Charity Charge Nonprofit Business Card Review for 2023
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This article is part of a larger series on Best Small Business Credit Cards.
The Charity Charge Nonprofit Business Card is a charge card designed for nonprofit organizations that can pay their balance in full each month. It requires no personal guarantee, charges no annual fee, and offers up to a 20% discount on office supplies, transportation, and wireless expenses. To be eligible, the nonprofit should be in operation for at least five years with a minimum annual revenue of $100,000 or at least two years with a minimum annual revenue of $500,000.
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:
Receiving exclusive vendor discounts
Intro APR
N/A
Regular APR
N/A - balance is due in full by the payment due date
Annual Fee
$0
Credit Needed
Good - Excellent
- Up to 4% rebate on hotel bookings and dining
- Up to 1% rebate on fuel
- 5% rebate on Duns % Bradstreet
- 5% cashback on Microsoft advertising
- 10% rebate on Snapchat advertising
- 20% off with Dropbox
Pros
- No annual fee
- Automatic rebates
- Mastercard benefits
Cons
- Balance is due in full each month
- Strict eligibility requirements
- Vendor discounts: You’ll receive exclusive discounts at more than 200 national vendors through Purchasing Point. These include discounts on services at businesses such as FedEx and Enterprise Rent-A-Car. You can find all available vendors on the Purchasing Point’s vendor page.
- 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.
- Extended warranty protection: Doubles the existing manufacturer’s warranty up to $10,000 per incident and $50,000 per cardholder per year.
- Purchase assurance: Replaces new purchases that are damaged or stolen within 90 days of purchase. Coverage is limited to $10,000 per incident and $50,000 per cardholder per year.
Intro APR
N/A
Regular APR
N/A - balance is due in full by the payment due date
Annual Fee
$0
Credit Needed
Good - Excellent
- Up to 4% rebate on hotel bookings and dining
- Up to 1% rebate on fuel
- 5% rebate on Duns % Bradstreet
- 5% cashback on Microsoft advertising
- 10% rebate on Snapchat advertising
- 20% off with Dropbox
Pros
- No annual fee
- Automatic rebates
- Mastercard benefits
Cons
- Balance is due in full each month
- Strict eligibility requirements
- Vendor discounts: You’ll receive exclusive discounts at more than 200 national vendors through Purchasing Point. These include discounts on services at businesses such as FedEx and Enterprise Rent-A-Car. You can find all available vendors on the Purchasing Point’s vendor page.
- 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.
- Extended warranty protection: Doubles the existing manufacturer’s warranty up to $10,000 per incident and $50,000 per cardholder per year.
- Purchase assurance: Replaces new purchases that are damaged or stolen within 90 days of purchase. Coverage is limited to $10,000 per incident and $50,000 per cardholder per year.
How We Evaluate Business Charge Cards
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 | 25 | 30 |
Annual Fee | 10 | 10 |
Late Payment Fee | 10 | 30 |
Other Fees | 8 | 10 |
Features | 10 | 10 |
Total Score | 63 | 100 |
Who the Charity Charge Nonprofit Business Card Is Best For
- Nonprofits in operation for five years: Nonprofit organizations in operation for at least five years, with annual revenue of $100,000 or more, are eligible for the Charity Charge Nonprofit Business Card.
Note that organizations that are in operation for at least two years may also be eligible if they earn an annual revenue of at least $500,000.
- 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.
- Nonprofits that don’t want to provide a personal guarantee: The card can be underwritten directly to the name of the organization without the need for a personal guarantee. It’s one of our best business cards with no personal guarantee.
If this card isn’t the best fit for your business, go to our recommended alternatives below.
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: 19.90% 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
Specific Fees
- Annual: None
- Balance transfer: N/A
- Cash advance: 3% or $15, whichever is greater
- Foreign transaction:
- 2% of the transaction amount on purchases
- 1% on cash withdrawals and cash advances
- 1% service assessment fee for purchases, cash withdrawals, and cash advances made in United States dollars outside of the US and its territories
- Late payment: 2.5% of the amount past due
- Returned payment: Not indicated
- Overlimit: $29
How To Make Payments on the Charity Charge Nonprofit Business Card
- Online: Log in to your online account to make payments.
- By phone: You can call the Commerce Bank’s Commercial Cards Support Team to assist you with phone payments.
Charity Charge Nonprofit Business Card Rewards
- 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. You can view the full list of rebates from Mastercard® here.
- 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 Additional Features
Protection Coverage
- Extended warranty protection: Mastercard will double the existing manufacturer’s warranty up to $10,000 per incident and $50,000 per cardholder per year.
- Purchase assurance: This coverage replaces new purchases that are damaged or stolen within 90 days of purchase. Coverage is limited to $10,000 per incident and $50,000 per cardholder per year.
- 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.
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.
- No personal guarantee required: The 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.
- 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 integration: You can have your transactions synced directly from your account to QuickBooks Online to save time and prevent errors due to manual entry.
Charity Charge Nonprofit Business Card Alternatives
U.S. Bank Triple Cash Rewards World EliteTM Mastercard
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
BEST FOR:
0% APR for 15 billing cycles
Intro APR
Regular APR
18.74% - 27.74% (Variable)
Annual Fee
$0
Credit Needed
Excellent/Good
- Earn $500 in cash back. Just spend $4500 on the Account Owner's card in the first 150 days of opening your account.
- Introducing the U.S. Bank Business Triple Cash Rewards World Elite™ Mastercard® the card that gives back on all your eligible business needs.
- 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 18.74% - 27.74%.
- No annual fee.
- Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022
- Terms and conditions apply
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
18.74% - 27.74% (Variable)
Annual Fee
$0
Credit Needed
Excellent/Good
- Earn $500 in cash back. Just spend $4500 on the Account Owner's card in the first 150 days of opening your account.
- Introducing the U.S. Bank Business Triple Cash Rewards World Elite™ Mastercard® the card that gives back on all your eligible business needs.
- 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 18.74% - 27.74%.
- No annual fee.
- Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022
- Terms and conditions apply
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.
- U.S. Bank Triple Cash Rewards World EliteTM Mastercard is a great option if you need interest-free financing and access to balance transfer transactions
- Offers a 0% APR on both balance transfers and purchases for the first 15 months of card ownership
- Comes with no annual fee
- Lets you earn up to 3% cash back
- Is one of the leading business credit cards for nonprofits because of its long interest-free period
Chase Ink Business Unlimited®
Ink Business Unlimited® Credit Card
Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance.
BEST FOR:
Pocketing 1.5% cash back on every single purchase
Intro APR
0% Intro APR on Purchases
Regular APR
16.24% - 22.24% Variable
Annual Fee
$0
Credit Needed
- Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase made for your business
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
- With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring.
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- 0% introductory APR for 12 months on purchases
Pros
- 0% introductory APR on purchases
- Unlimited cash back rewards on all purchases
Cons
- Introductory APR period doesn’t apply to balance transfers
- 5% balance transfer fee
- Charges foreign transaction fees
- Requires excellent credit to qualify
- 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 US 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 US manufacturer’s warranty by an additional year on eligible warranties of three years or less
Intro APR
0% Intro APR on Purchases
Regular APR
16.24% - 22.24% Variable
Annual Fee
$0
Credit Needed
Good, Excellent
- Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase made for your business
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
- With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring.
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- 0% introductory APR for 12 months on purchases
Pros
- 0% introductory APR on purchases
- Unlimited cash back rewards on all purchases
Cons
- Introductory APR period doesn’t apply to balance transfers
- 5% balance transfer fee
- Charges foreign transaction fees
- Requires excellent credit to qualify
- 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 US 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 US manufacturer’s warranty by an additional year on eligible warranties of three years or less
- Chase Ink Business Unlimited® card is best for businesses with no credit history
- Offers fixed-rate cash back of 1.5% for every dollar spent on any business purchase
- Comes with no annual fee and a 0% introductory APR for the first 12 months
- Is our top-recommended small business credit card because of its lucrative introductory bonus and straightforward rewards
Capital One® Spark® Miles for Business
Capital One® Spark® Miles for Business
Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance.
BEST FOR:
Unlimited 2x miles with every swipe
Intro APR
N/A
Regular APR
25.24% (Variable)
Annual Fee
$0 intro for first year; $95 after that
Credit Needed
Excellent, Good
- Introductory reward worth $500 in travel after you spend $4,500 within the first three months
- 2x miles per $1 spent
- Issue employee cards for free
Pros
- No foreign transaction fees
- TSA PreCheck® or Global Entry application fee credit
Cons
- You’ll pay an annual fee after the first year
- Doesn’t offer interest-free financing
- Airport security screening reimbursement: Either a $100 statement credit for Global Entry or an $85 statement credit for TSA PreCheck® once every four years.
- Purchase assurance: Most purchases made entirely with your card are covered if damaged or stolen within 90 days from the date of purchase. Coverage is limited to $10,000 per claim and $50,000 per cardholder account per 12-month period.
- Extended warranty coverage: Doubles the original warranty time period and duplicates the coverage of the original manufacturer’s warranty up to a maximum of 12 months on most items you purchase.
- Travel medical emergency assistance: Provide referrals to medical services if you have a medical emergency while traveling. You’re covered if you’re 100 or more miles away from home and from the day you leave until midnight of the 60th day of your trip, or the day you return to your city of residence, whichever is sooner.
Intro APR
N/A
Regular APR
25.24% (Variable)
Annual Fee
$0 intro for first year; $95 after that
Credit Needed
Excellent, Good
- Introductory reward worth $500 in travel after you spend $4,500 within the first three months
- 2x miles per $1 spent
- Issue employee cards for free
Pros
- No foreign transaction fees
- TSA PreCheck® or Global Entry application fee credit
Cons
- You’ll pay an annual fee after the first year
- Doesn’t offer interest-free financing
- Airport security screening reimbursement: Either a $100 statement credit for Global Entry or an $85 statement credit for TSA PreCheck® once every four years.
- Purchase assurance: Most purchases made entirely with your card are covered if damaged or stolen within 90 days from the date of purchase. Coverage is limited to $10,000 per claim and $50,000 per cardholder account per 12-month period.
- Extended warranty coverage: Doubles the original warranty time period and duplicates the coverage of the original manufacturer’s warranty up to a maximum of 12 months on most items you purchase.
- Travel medical emergency assistance: Provide referrals to medical services if you have a medical emergency while traveling. You’re covered if you’re 100 or more miles away from home and from the day you leave until midnight of the 60th day of your trip, or the day you return to your city of residence, whichever is sooner.
- Capital One® Spark® Miles for Business is a great option if you prefer to earn travel rewards that can be redeemed for travel reservations, dining, and hotel stays
- Lets you earn 2x miles on all purchases, regardless of expense categories
- Comes with a low annual fee of $95, which is waived for the first year
- Has no foreign transaction fees, making it a good alternative if you travel frequently
- Is one of our best credit cards for nonprofits
Check out our guide to the top-ranking small business credit cards for additional options.
Bottom Line
The 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 pay your balance in full because this is a charge card and meet the minimum number of years in operation and required annual revenue to be eligible.
