Editor’s note: This is a recurring post with regularly updated card details.
Charity Charge Nonprofit Business Card, a charge card issued by Commerce Bank, is ideal for nonprofit organizations that can pay their balance in full each month. It comes with a $0 annual fee and offers rebates and discounts through Mastercard® Easy Savings and CHAMPS GPO.
To qualify for the card, your organization must have an active 501(c) nonprofit status and meet one of the following criteria:
- Five years in operation and $100,000 in annual revenue; or
- Two years in operation and $500,000 in annual revenue
If you wish to compare one card over another, simply choose a maximum of three cards on this page and click Add to compare to view the details in a side-by-side comparison.
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.
When grading business charge cards like the Charity Charge Nonprofit Business Card, we give the most weight to the introductory and ongoing rewards. We also rate the annual fee, late payment fee, other fees, and additional features.
Grading Criteria | Card Score | Highest Possible Score |
|---|---|---|
Introductory Rewards | 0 | 30 |
Ongoing Rewards | 20 | 30 |
Annual Fee | 10 | 10 |
Late Payment Fee | 7 | 10 |
Other Fees | 8 | 10 |
Features | 10 | 10 |
Total Score | 55 | 100 |
Who the Charity Charge Nonprofit Business Card Is Best For
- Nonprofits that can pay in full each month: Since this card is a charge card, you’ll need to pay your balance in full each month; otherwise, you’ll be charged late payment fees.
- Registered nonprofits that can meet the revenue and operation requirements: To qualify for the card, your organization must be in operation for five years with $100,000 in annual revenue or for two years in operation with $500,000 in annual revenue.
If this card isn’t the best fit for your business, see our recommended alternatives below.
Charity Charge Nonprofit Business Card Rewards
Charity Charge Nonprofit Business Card does not offer regular rewards on purchases in the form of either cash back or points. However, it provides you access to discounts and rebates to over 50,000 nationwide vendors on everyday products and services through the following features:
- Mastercard® Easy Savings: Earn automatic rebates from Mastercard® on eligible purchases at any participating merchant—no redemption required.
- CHAMPS GPO: Receive 10% to 20% discounts on various spending categories, including office supplies, medical supplies, shipping, and transportation, when you use CHAMPS Group Purchasing to manage pricing with your preferred vendors.
Charity Charge Nonprofit Business Card Features
Protection Coverage
- Mastercard® Zero Liability and ID Theft Protection: Protect yourself from unauthorized transactions in case your credit card is lost or stolen.
- MasterRental Car Coverage: Receive coverage for physical damage and theft to a rental vehicle after charging the whole transaction to your Charity Charge Nonprofit Business Card and decline the company’s rental company insurance.
- Global emergency services: Talk with a Mastercard® representative at any time to address your card-related concerns.
Cash & Business Management
- Credit history for nonprofits: Build or establish a business credit history with responsible use as account activity is reported to major business credit bureaus.
- Vendor discounts: Enjoy exclusive discounts at more than 200 national vendors through Charity Charge’s partnership with CHAMPS, and save on expenses such as office supplies and transportation.
- Easy savings through rebates: Earn automatic rebates when you use this card on travel, gas, business services, and more at over 50,000 participating vendors.
- QuickBooks Online integration: Sync your transactions directly from your account to QuickBooks Online to save time and prevent errors due to manual entry.
- Employee cards: Get as many employee cards at no additional cost, adjust individual card limits, and set temporary limit adjustments in real time.
Charity Charge Nonprofit Business Card Fees
APR
- Introductory: None
- Ongoing: N/A—balance is due in full by the payment due date
- Cash advance: 22.65% variable, which adjusts with the prime rate
- Penalty: Not indicated—all charges are due and payable by the payment due date as shown on the periodic statement
- Minimum finance charge: 50 cents
Fees
- Annual: $0
- Balance transfer: N/A
- Cash advance: 3% of the cash advance amount with a minimum of $15
- Foreign transaction: None indicated
- Late payment: 2.5% of the amount past due
- Returned payment and over-the-credit-limit: $29
- Other fees:
- Phone payment: $15 per occurrence
- Overnight delivery fee per card: $25
- Statement print fee: $2 per statement
Your due date is at least 20 days from the date of the periodic statement, so long as you have paid the previous balance in full by the due date.
- Online: Log in to your online account to make payments.
- Phone: You can call the Commerce Bank’s Commercial Cards Support Team at (855) 659-1656 to assist you with phone payments.
- In-person: Go to the nearest Commerce Bank branch to make your credit card payment.
- Mobile app: Pay via the Commerce Bank app, which you can also use to lock and unlock your card.
Charity Charge Nonprofit Business Card Alternatives
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
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
18.24% - 27.24% Variable
Annual Fee
$0
Credit Needed
Excellent, Good
- Introducing the U.S. Bank Business Triple Cash Rewards World Elite Mastercard® the card that gives back on all your eligible business needs.
- Earn $750 in cash back. Just spend $6000 on the Account Owner's card in the first 180 days of opening your account.
- Earn 3% cash back on eligible purchases at gas stations 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 net purchases.
- Earn 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center.
- 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
18.24% - 27.24% Variable
Annual Fee
$0
Credit Needed
Excellent, Good
- Introducing the U.S. Bank Business Triple Cash Rewards World Elite Mastercard® the card that gives back on all your eligible business needs.
- Earn $750 in cash back. Just spend $6000 on the Account Owner's card in the first 180 days of opening your account.
- Earn 3% cash back on eligible purchases at gas stations 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 net purchases.
- Earn 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center.
- 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
This card features the ExtendPay Plan, letting you divide your eligible balance into monthly installments without interest—you just need to pay a small monthly fee. It also comes with $0 annual fees, 0% APR on purchases for the first 12 months, a $100 statement credit for software purchases, and up to 5% cash back. It’s a great option for those needing to make significant purchases but cannot pay the balance in full.
American Express Blue Business Cash™ Card
The American Express Blue Business Cash™ Card
BEST FOR:
Those who want better cash back rewards
Intro APR
0% on purchases
Regular APR
17.74% - 25.74% 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, 17.74% – 25.74%, 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
17.74% - 25.74% 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, 17.74% – 25.74%, 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.)
It offers the flexibility to exceed your credit limit through its Expanded Buying Power feature. The amount you can spend over your limit will vary based on your credit usage, credit history, payment behavior, and other financial considerations. You can earn up to 2% cash back that will be automatically credited to your billing statement, and it charges $0 annual fees.
Emburse Spend Card
 Emburse Spend CardBEST FOR: Earning unlimited cash back rewards | |
|---|---|
Spending Limit | Load Limit |
|
|
Costs | |
| |
This is a prepaid card, which means you need to load funds into your account before you can use it to make purchases. It is a good option for those who have sufficient cash on hand and don’t want to incur debt. It has $0 annual fees, comes with a robust expense management system, and offers 1% cash back on all purchases.
Frequently Asked Questions (FAQs)
You can apply online for the Charity Charge Nonprofit Business Card. Some relevant information, such as your organization’s legal business name, employer identification number (EIN), and financial documents that cover two consecutive fiscal years, is needed for your application packet to be submitted to Commerce Bank for underwriting.
Charity Charge Nonprofit Business Card can be underwritten directly to the nonprofit organization without a personal guarantee. This means that a personal credit check isn’t required. You’ll also not be personally liable for the company’s debt obligations. However, a personal guarantee could be required in certain circumstances.
When applying online for the card, you can request a specific credit limit for your overall and individual accounts. Commerce Bank will consider your request while your application undergoes underwriting.
Bottom Line
Charity Charge Nonprofit Business Card is exclusive to the nonprofit community. You can enjoy features such as discounts and rebates on everyday purchases and Mastercard-specific benefits while being able to build or improve your nonprofit’s credit history with proper use. Note that you need to meet the minimum number of years in operation and required annual revenue to qualify for the card.
