Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.
Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.
Here are the best credit cards for nonprofits from our partners
Credit card▼ | NerdWallet rating▼ | Annual fee▼ | Rewards rate | Intro offer | Learn more |
---|---|---|---|---|---|
Ink Business Cash® Credit Card Apply now on Chase's website | 5.0/5 Best for Up to 5% cash back, no annual fee | $0 | 1%-5% Cashback | $350 | Apply now on Chase's website |
U.S. Bank Business Triple Cash Rewards World Elite Mastercard® Apply now on US Bank's website Rates & Fees | 5.0/5 Best for Up to 3% cash back on gas + long intro APR | $0 | 1%-3% Cashback | $500 | Apply now on US Bank's website Rates & Fees |
Capital One Spark Cash Plus Apply now on Capital One's website Rates & Fees | 5.0/5 Best for 2% cash back | $150 | 2%-5% Cashback | $1,200 | Apply now on Capital One's website Rates & Fees |
The Blue Business® Plus Credit Card from American Express Apply now on American Express' website Rates & Fees | 4.6/5 Best for Rewards with no annual fee + intro APR | $0 | 1x-2x Points | 15,000 Points | Apply now on American Express' website Rates & Fees |
Ink Business Preferred® Credit Card Apply now on Chase's website | 4.9/5 Best for Overall rewards (up to 3X per $1 spent) | $95 | 1x-3x Points | 100,000 Points | Apply now on Chase's website |
Ramp Card Apply now on Ramp's website | 3.7/5 Best for Corporate card for nonprofits | $0 | 1.5% Cashback | N/A | Apply now on Ramp's website |
BILL Divvy Corporate Card Apply now on BILL Spend & Expense's website | 2.9/5 Best for Accounting software integrations | $0 | 1x-7x Points | N/A | Apply now on BILL Spend & Expense's website |
Amazon Business Prime American Express Card Apply now on American Express' website Rates & Fees | 4.4/5 Best for 5% cash back on Amazon brands | $0 | 1%-2% | $125 | Apply now on American Express' website Rates & Fees |
The Hilton Honors American Express Business Card Apply now on American Express' website Rates & Fees | 4.9/5 Best for Travel rewards, hotel card (up to 12X points) | $95 | 3x-12x Points | 130,000 Points | Apply now on American Express' website Rates & Fees |
Bank of America® Business Advantage Travel Rewards World Mastercard® credit card Apply now on Bank of America's website | 3.8/5 Best for No annual fee business travel card | $0 | 1.5x Points | 30,000 Points | Apply now on Bank of America's website |
Credit card▼ | NerdWallet rating▼ | Annual fee▼ | Rewards rate | Intro offer | Learn more |
---|---|---|---|---|---|
Ink Business Cash® Credit Card Apply now on Chase's website | 5.0/5 Best for Up to 5% cash back, no annual fee | $0 | 1%-5% Cashback | $350 | Apply now on Chase's website |
U.S. Bank Business Triple Cash Rewards World Elite Mastercard® Apply now on US Bank's website Rates & Fees | 5.0/5 Best for Up to 3% cash back on gas + long intro APR | $0 | 1%-3% Cashback | $500 | Apply now on US Bank's website Rates & Fees |
Capital One Spark Cash Plus Apply now on Capital One's website Rates & Fees | 5.0/5 Best for 2% cash back | $150 | 2%-5% Cashback | $1,200 | Apply now on Capital One's website Rates & Fees |
The Blue Business® Plus Credit Card from American Express Apply now on American Express' website Rates & Fees | 4.6/5 Best for Rewards with no annual fee + intro APR | $0 | 1x-2x Points | 15,000 Points | Apply now on American Express' website Rates & Fees |
Ink Business Preferred® Credit Card Apply now on Chase's website | 4.9/5 Best for Overall rewards (up to 3X per $1 spent) | $95 | 1x-3x Points | 100,000 Points | Apply now on Chase's website |
Ramp Card Apply now on Ramp's website | 3.7/5 Best for Corporate card for nonprofits | $0 | 1.5% Cashback | N/A | Apply now on Ramp's website |
BILL Divvy Corporate Card Apply now on BILL Spend & Expense's website | 2.9/5 Best for Accounting software integrations | $0 | 1x-7x Points | N/A | Apply now on BILL Spend & Expense's website |
Amazon Business Prime American Express Card Apply now on American Express' website Rates & Fees | 4.4/5 Best for 5% cash back on Amazon brands | $0 | 1%-2% | $125 | Apply now on American Express' website Rates & Fees |
The Hilton Honors American Express Business Card Apply now on American Express' website Rates & Fees | 4.9/5 Best for Travel rewards, hotel card (up to 12X points) | $95 | 3x-12x Points | 130,000 Points | Apply now on American Express' website Rates & Fees |
Bank of America® Business Advantage Travel Rewards World Mastercard® credit card Apply now on Bank of America's website | 3.8/5 Best for No annual fee business travel card | $0 | 1.5x Points | 30,000 Points | Apply now on Bank of America's website |
Discover business products tailored to your needs
Monitor your business credit score, manage your cash flow, and get curated recommendations to drive your business’s growth.
I'M INTERESTED IN:
Our pick for
Up to 5% cash back, no annual fee
Ink Business Cash® Credit Card
on Chase's website
Pros
- No annual fee
- Intro APR period
- New cardholder bonus offer
Cons
- Requires good/excellent credit
- Low rate outside bonus categories
- Spending caps on bonus rewards
Pros
- No annual fee
- Intro APR period
- New cardholder bonus offer
Cons
- Requires good/excellent credit
- Low rate outside bonus categories
- Spending caps on bonus rewards
- Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after 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
- 10% Business Relationship Bonus If you have the Ink Business Cash card plus a Chase Business Checking account on your first card anniversary
- 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
Our pick for
Up to 3% cash back on gas + long intro APR
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
on US Bank's website
Pros
- Bonus cash back categories
- No annual fee
- Intro APR period on purchases and balance transfers
Cons
- Requires good/excellent credit
- Low rate outside bonus categories
Pros
- Bonus cash back categories
- No annual fee
- Intro APR period on purchases and balance transfers
Cons
- Requires good/excellent credit
- Low rate outside bonus categories
- 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.
View Rates & Fees
Our pick for
2% cash back
Capital One Spark Cash Plus
on Capital One's website
Pros
- Earns cash back on primary and employee cards
- Rewards don’t expire
- No foreign transaction fees
Cons
- Balance must be paid in full every month
- Has annual fee
- High spending requirement to hit full welcome bonus, annual bonus offers
Pros
- Earns cash back on primary and employee cards
- Rewards don’t expire
- No foreign transaction fees
Cons
- Balance must be paid in full every month
- Has annual fee
- High spending requirement to hit full welcome bonus, annual bonus offers
- Earn a one-time cash bonus of $1,200 once you spend $30,000 in the first 3 months
- Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions
- Comes with no preset spending limit, so it can adapt to your needs based on your spending behavior, payment history and credit profile
- Get your $150 annual fee refunded every year you spend at least $150,000
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
- Add employee cards for free, and earn unlimited 2% cash back from their purchases
- $150 annual fee
- Spark Cash Plus has no APR because your balance is due in full every month
View Rates & Fees
Our pick for
Rewards with no annual fee + intro APR
The Blue Business® Plus Credit Card from American Express
on American Express' website
Pros
- No annual fee
- High rewards rate
- Intro APR period
- Transfer partners
Cons
- Spending caps on bonus rewards
- Requires good/excellent credit
Pros
- No annual fee
- High rewards rate
- Intro APR period
- Transfer partners
Cons
- Spending caps on bonus rewards
- Requires good/excellent credit
- Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
- 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 at account opening. APR will not exceed 29.99%
- Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
- You’ve got the power to use your Card beyond its credit limit* with Expanded Buying Power.
- *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
View Rates & Fees
Our pick for
Overall rewards (up to 3X per $1 spent)
Ink Business Preferred® Credit Card
on Chase's website
Pros
- New cardholder bonus offer
- Bonus categories
- Transfer partners
Cons
- Has annual fee
- No intro APR offer
Pros
- New cardholder bonus offer
- Bonus categories
- Transfer partners
Cons
- Has annual fee
- No intro APR offer
- 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 Travel℠
- 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 Travel℠
- 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
Our pick for
Corporate card for nonprofits
Ramp Card
on Ramp's website
Pros
- No annual fee or foreign transaction fees
- Simple, straightforward rewards
- No personal guarantee or credit check
- Direct integrations with popular tools and card-level spending controls and alerts
Cons
- Balance must be paid in full each month
- Not available to sole proprietors or unincorporated businesses
Pros
- No annual fee or foreign transaction fees
- Simple, straightforward rewards
- No personal guarantee or credit check
- Direct integrations with popular tools and card-level spending controls and alerts
Cons
- Balance must be paid in full each month
- Not available to sole proprietors or unincorporated businesses
- Earn unlimited 1.5% cash back on all purchases, no minimum spend required.
- No annual fee or foreign transaction fees.
- No personal credit check or personal guarantee required.
- Issue unlimited virtual cards and physical cards for each employee.
- Prevent out-of-policy spending with built-in controls, including spend restrictions by category or merchant.
- Ramp is a corporate charge card powered by Visa. Businesses are required to pay the monthly balance in full by each statement period.
- Must have at least $75,000 in cash in any U.S. business bank account to qualify.
- Must have most of your operations and corporate spend in the US (although Ramp does support international transactions and will waive all related transaction fees).
- Ramp is only available to corporations, LLCs and limited partnerships. Individuals, sole proprietorships and unregistered businesses are not eligible.
Our pick for
Accounting software integrations
BILL Divvy Corporate Card
on BILL Spend & Expense's website
Pros
- No annual fee
- Card-level spending controls
Cons
- Complicated rewards structure with limits on redemption
- Balance must be paid in full each billing cycle
Pros
- No annual fee
- Card-level spending controls
Cons
- Complicated rewards structure with limits on redemption
- Balance must be paid in full each billing cycle
- Earn up to 7x rewards on restaurants and 5x on hotels with weekly billing. Terms apply.
- Credit lines up to $15 million but based on revenue, cash balance, business history and personal and business credit score.
- No annual fee or foreign transaction fees.
- Unlimited free virtual cards.
- Spend management platform allows business owners to easily set and adjust individual and team budgets.
Our pick for
5% cash back on Amazon brands
Amazon Business Prime American Express Card
on American Express' website
Pros
- No annual fee
- No foreign transaction fees
- Bonus categories
Cons
- Requires good/excellent credit
- Spending caps on bonus rewards
Pros
- No annual fee
- No foreign transaction fees
- Bonus categories
Cons
- Requires good/excellent credit
- Spending caps on bonus rewards
- Eligible Prime Members get a $125 Amazon Gift Card upon approval for the Amazon Business Prime American Express Card.
- Take advantage of 5% Back or 90 Day Terms on U.S. purchases at Amazon.com, Amazon Business, AWS and Whole Foods Market with an eligible Prime membership. You will earn 5% Back on the first $120,000 in purchases each calendar year, 1% Back thereafter
- 2% Back at U.S. restaurants, U.S. gas stations, and on wireless telephone services purchased directly from U.S. service providers
- 1% Back on other purchases
- $0 Annual Fee
- Back your business with the broad selection of Amazon and the service of American Express. Stay focused on your top business priorities, knowing we’re behind you.
- With rewards that don’t expire, you choose when to redeem. Redeem rewards on millions of items during checkout at Amazon.com and Amazon Business (U.S.) or apply towards a purchase on your statement.
- Terms apply.
View Rates & Fees
Our pick for
Travel rewards, hotel card (up to 12X points)
The Hilton Honors American Express Business Card
on American Express' website
Pros
- High rewards rate
- Automatic elite status
- Luxury perks
Cons
- Has annual fee
- No free anniversary night
Pros
- High rewards rate
- Automatic elite status
- Luxury perks
Cons
- Has annual fee
- No free anniversary night
- Welcome Offer: Earn 130,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Hilton Honors Business Card within the first three months of Card Membership.
- Earn Hilton Honors Bonus Points for each dollar of eligible purchases on your Card: 12X directly with hotels and resorts in the Hilton portfolio, 6X at U.S. gas stations, on U.S. purchases for shipping, on wireless telephone services purchased directly from U.S. service providers, on flights booked directly with airlines or with Amex Travel, on car rentals booked directly from select car rental companies, and at U.S. restaurants, 3X on all other eligible purchases.
- Enjoy complimentary Hilton Honors™ Gold Status with your Hilton Honors Business Card.
- Earn a Free Night Reward from Hilton Honors after you spend $15,000 in purchases on your Card in a calendar year.
- Earn another Free Night Reward from Hilton Honors after you spend an additional $45,000 in purchases on your Card in the same calendar year.
- Terms apply.
View Rates & Fees
Our pick for
No annual fee business travel card
Bank of America® Business Advantage Travel Rewards World Mastercard® credit card
on Bank of America's website
Pros
- No annual fee
- New cardholder bonus offer
- No reward caps
- No foreign transaction fees
Cons
- Requires excellent credit
Bank of America® Business Advantage Travel Rewards World Mastercard® credit card
on Bank of America's website
Pros
- No annual fee
- New cardholder bonus offer
- No reward caps
- No foreign transaction fees
Cons
- Requires excellent credit
- Earn 30,000 online bonus points after you make at least $3,000 in purchases in the first 90 days of your account opening which can be redeemed for a $300 statement credit towards travel or dining purchases.
- Earn unlimited 1.5 points for every $1 spent, or join Preferred Rewards for Business for no fee, and earn up to an unlimited 2.62 points for every $1 spent on all purchases if you have a Bank of America® business checking account and qualify for Preferred Rewards for Business Platinum Honors tier.
- No limit to the amount of points you can earn and points don't expire as long as your account remains open.
- No annual fee and no international transaction fees.
- Choose how to redeem points for a statement credit to offset travel and dining purchases, travel with no blackout dates at the Bank of America® Travel Center, for cash back or gift cards.
- 0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 18.49% to 28.49% will apply.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.
Ink Business Cash® Credit Card
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
Capital One Spark Cash Plus
The Blue Business® Plus Credit Card from American Express
Ink Business Preferred® Credit Card
Ramp Card
BILL Divvy Corporate Card
Devote Card
Charity Charge Nonprofit Business Card
Amazon Business Prime American Express Card
The Hilton Honors American Express Business Card
Bank of America® Business Advantage Travel Rewards World Mastercard®
NerdWallet star rating: 3.8
- Your qualifications. Business credit card applicants typically need good or excellent credit to qualify for most cards. If you have bad or fair credit, your options are more limited. A secured business credit card may be a good start. Some corporate credit cards are available without a credit check and can be underwritten to your organization — eliminating the need for a personal guarantee. But you’ll likely need strong financials to qualify.
- Spending controls. Giving out employee credit cards means your staff won’t always have to cover expenses themselves, then file for reimbursement. And the person who manages your organization’s finances can typically limit how much they can spend at once or what they can use those credit cards for.
- Cash-back rewards. There are two types of cash-back business credit cards: those that pay a flat rewards rate on all your spending, and those that pay higher rates on certain types of spending, like gas. If your nonprofit’s spending is all over the place, a flat-rate card is likely the better fit. But if you consistently spend a lot on those higher-rate categories, look for a card that rewards that spending.
- Travel rewards. Earning miles or hotel points can help your business save money when it’s time to travel for conferences or speaking engagements. But travel business credit cards are more likely to charge annual fees.
- Speaking of which: annual fees. Many business credit cards — especially those with the most lucrative rewards rates — charge annual fees. If you use these cards enough, the rewards often cover the cost of the fees. But if you don’t want to incur additional expenses, avoid them.