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Best Credit Cards for Nonprofits of April 2024

By Kelsey Sheehy, Rosalie Murphy
Last updated on March 21, 2024
Edited byRyan Lane
Fact checked and reviewed

⏰ Estimated read time: 9 minutes

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.

Every dollar and minute matters for a nonprofit. The best nonprofit credit cards help your organization put its money and time toward the work that matters most. That may be a small-business credit card that offers cost savings via no annual fee or a 0% intro APR, or one that creates efficiencies through expense management features.
Look for a card that benefits your nonprofit's day-to-day activities. A business travel card is great if your employees are regularly on the go. Focused on more local work? A cash-back credit card that earns money on your everyday expenses might be the right fit. Want an easier time bookkeeping? Choose a card that integrates with your accounting software.
All our picks for the best credit cards for nonprofits provide employee cards, too. That makes it simple to track and reconcile every purchase and set limits on employee spending. It also keeps your team from having to front expenses themselves and then file for reimbursement.
Note: Some of our selections can be applied for through NerdWallet, and some cannot. Below, you’ll find application links for the credit cards from our partners that are available through NerdWallet, followed by the full list of our picks.

Looking for a business credit card?

See our overall favorites, or choose a feature that will benefit your business spending the most.

Our top overall picks

on Nerdwallet's secure site

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.

Every dollar and minute matters for a nonprofit. The best nonprofit credit cards help your organization put its money and time toward the work that matters most. That may be a small-business credit card that offers cost savings via no annual fee or a 0% intro APR, or one that creates efficiencies through expense management features.
Look for a card that benefits your nonprofit's day-to-day activities. A business travel card is great if your employees are regularly on the go. Focused on more local work? A cash-back credit card that earns money on your everyday expenses might be the right fit. Want an easier time bookkeeping? Choose a card that integrates with your accounting software.
All our picks for the best credit cards for nonprofits provide employee cards, too. That makes it simple to track and reconcile every purchase and set limits on employee spending. It also keeps your team from having to front expenses themselves and then file for reimbursement.
Note: Some of our selections can be applied for through NerdWallet, and some cannot. Below, you’ll find application links for the credit cards from our partners that are available through NerdWallet, followed by the full list of our picks.

Looking for a business credit card?

See our overall favorites, or choose a feature that will benefit your business spending the most.

Our top overall picks

on Nerdwallet's secure site

Here are the best credit cards for nonprofits from our partners

Credit cardNerdWallet ratingAnnual feeRewards rateIntro offerLearn 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 cardNerdWallet ratingAnnual feeRewards rateIntro offerLearn 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

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I'M INTERESTED IN:

Our pick for

Up to 5% cash back, no annual fee

Ink Business Cash® Credit Card

Apply now

on Chase's website

Annual fee
$0
Rewards rate
1%-5% Cashback
Intro offer
$350

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

Ink Business Cash® Credit Card

NerdWallet rating 

5.0/5
Apply now

on Chase's website

Annual fee
$0
Rewards rate
1%-5% Cashback
Intro offer
$350

Our pick for

Up to 3% cash back on gas + long intro APR

U.S. Bank Business Triple Cash Rewards World Elite Mastercard®

Apply now

on US Bank's website

Annual fee
$0
Rewards rate
1%-3% Cashback
Intro offer
$500

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

U.S. Bank Business Triple Cash Rewards World Elite Mastercard®

NerdWallet rating 

5.0/5
Apply now

on US Bank's website

Annual fee
$0
Rewards rate
1%-3% Cashback
Intro offer
$500

Our pick for

2% cash back

Capital One Spark Cash Plus

Apply now

on Capital One's website

Annual fee
$150
Rewards rate
2%-5% Cashback
Intro offer
$1,200

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

Capital One Spark Cash Plus

NerdWallet rating 

5.0/5
Apply now

on Capital One's website

Annual fee
$150
Rewards rate
2%-5% Cashback
Intro offer
$1,200

Our pick for

Rewards with no annual fee + intro APR

The Blue Business® Plus Credit Card from American Express

Apply now

on American Express' website

Annual fee
$0
Rewards rate
1x-2x Points
Intro offer
15,000 Points

Pros

  • No annual fee
  • High rewards rate
  • Intro APR period
  • Transfer partners

Cons

  • Spending caps on bonus rewards
  • Requires good/excellent credit

The Blue Business® Plus Credit Card from American Express

NerdWallet rating 

4.6/5
Apply now

on American Express' website

Annual fee
$0
Rewards rate
1x-2x Points
Intro offer
15,000 Points

Our pick for

Overall rewards (up to 3X per $1 spent)

Ink Business Preferred® Credit Card

Apply now

on Chase's website

Annual fee
$95
Rewards rate
1x-3x Points
Intro offer
100,000 Points

Pros

  • New cardholder bonus offer
  • Bonus categories
  • Transfer partners

Cons

  • Has annual fee
  • No intro APR offer

Ink Business Preferred® Credit Card

NerdWallet rating 

4.9/5
Apply now

on Chase's website

Annual fee
$95
Rewards rate
1x-3x Points
Intro offer
100,000 Points

Our pick for

Corporate card for nonprofits

Ramp Card

Apply now

on Ramp's website

Annual fee
$0
Rewards rate
1.5% Cashback
Intro offer
N/A

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

Ramp Card

NerdWallet rating 

3.7/5
Apply now

on Ramp's website

Annual fee
$0
Rewards rate
1.5% Cashback
Intro offer
N/A

Our pick for

Accounting software integrations

BILL Divvy Corporate Card

Apply now

on BILL Spend & Expense's website

Annual fee
$0
Rewards rate
1x-7x Points
Intro offer
N/A

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

BILL Divvy Corporate Card

NerdWallet rating 

2.9/5
Apply now

on BILL Spend & Expense's website

Annual fee
$0
Rewards rate
1x-7x Points
Intro offer
N/A

Our pick for

5% cash back on Amazon brands

Amazon Business Prime American Express Card

Apply now

on American Express' website

Annual fee
$0
Rewards rate
1%-2%
Intro offer
$125

Pros

  • No annual fee
  • No foreign transaction fees
  • Bonus categories

Cons

  • Requires good/excellent credit
  • Spending caps on bonus rewards

Amazon Business Prime American Express Card

NerdWallet rating 

4.4/5
Apply now

on American Express' website

Annual fee
$0
Rewards rate
1%-2%
Intro offer
$125

Our pick for

Travel rewards, hotel card (up to 12X points)

The Hilton Honors American Express Business Card

Apply now

on American Express' website

Annual fee
$95
Rewards rate
3x-12x Points
Intro offer
130,000 Points

Pros

  • High rewards rate
  • Automatic elite status
  • Luxury perks

Cons

  • Has annual fee
  • No free anniversary night

The Hilton Honors American Express Business Card

NerdWallet rating 

4.9/5
Apply now

on American Express' website

Annual fee
$95
Rewards rate
3x-12x Points
Intro offer
130,000 Points

Our pick for

No annual fee business travel card

Bank of America® Business Advantage Travel Rewards World Mastercard® credit card

Apply now

on Bank of America's website

Annual fee
$0
Rewards rate
1.5x Points
Intro offer
30,000 Points

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

NerdWallet rating 

3.8/5
Apply now

on Bank of America's website

Annual fee
$0
Rewards rate
1.5x Points
Intro offer
30,000 Points

NerdWallet's editorial picks: Credit cards for nonprofits

Before applying, confirm details on the issuer’s website.

Ink Business Cash® Credit Card

Our pick for: Up to 5% cash back, no annual fee
NerdWallet star rating:
5
If your business's spending matches the bonus categories on the
Ink Business Cash® Credit Card
, you can rack up some serious cash back. (If not, then look elsewhere.) There's an excellent sign-up bonus for a no-annual-fee cash-back card, plus an introductory APR period for purchases. Learn more and apply.

U.S. Bank Business Triple Cash Rewards World Elite Mastercard®

Our pick for: Up to 3% cash back on gas + long intro APR
NerdWallet star rating:
5
The
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
is a solid cash-back card for business owners.
Earn 3% cash back on eligible purchases at gas stations, office supply stores, cell phone service providers and restaurants. Earn 1% cash back on all other eligible net purchases
. Plus, the card offers a competitive welcome bonus and
0% intro APR for 15 billing cycles on purchases and balance transfers, and then the ongoing APR of 19.24%-28.24% Variable APR
— all with a $
0
annual fee. Learn more and apply.

Capital One Spark Cash Plus

Our pick for: 2% cash back
NerdWallet star rating:
5
The
Capital One Spark Cash Plus
is an excellent option for business operators whose expenses don't fall into the bonus categories on other business credit cards. You get a high, flat rewards rate on every purchase, with no limit to how much you can earn. And you can earn a welcome bonus if you hit certain spending requirements. Just make sure that you can pay off your spending in full each month, as this is a charge card that doesn't let you revolve a balance. (See rates and fees.) Learn more and apply.

The Blue Business® Plus Credit Card from American Express

Our pick for: Rewards with no annual fee + intro APR
NerdWallet star rating:
4.6
The Blue Business® Plus Credit Card from American Express
is a near-twin to
The American Express Blue Business Cash™ Card
, with one key difference: Rather than cash back, it pays you in AmEx Membership Rewards points. Learn more and apply.

Ink Business Preferred® Credit Card

Our pick for: Overall rewards (up to 3X per $1 spent)
NerdWallet star rating:
4.9
The
Ink Business Preferred® Credit Card
starts you off with one of the biggest sign-up bonuses of any credit card anywhere:
Earn 100,000 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℠.
You also get bonus rewards on travel expenses and common business spending categories, like advertising, shipping and internet, cable and phone service. Points are worth 25% more when redeemed for travel booked through Chase, or you can transfer them to about a dozen airline and hotel partners. Learn more and apply.

Ramp Card

Our pick for: Corporate card for nonprofits
NerdWallet star rating:
3.7
You’ll need a bank balance of at least $75,000 to qualify for the
Ramp Card
. And since it’s a charge card, you’ll have to pay it off in full every month. But you’ll earn
1.5
% cash back on all purchases, and Ramp offers solid software features like automatic receipt matching and expense categorization, spending controls, automatic spending approval flows and expense forecasting tools. The
Ramp Card
also integrates directly with multiple accounting providers, including QuickBooks. Learn more and apply.

BILL Divvy Corporate Card

Our pick for: Accounting software integrations
NerdWallet star rating:
2.9
The
BILL Divvy Corporate Card
has direct integrations with QuickBooks, Xero and Oracle NetSuite (among others), and boasts that it can work with any accounting software. Beyond that, its spend management platform lets you set and adjust budgets for each employee card, see top-level organization spending, attach receipts to individual purchases and automatically categorize certain transactions. But the
BILL Divvy Corporate Card
requires you to pay your balance in full each month. And while it offers high rewards rates on restaurants and hotels, they’re pretty hard to earn and use. Learn more and apply.

Devote Card

Our pick for: Spend management platform for nonprofits
This card has not been rated by NerdWallet.
The Devote Card is a corporate card; however, it functions more like a debit card as your spending limit is tied to a deposit. Similar to Ramp and Divvy, Devote comes with a spend management platform — users can issue unlimited employee cards, set spending limits and control transactions related to certain categories or vendors. You can upload receipts, and the software integrates with QuickBooks. There are also features specific to nonprofits, like tracking sales tax so you can apply for exemptions. Devote offers rewards, but says they vary with each organization.

Charity Charge Nonprofit Business Card

Our pick for: Secured card designed for nonprofits
This card has not been rated by NerdWallet.
The Charity Charge Nonprofit Business Card was built for nonprofit organizations that have been in operation for at least two years and meet certain revenue thresholds. Don’t qualify? Charity Charge also offers a secured card with a minimum $5,000 deposit. With either option, your organization can save money with no annual fee, plus cash-back rebates at participating vendors and group purchasing discounts. Nonprofit organizations have real-time control over employee cards and can pause or cancel access online. Learn more.

Amazon Business Prime American Express Card

Our pick for: 5% cash back on Amazon brands
NerdWallet star rating:
4.4
The
Amazon Business Prime American Express Card
is available to Amazon Prime and Business Prime members. It lets you choose between 90 days of interest-free financing on Amazon Business, Amazon Web Services, Amazon.com and Whole Foods purchases or an impressive 5% cash back on the first $120,000 spent within those categories (1% after that). All cardholders earn
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. Terms Apply.
Learn more and apply.

The Hilton Honors American Express Business Card

Our pick for: Travel rewards, hotel card (up to 12X points)
NerdWallet star rating:
4.9
Airport lounge access and a generous welcome offer make
The Hilton Honors American Express Business Card
an ideal card for conference hopping and other business travel. A tiered points structure makes it easy to earn rewards, whether you stay at a Hilton or not. Cardholders earn 12X points at hotels and resorts in the Hilton portfolio; 6X points on gas, shipping, dining and other travel expenses; and 3X points on all other purchases. Learn more and apply.

Bank of America® Business Advantage Travel Rewards World Mastercard®

Our pick for: No annual fee business travel card

NerdWallet star rating:
3.8

This is the business version of the issuer's excellent no-annual-fee travel card. The
Bank of America® Business Advantage Travel Rewards World Mastercard® credit card
pays solid rewards on every purchase and gives you wide flexibility in redeeming your points for any travel purchase, without the restrictions of branded airline and hotel cards. Learn more and apply.

What is a nonprofit credit card?

A nonprofit credit card is a financing option for charities and other tax-exempt organizations. There are only a handful of credit cards designed specifically with nonprofits in mind — but nonprofits also have access to general small-business credit cards, which offer a wide range of benefits.
Credit cards for nonprofits work the same way credit cards for individuals and other businesses do. You can use the card to pay for organizational expenses, up to your credit limit; you pay the credit card issuer back over time; and you’ll pay interest on whatever balance remains after the due date.

Can nonprofits use credit cards?

Yes, nonprofits can use credit cards in the same way for-profit businesses can. There are generally no revenue requirements for most business credit cards (although corporate cards are a notable exception). If you have good or excellent personal credit, you may be able to qualify for many different nonprofit credit cards.
Business credit cards offer flexible financing that can help your nonprofit keep up with expenses even when cash flow is uneven. Beyond that, many offer perks like cash back and travel rewards.
If you need to fund larger purchases, like equipment and real estate, nonprofit business loans can help. Unlike business credit cards, though, loan applications will require lots more detail about your nonprofit’s finances, which may make this financing tougher to obtain.

Do nonprofits pay credit card fees?

Yes, nonprofits are generally subject to the same credit card fees as for-profit businesses.
Unlike nonprofit bank accounts — which may waive fees or offer other cost savings — major credit card issuers don't usually include perks for charities. Ultimately, it’s probably best to choose a card with rewards or features that match your organization's overall spending and needs instead of seeking one with specific features for nonprofits.
That said, some niche options do have nonprofit-targeted benefits. For example, the Charity Charge Nonprofit Business Card donates cash back to a nonprofit of your choice.
Your local bank or credit union may also offer credit cards with perks specific to nonprofits. For instance, Colorado’s Ent Credit Union gives nonprofits access to a business credit card with no personal guarantee. Talk to your local financial institutions about their options to see whether any meet your needs.

How to choose a business credit card for your nonprofit

Consider the following factors when evaluating a business credit card for your charity or nonprofit organization.
  • 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.

Find more financial options for your nonprofit

From banking to bookkeeping, NerdWallet has your charity covered.

Small-business grants for nonprofits

on Nerdwallet's secure site

Last updated on March 21, 2024

Methodology

NerdWallet's Credit Cards team selects the best credit cards for small business based on overall consumer value, as evidenced by star ratings, as well as their suitability for specific kinds of small-business operators. Factors in our evaluation include annual and other fees, rewards rates, the earning structure (for example, flat-rate rewards versus bonus categories), redemption options, bonus offers for new cardholders, introductory and ongoing APRs, and other noteworthy features such as special financing arrangements, free cards for employees or tools for managing business expenses. Learn more about how we rate business credit cards.
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Find a business credit card that works as hard as you do

Looking to earn rewards or build your credit? We’ll help match you to the perfect business credit card based on your qualifications.