Charity Charge Nonprofit Business Card Review for 2023
This article is part of a larger series on Best Small Business Credit Cards.
Charity Charge Nonprofit Business Card, issued by Commerce Bank, is a charge card designed for nonprofit organizations that can pay their balance in full each month. It charges no annual fee and offers up to a 20% discount on office supplies, transportation, and wireless expenses.
To qualify for the card, nonprofits must have an active 501(c) nonprofit status and fulfill at least one of the following criteria below to qualify for the card:
- Five years in operation and $100,000 in annual revenue.
- 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 wanting 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. Failure to do so will result in late payment fees.
If this card isn’t the best fit for your business, go to our recommended alternatives below.
Charity Charge Nonprofit Business Card Rewards
While Charity Charge Nonprofit Business Card does not offer rewards (cash back or points) for its new and existing cardholders, it provides you access to discounts and rebates to over 50,000 nationwide vendors on everyday products and services:
- Mastercard® Easy Savings: With the Charity Charge Nonprofit Business Card, you’ll earn automatic rebates from Mastercard®. When you use your Mastercard business card to pay for eligible purchases at any participating merchant, your rebates will be applied to your account automatically.
- CHAMPS GPO: Enjoy 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: You won’t be responsible for any unauthorized transactions in case your credit card is lost or stolen. The zero liability protection applies to purchases made in the store, over the telephone, online, or via a mobile device, and ATM transactions.
- 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: You can talk with a Mastercard® representative at any time to address your card-related concerns.
Cash & Business Management
- Vendor discounts: You’ll receive exclusive discounts at more than 200 national vendors through Charity Charge’s partnership with CHAMPS. You can save on expenses such as office supplies, transportation, wireless, and more, and can enjoy up to 20% discounts with no enrollment fees and no purchasing minimum.
- Easy savings through rebates: You can earn automatic rebates when you use this card on travel, gas, business services, and more at participating vendors. You don’t need to use codes, and no redemption is required. Rebates will be posted to your account automatically.
- QuickBooks Online integration: You can have your transactions synced directly from your account to QuickBooks Online to save time and prevent errors due to manual entry.
- Employee cards: You can order as many employee cards on your original application or after your account is established. You can also adjust individual card limits and set temporary limit adjustments in real time.
Partner Discounts
- 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.
- Discount on Intuit QuickBooks®: Save 40% on QuickBooks Online or 50% on QuickBooks Self-Employed for 12 months after making purchases with your Charity Charge Nonprofit Business Card.
Charity Charge Nonprofit Business Card Fees
Annual Percentage Rate (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
Fees
- Annual: None
- Balance transfer: N/A
- Minimum finance charge: $0.50
- 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.
When To Consider Charity Charge Nonprofit Business Card Alternatives
You Prefer Having a 0% Introductory Period and Earning Rewards
If you want a business card that offers a 0% introductory period and rewards, consider the U.S. Bank Business Triple Cash Rewards World Elite Mastercard®. Its 0% introductory period and premium rewards are why it is part of our lists of the best small business credit cards, best credit cards for new businesses with no credit history, and best business credit cards for balance transfers.
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
BEST FOR:
0% APR for 15 billing cycles
Intro APR
Regular APR
19.24% - 28.24% (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 $500 in cash back. Just spend $4500 on the Account Owner's card in the first 150 days of opening your account.
- Earn 3% cash back on eligible purchases at gas stations and EV charging stations, office supply stores, cell phone service providers and restaurants.
- 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.
- Rewards never expire.
- Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or quickbooks
- 0% Intro APR on purchases and balance transfers for 15 billing cycles. After that, a variable APR currently 19.24% - 28.24%.
- No annual fee.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022
- Terms and conditions apply
- Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan.
Pros
- 0% APR applies to both purchases and balance transfers
- Unlimited cash back rewards
- No annual fee
Cons
- Balance transfer fee is charged even during the introductory period
- Intro APR doesn’t apply to cash advances
- 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.
Intro APR
Regular APR
19.24% - 28.24% (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 $500 in cash back. Just spend $4500 on the Account Owner's card in the first 150 days of opening your account.
- Earn 3% cash back on eligible purchases at gas stations and EV charging stations, office supply stores, cell phone service providers and restaurants.
- 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.
- Rewards never expire.
- Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or quickbooks
- 0% Intro APR on purchases and balance transfers for 15 billing cycles. After that, a variable APR currently 19.24% - 28.24%.
- No annual fee.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022
- Terms and conditions apply
- Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan.
Pros
- 0% APR applies to both purchases and balance transfers
- Unlimited cash back rewards
- No annual fee
Cons
- Balance transfer fee is charged even during the introductory period
- Intro APR doesn’t apply to cash advances
- 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.
Your Business Expenses Revolve on Office Supplies, Internet, Cable, and Phone Services
Charity Charge Nonprofit Business Card does not offer rewards for new and existing cardholders. If your business expenses revolve around printing letters and grant proposals, calling on donors, and inviting them to events, our recommendation is the Chase Ink Business Cash®. It lets you earn premium rewards on office supplies, internet, cable, and phone services. Its premium rewards and a 0% introductory period on purchases made it our top business credit card for nonprofits and top-recommended limited liability company (LLC) credit card.
Ink Business Cash® Credit Card
BEST FOR:
Office-based businesses that want top cash back rewards
Intro APR
0% Intro APR on Purchases
Regular APR
18.49% - 24.49% Variable
Annual Fee
$0
Credit Needed
Good - Excellent
- Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
- Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
- Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back 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.
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- 0% introductory APR for 12 months on purchases
- Member FDIC
Pros
- Top rewards for office supply spending
- Introductory APR on purchases
- Cash sign-up bonus
Cons
- 0% APR doesn’t apply to balance transfers
- High balance transfer fee of 5%
- Designed mainly for office-oriented companies
- Auto rental collision damage waiver: Coverage is primary—meaning it replaces any coverage your personal insurance might offer—when renting for business purposes. It provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most cars in the United States and abroad.
- Purchase protection: Covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account per year.
- Extended warranty protection: Extends the time period of the United States manufacturer’s warranty by an additional year on eligible warranties of three years or less.
Intro APR
0% Intro APR on Purchases
Regular APR
18.49% - 24.49% Variable
Annual Fee
$0
Credit Needed
Good - Excellent
- Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
- Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
- Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back 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.
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- 0% introductory APR for 12 months on purchases
- Member FDIC
Pros
- Top rewards for office supply spending
- Introductory APR on purchases
- Cash sign-up bonus
Cons
- 0% APR doesn’t apply to balance transfers
- High balance transfer fee of 5%
- Designed mainly for office-oriented companies
- Auto rental collision damage waiver: Coverage is primary—meaning it replaces any coverage your personal insurance might offer—when renting for business purposes. It provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most cars in the United States and abroad.
- Purchase protection: Covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account per year.
- Extended warranty protection: Extends the time period of the United States manufacturer’s warranty by an additional year on eligible warranties of three years or less.
You Want Flexibility to Exceed Your Credit Limit
Charity Charge Nonprofit Business Card won’t give you the flexibility to exceed your credit limit. If you want this particular feature, we suggest the American Express Blue Business CashTM, as it offers expanded buying power—allowing you to spend beyond your credit limit. Note that the amount will adjust depending on your usage, payment history, credit record, and financial resources.
The American Express Blue Business Cash™ Card
BEST FOR:
Those who want better cash back rewards
Intro APR
0% on purchases
Regular APR
18.49% - 26.49% Variable
Annual Fee
No annual fee
Credit Needed
Good, Excellent
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% - 26.49%, 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.
- Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us and other factors.
- No Annual Fee
- Terms Apply
Pros
- 0% intro APR
- Welcome bonus
- 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.
Intro APR
0% on purchases
Regular APR
18.49% - 26.49% Variable
Annual Fee
No annual fee
Credit Needed
Good, Excellent
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% - 26.49%, 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.
- Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us and other factors.
- No Annual Fee
- Terms Apply
Pros
- 0% intro APR
- Welcome bonus
- 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.
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 a business card that’s exclusive to the nonprofit community. You can enjoy features, such as online card controls, dedicated customer care, discounts and rebates on everyday purchases, and Mastercard-specific benefits without having to pay an annual fee. Note that you need to meet the minimum number of years in operation and required annual revenue to qualify for the card.
