons of gas
- Return protection: American Express will refund you for eligible purchases when the store doesn’t accept returns of undamaged items. Coverage is limited to 90 days from purchase, up to $300 per item, and up to a maximum of $1,000 per year.
- Baggage insurance: If your baggage is lost, damaged, or stolen, you’re eligible for coverage of up to $1,250 for carry-on luggage and $500 for checked bags
- Extended warranty: Receive one additional year of coverage on purchases with eligible warranties of five years or less
- Purchase protection: Covers new purchases against damage or theft within 90 days of purchase. Coverage is limited to $1,000 per incident.
Intro APR
0% on purchases
Regular APR
18.49% - 29.24% Variable
Annual Fee
$375
Credit Needed
Excellent, Good
- Welcome Offer: Earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
- 0% Intro APR ¤ for 6 months from the date of account opening on purchases eligible for Pay Over Time, then a 18.49% to 29.24% variable APR.*
- Earn 4X Membership Rewards® points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.*
- Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.*
- Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.*
- Get up to a $12.95** statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. **Up to $12.95 plus applicable taxes on one membership fee.*
- The Business Gold Card comes in three metal designs: Gold, Rose Gold and White Gold. Make your selection when you apply on Americanexpress.com.
- *Terms Apply
Pros
- Earn 4x points in two categories every month
- Pay eligible charges over time with interest, or pay your balance in full monthly
Cons
- You’ll pay a high annual fee
- No interest-free financing opportunities
- Premium roadside assistance: Free of charge up to four times a year. You can receive towing up to 10 miles, winching, jump-starts, flat tire changes, lockout service when the key is in the vehicle, and delivery of up to two gallons of gas
- Return protection: American Express will refund you for eligible purchases when the store doesn’t accept returns of undamaged items. Coverage is limited to 90 days from purchase, up to $300 per item, and up to a maximum of $1,000 per year.
- Baggage insurance: If your baggage is lost, damaged, or stolen, you’re eligible for coverage of up to $1,250 for carry-on luggage and $500 for checked bags
- Extended warranty: Receive one additional year of coverage on purchases with eligible warranties of five years or less
- Purchase protection: Covers new purchases against damage or theft within 90 days of purchase. Coverage is limited to $1,000 per incident.
Why We Like It
With American Express® Business Gold Card, you don’t have to second guess where your organization will spend the most because it lets you earn premium rewards on your top two spending categories, allowing you to maximize your rewards-earning potential. While it charges a high annual fee of $375, it comes with several perks like a $0 foreign transaction fee and baggage insurance plan.
- 4× points per dollar on the first $150,000 in combined purchases on the top two business categories each calendar year, including the following:
- Purchases at US media providers for advertising in select media (online, TV, radio)
- U.S. purchases made from electronic goods retailers and software & cloud system providers
- U.S. purchases at restaurants, including takeout and delivery
- U.S. purchases at gas stations
- Transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways
- Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S.
- 3× points per dollar on flights and prepaid hotels booked on amextravel.com
- 1× points per dollar on all other eligible purchases
- 100,000 Membership Rewards® points after spending $15,000 on eligible purchases within the first three months of opening an account
- Up to $240 annual credit for eligible US purchases at FedEx, Grubhub, and office supply stores, $20 in statement credits monthly, enrollment required
- Up to $155 annual credit for Walmart+ membership
- No preset spending limit—the amount you can spend adapts based on your purchase, payment, and credit history
card_name: Best for Travel & High Welcome Offer
card_name
BEST FOR:
Maximizing travel rewards at a lower annual fee
Intro APR
intro_apr_rate,intro_apr_duration
Regular APR
reg_apr,reg_apr_type
Annual Fee
annual_fees
Credit Needed
credit_score_needed
- Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®
- Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
- Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards®
- Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
- Member FDIC
Pros
- Reward points are worth 25% more when you redeem for travel through the Chase Ultimate Rewards® card
- Comprehensive travel and purchase protection
- $0 foreign transaction fees
Cons
- No interest-free financing option on both purchases and balance transfers
- With annual fee
- Need to make extremely large purchases to qualify for the welcome offer
- Cellphone protection: Get up to $1,000 per claim in cellphone protection against covered theft or damage for you and your employees listed on your monthly cellphone bill
- Purchase protection: Can cover your new purchases for 120 days against damage or theft of up to $10,000 per claim and $50,000 per account
- Extended warranty protection: You can extend the period of the United States manufacturer’s warranty by an additional year, on eligible warranties of three years or less.
- Fraud monitoring: Chase will help keep your accounts safe with account alerts―and you can choose how you’d like to receive them
- Free employee cards: You can create employee cards at no additional cost, and lets you set individual spending limits―helping you earn rewards even faster
Intro APR
intro_apr_rate,intro_apr_duration
Regular APR
reg_apr,reg_apr_type
Annual Fee
annual_fees
Credit Needed
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- Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®
- Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
- Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards®
- Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
- Member FDIC
Pros
- Reward points are worth 25% more when you redeem for travel through the Chase Ultimate Rewards® card
- Comprehensive travel and purchase protection
- $0 foreign transaction fees
Cons
- No interest-free financing option on both purchases and balance transfers
- With annual fee
- Need to make extremely large purchases to qualify for the welcome offer
- Cellphone protection: Get up to $1,000 per claim in cellphone protection against covered theft or damage for you and your employees listed on your monthly cellphone bill
- Purchase protection: Can cover your new purchases for 120 days against damage or theft of up to $10,000 per claim and $50,000 per account
- Extended warranty protection: You can extend the period of the United States manufacturer’s warranty by an additional year, on eligible warranties of three years or less.
- Fraud monitoring: Chase will help keep your accounts safe with account alerts―and you can choose how you’d like to receive them
- Free employee cards: You can create employee cards at no additional cost, and lets you set individual spending limits―helping you earn rewards even faster
Why We Like It
The card_name lets you earn 90,000 bonus points after you spend $8,000 in the first three months after account opening, as well as up to 5 points on your regular purchases. You can redeem your rewards in various ways, including cash back, gift cards, travel experiences, and more through Chase Ultimate Rewards. If you redeem for travel, your points are worth 25% more.
- 5×points per dollar on Lyft rides through March 2025
- 3× points per dollar spent on the first $150,000 spent in combined purchases in selected categories for each account anniversary year—categories include travel, shipping purchases, advertising on search engines and social media sites, and expenses on internet, cable, and phone services
- Unlimited 1× point per dollar spent on all other purchases
- Low annual fee of $95
- $0 foreign transaction fees
- Chase Pay Over Time feature lets you pay off an eligible purchase of $100 or more in smaller, equal monthly payments with no interest, just a fixed monthly fee with plan durations ranging from three to 24 months
card_name: Best for Nonprofits with Significant Expenses
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BEST FOR:
Businesses that want simple yet generous cash back
Intro APR
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Regular APR
reg_apr,reg_apr_type
Annual Fee
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Credit Needed
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- Earn $4,000+ in bonuses: $2K when you spend $30K in the first 3 months and $2K for every $500K spent in the first year.
- Get 2% cash back on all business-related purchases without limits or category restrictions.
- Unlimited 5% cash back on hotels and rental cars booked through Capital One Travel.
Pros
- With welcome offer
- Offers unlimited 2% cash back on all purchases
Cons
- Charges annual fee
- Requires excellent credit to qualify
- Payment flexibility: Pick your preferred monthly due date to control when to pay your credit card bill.
- $0 fraud liability: You can get an emergency replacement and cash advance if your card is lost or stolen.
- Extended warranty: Get free additional warranty and protection on selected items purchased with your card
- Roadside assistance: Capital One offers services to help you during auto-related emergencies, such as jump-starting, tire changing, and towing).
- Free employee cards and spend limits: Track employee spending while earning all rewards from their purchases and set customized spending limits for each card.
Intro APR
intro_apr_rate,intro_apr_duration
Regular APR
reg_apr,reg_apr_type
Annual Fee
annual_fees
Credit Needed
credit_score_needed
- Earn $4,000+ in bonuses: $2K when you spend $30K in the first 3 months and $2K for every $500K spent in the first year.
- Get 2% cash back on all business-related purchases without limits or category restrictions.
- Unlimited 5% cash back on hotels and rental cars booked through Capital One Travel.
Pros
- With welcome offer
- Offers unlimited 2% cash back on all purchases
Cons
- Charges annual fee
- Requires excellent credit to qualify
- Payment flexibility: Pick your preferred monthly due date to control when to pay your credit card bill.
- $0 fraud liability: You can get an emergency replacement and cash advance if your card is lost or stolen.
- Extended warranty: Get free additional warranty and protection on selected items purchased with your card
- Roadside assistance: Capital One offers services to help you during auto-related emergencies, such as jump-starting, tire changing, and towing).
- Free employee cards and spend limits: Track employee spending while earning all rewards from their purchases and set customized spending limits for each card.
Why We Like It
With card_name, you’ll receive a $2,000 cash back once you spend $30,000 in the first three months of card ownership. This is ideal for those with significant expenses because you’ll earn an additional $2,000 cash bonus for every $500,000 spent during the first year. Note that you need to pay your full balance each month.
- 5% cash back on hotels and rental cars booked through Capital One Travel
- 2% cash back on all other purchases
- $150 annual fee refund when you spend $150,000 annually
- No preset spending limit, so your credit limit adjusts based on your needs and other financial considerations
- $0 foreign transaction fees
How We Selected the Best Nonprofit Credit Cards
We selected the best credit cards for nonprofits based on features that may be valuable to nonprofit organizations, like premium rewards on specific categories or fixed-rate rewards. We prioritize cards that are specifically designed for nonprofits and government entities. We also considered the introductory and ongoing rewards, low or no annual fees, and reasonable interest rates, which are ways that can help your organization save money.
Frequently Asked Questions (FAQs)
Nonprofits with recurring expenses should apply for a business credit card. For example, a business credit card may be helpful if your organization holds events regularly. It provides your organization with direct access to funds even when it’s falling short on donations.
A business credit card provides easier access to capital, helping you with your funding needs. You can also benefit from rewards, like cash back or points. What’s more, business credit cards can help build credit for your organization. Good credit is essential if you want your organization to be eligible for other financing options. Besides that, it also makes your organization more appealing to corporations offering investment opportunities and grants.
The application process varies among credit card issuers. Usually, issuers will check the personal credit score of the nonprofit organization’s executive director or board chair. Most issuers will require a personal guarantee from the authorized representative of the nonprofit organization, while some don’t.
You may also need to submit requirements, such as the representatives’ identification documents, proof of revenue, and nonprofit registration. As these requirements vary per issuer, it’s best to check with your chosen credit card company before you apply.
To choose the best nonprofit credit card for your organization, compare options that offer no or low annual fees, generous reward programs, and other perks that may be useful for your cause. Consider the expense categories where your organization spends the most, and find a card that rewards you on those categories. On top of that, consider how you can redeem the rewards. A card that lets you use rewards for charitable donations may also be a good option.
To accept credit card donations, you need to find a payment processor or online donation tool that works with your nonprofit’s Customer Relationship Management (CRM) system. Examples of payment processors are PayPal and Stripe—they offer a platform for your target audience to donate to your cause. You may also use actual donation tools like Fundly and DonorBox, which offer more features that your organization may find useful.
Keep in mind that these platforms may have fees, so it’s best to check how much they cost and choose one that works best for your organization.
Bottom Line
The best nonprofit credit card lets you earn rewards for your purchases, especially in spending categories where you spend the most. Choose a card that offers features that are beneficial to your organization. In addition, consider other perks that may be useful, including a 0% introductory APR, a $0 annual fee, welcome offers, and expense reporting tools.
Fit Small Business has partnered with CardRatings for our coverage of credit card products. Fit Small Business and CardRatings may receive a commission from card issuers.
