Corporate cards are generally the best choices for nonprofits. But if your organization is small or its leaders travel often, a traditional business credit card might work. (If you’re OK with a personal guarantee.)
Rosalie Murphy covers small business topics for NerdWallet. Previously, she led editorial strategy for a local news startup and covered business at The Desert Sun. She holds a journalism degree from the University of Southern California and is currently pursuing an MBA.
Ryan Lane is an editor on the small-business team and a NerdWallet authority on student loans. He spent more than a decade as a writer and editor for student loan guarantor American Student Assistance and was a managing editor for publisher Cell Press. Ryan’s work has been featured by The Associated Press, USA Today and MarketWatch, and he previously co-authored the U.S. News & World Report Student Loan Ranger blog. Email: <a href="mailto:rlane@nerdwallet.com”">rlane@nerdwallet.com</a>.
Ryan Lane is an editor on the small-business team and a NerdWallet authority on student loans. He spent more than a decade as a writer and editor for student loan guarantor American Student Assistance and was a managing editor for publisher Cell Press. Ryan’s work has been featured by The Associated Press, USA Today and MarketWatch, and he previously co-authored the U.S. News & World Report Student Loan Ranger blog. Email: <a href="mailto:rlane@nerdwallet.com”">rlane@nerdwallet.com</a>.
NerdWallet's content is
fact-checked for accuracy, timeliness, and relevance by humans.
It undergoes a thorough review process involving writers and editors to ensure
the information is as clear and complete as possible. Learn more by checking
our
Editorial Guidelines.
Content was accurate at the time of publication.
Why trust NerdWallet
250+ small-business products reviewed and rated by our team of experts.
80+ years of combined experience covering small business and personal finance.
Objective comprehensive business credit card ratings rubric (Methodology).
NerdWallet's business credit card content, including our ratings, reviews and recommendations, is overseen by a team of writers and editors who specialize in business credit cards. Their work has appeared in The Associated Press, Washington Post, MarketWatch, Nasdaq, Entrepreneur, ABC News, MSN and other national and local media outlets. Each writer and editor follows NerdWallet's strict editorial guidelines to ensure fairness and accuracy in our coverage. We independently evaluate and rate dozens of small-business credit cards, scoring them on fees, rewards rates, bonus offers and other features to help you choose the best business card for your company.
Advertiser disclosure
You’re our first priority.
Every time.
We believe everyone should be able to make financial decisions with
confidence. And while our site doesn’t feature every company or
financial product available on the market, we’re proud that the guidance
we offer, the information we provide and the tools we create are
objective, independent, straightforward — and free.
So how do we make money? Our partners compensate us. This may influence
which products we review and write about (and where those products
appear on the site), but it in no way affects our recommendations or
advice, which are grounded in thousands of hours of research. Our
partners cannot pay us to guarantee favorable reviews of their products
or services. Here is a list of our partners .
Rosalie Murphy covers small business topics for NerdWallet. Previously, she led editorial strategy for a local news startup and covered business at The Desert Sun. She holds a journalism degree from the University of Southern California and is currently pursuing an MBA.
Ryan Lane is an editor on the small-business team and a NerdWallet authority on student loans. He spent more than a decade as a writer and editor for student loan guarantor American Student Assistance and was a managing editor for publisher Cell Press. Ryan’s work has been featured by The Associated Press, USA Today and MarketWatch, and he previously co-authored the U.S. News & World Report Student Loan Ranger blog. Email: <a href="mailto:rlane@nerdwallet.com”">rlane@nerdwallet.com</a>.
Ryan Lane is an editor on the small-business team and a NerdWallet authority on student loans. He spent more than a decade as a writer and editor for student loan guarantor American Student Assistance and was a managing editor for publisher Cell Press. Ryan’s work has been featured by The Associated Press, USA Today and MarketWatch, and he previously co-authored the U.S. News & World Report Student Loan Ranger blog. Email: <a href="mailto:rlane@nerdwallet.com”">rlane@nerdwallet.com</a>.
NerdWallet's content is
fact-checked for accuracy, timeliness, and relevance by humans.
It undergoes a thorough review process involving writers and editors to ensure
the information is as clear and complete as possible. Learn more by checking
our
Editorial Guidelines.
Content was accurate at the time of publication.
Why trust NerdWallet
250+ small-business products reviewed and rated by our team of experts.
80+ years of combined experience covering small business and personal finance.
Objective comprehensive business credit card ratings rubric (Methodology).
NerdWallet's business credit card content, including our ratings, reviews and recommendations, is overseen by a team of writers and editors who specialize in business credit cards. Their work has appeared in The Associated Press, Washington Post, MarketWatch, Nasdaq, Entrepreneur, ABC News, MSN and other national and local media outlets. Each writer and editor follows NerdWallet's strict editorial guidelines to ensure fairness and accuracy in our coverage. We independently evaluate and rate dozens of small-business credit cards, scoring them on fees, rewards rates, bonus offers and other features to help you choose the best business card for your company.
Advertiser disclosure
You’re our first priority.
Every time.
We believe everyone should be able to make financial decisions with
confidence. And while our site doesn’t feature every company or
financial product available on the market, we’re proud that the guidance
we offer, the information we provide and the tools we create are
objective, independent, straightforward — and free.
So how do we make money? Our partners compensate us. This may influence
which products we review and write about (and where those products
appear on the site), but it in no way affects our recommendations or
advice, which are grounded in thousands of hours of research. Our
partners cannot pay us to guarantee favorable reviews of their products
or services. Here is a list of our partners .
The Ink Business Cash® Credit Card is hard to beat if you’re setting up a brick-and-mortar office: 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 card purchases with no limit to the amount you can earn Someone on your team will have to personally guarantee the card, though.
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
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®.
The Capital One Spark Cash Plus is an excellent cash-back card for operators whose expenses don't fall into the bonus categories on other business credit cards. There's no preset spending limit and you get a high, flat rewards rate on every purchase. Plus, you can earn a welcome bonus if you hit certain spending requirements. You cannot revolve a balance on this card, however.
Earn a one-time cash bonus of $2,000 once you spend $30,000 in the first 3 months
Earn an additional $2,000 cash bonus for every $500K spent during the first year. You can earn this bonus multiple times over the course of year 1!
Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions
Enjoy purchasing power that adapts to your business. The Spark Cash Plus card has no preset spending limit, so it can adapt to your needs based on your spending behavior, payment history, credit profile and other factors
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One's travel booking site
Empower your teams to make business purchases while you earn rewards from their transactions with free employee and virtual cards. Plus, automatically sync your transaction data with your accounting software and pay your vendors with ease
$150 annual fee - Spend $150,000 annually and Capital One will refund this fee every year
Spark Cash Plus has no APR because your balance is due in full every month
For businesses that need large spending capacity and want to maximize cash back
Intro APR period on purchases and balance transfers
Reports to Dun & Bradstreet
New cardholder bonus offer
Cons
Low rate outside bonus categories
Activity on employee cards does not count toward bonus spending requirement
This is a solid cash-back card for nonprofits, especially for those looking for bonus rewards on gas: Earn 3% cash back on eligible purchases at gas and EV charging stations (transactions of $200 or less)*, office supply stores, cell phone service providers and restaurants (*excludes discount stores/supercenters and wholesale clubs). Earn 1% cash back on all other eligible purchases. Earn 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center when using your card..
U.S. Bank also rolled out a spend management platform for its business credit cards in spring 2025. Its features, which include receipt collection and the ability to limit spend by department or budget, are similar to the tools offered by some corporate cards.
Earn $500 in cash back. Just spend $4,500 on the Account Owner's card in the first 150 days of opening your account.
Earn 3% cash back on eligible purchases at gas and EV charging stations (transactions of $200 or less)*, office supply stores, cell phone service providers and restaurants (*excludes discount stores/supercenters and wholesale clubs).
1% cash back on all other eligible purchases.
Earn 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center when using your card.
Take control of your card spend with U.S. Bank Spend Management—a game-changing platform for monitoring and managing business expenses.
No limit on total cash back earned.
Redeem Cash Rewards right away or save them for later. Cash Rewards do not expire as long as the account remains active.
Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or QuickBooks.
Direct integrations with tools and card-level spending controls
Rewards do not expire
Card-level spending controls
Cons
Not available to sole proprietors
Rewards rate varies and is determined per customer
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. And because it’s a corporate card, it doesn’t have to be guaranteed by any individual staffer.
Get a $250 Ramp card upon approval. Limit one per new customer. No minimum spend required.
Eliminate expense reports with automated receipt capture via SMS, mobile app, and integrations with Gmail, Lyft, and more.
Control wasteful spending before it happens with built-in vendor and category restrictions.
Complete visibility into corporate spending to help guide strategic business decisions.
Seamless accounting and ERP integrations including QuickBooks, NetSuite, Xero, and more.
Speed up monthly close with automated coding and reconciliation.
Up to 30x higher credit limits than traditional business credit cards.
Up to $350k partner rewards (AWS, UPS, Amazon Business, and more).
No personal credit check or personal guarantee required.
Up to 1.5% cashback on all card spend.
Get approved in less than 48 hours.
No annual fee or foreign transaction fees.
Issue unlimited virtual cards and physical cards for each employee.
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 $25,000 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.
Complicated rewards structure with limits on redemption
Rewards rate varies depending on user activity
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. This corporate card doesn’t require a personal guarantee.
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.
This no-annual-fee card is a great choice for nonprofits expecting to spend less than $50,000 per year (about $4,150 per month) on their credit card. You’ll earn 2% cash back on your first $50,000 in eligible spending, but then the rewards rate drops to 1%. A personal guarantee is required. Terms apply.
Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.49% – 27.49%, 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.
The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
No Annual Fee
Terms Apply
U.S. Bank Business Altitude® Connect Visa Signature® Card
Activity on employee cards does not count toward bonus spending requirement
If travel is a major spending category for your organization, the U.S. Bank Business Altitude® Connect Visa Signature® Card is hard to beat. It offers high rewards rates on lots of different types of spending, particularly traditional travel purchases like hotels and rental cars purchased through U.S. Bank’s portal. You’ll also get elevated rewards on gas, dining and cell phone providers. A personal guarantee is required.
Limited Time Offer: Earn 60,000 bonus points if you spend $6,000 on the Account Owner's card in the first 180 days from account opening.
Earn 5X points on prepaid hotels and car rentals booked directly in the Rewards Center when using your card.
Earn 4X points on travel, gas and EV charging stations* on the first $150,000 in combined annual spend (*excludes discount stores/supercenters and wholesale clubs).
Earn 2X points on dining, takeout, restaurant delivery and cell service providers.
Earn 1X points on all other eligible spend.
Earn a $25 statement credit for every three consecutive monthly taxi or rideshare trips.
$0 intro annual fee for the first year, $95 per year thereafter.
Points transfer between business and consumer U.S. Bank Altitude products (excluding Reserve).
Airport lounge access - Priority Pass™ Digital annual membership with access to more than 1,700 VIP lounges worldwide, plus four complimentary visits per membership year.
Take control of your card spend with U.S. Bank Spend Management—a game-changing platform for monitoring and managing business expenses.
The Ink Business Cash® Credit Card is hard to beat if you’re setting up a brick-and-mortar office: 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 card purchases with no limit to the amount you can earn Someone on your team will have to personally guarantee the card, though.
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
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®.
The Ink Business Cash® Credit Card is hard to beat if you’re setting up a brick-and-mortar office: 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 card purchases with no limit to the amount you can earn Someone on your team will have to personally guarantee the card, though.
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
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®.
The Capital One Spark Cash Plus is an excellent cash-back card for operators whose expenses don't fall into the bonus categories on other business credit cards. There's no preset spending limit and you get a high, flat rewards rate on every purchase. Plus, you can earn a welcome bonus if you hit certain spending requirements. You cannot revolve a balance on this card, however.
Earn a one-time cash bonus of $2,000 once you spend $30,000 in the first 3 months
Earn an additional $2,000 cash bonus for every $500K spent during the first year. You can earn this bonus multiple times over the course of year 1!
Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions
Enjoy purchasing power that adapts to your business. The Spark Cash Plus card has no preset spending limit, so it can adapt to your needs based on your spending behavior, payment history, credit profile and other factors
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One's travel booking site
Empower your teams to make business purchases while you earn rewards from their transactions with free employee and virtual cards. Plus, automatically sync your transaction data with your accounting software and pay your vendors with ease
$150 annual fee - Spend $150,000 annually and Capital One will refund this fee every year
Spark Cash Plus has no APR because your balance is due in full every month
For businesses that need large spending capacity and want to maximize cash back
The Capital One Spark Cash Plus is an excellent cash-back card for operators whose expenses don't fall into the bonus categories on other business credit cards. There's no preset spending limit and you get a high, flat rewards rate on every purchase. Plus, you can earn a welcome bonus if you hit certain spending requirements. You cannot revolve a balance on this card, however.
Earn a one-time cash bonus of $2,000 once you spend $30,000 in the first 3 months
Earn an additional $2,000 cash bonus for every $500K spent during the first year. You can earn this bonus multiple times over the course of year 1!
Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions
Enjoy purchasing power that adapts to your business. The Spark Cash Plus card has no preset spending limit, so it can adapt to your needs based on your spending behavior, payment history, credit profile and other factors
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One's travel booking site
Empower your teams to make business purchases while you earn rewards from their transactions with free employee and virtual cards. Plus, automatically sync your transaction data with your accounting software and pay your vendors with ease
$150 annual fee - Spend $150,000 annually and Capital One will refund this fee every year
Spark Cash Plus has no APR because your balance is due in full every month
For businesses that need large spending capacity and want to maximize cash back
Intro APR period on purchases and balance transfers
Reports to Dun & Bradstreet
New cardholder bonus offer
Cons
Low rate outside bonus categories
Activity on employee cards does not count toward bonus spending requirement
This is a solid cash-back card for nonprofits, especially for those looking for bonus rewards on gas: Earn 3% cash back on eligible purchases at gas and EV charging stations (transactions of $200 or less)*, office supply stores, cell phone service providers and restaurants (*excludes discount stores/supercenters and wholesale clubs). Earn 1% cash back on all other eligible purchases. Earn 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center when using your card..
U.S. Bank also rolled out a spend management platform for its business credit cards in spring 2025. Its features, which include receipt collection and the ability to limit spend by department or budget, are similar to the tools offered by some corporate cards.
Earn $500 in cash back. Just spend $4,500 on the Account Owner's card in the first 150 days of opening your account.
Earn 3% cash back on eligible purchases at gas and EV charging stations (transactions of $200 or less)*, office supply stores, cell phone service providers and restaurants (*excludes discount stores/supercenters and wholesale clubs).
1% cash back on all other eligible purchases.
Earn 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center when using your card.
Take control of your card spend with U.S. Bank Spend Management—a game-changing platform for monitoring and managing business expenses.
No limit on total cash back earned.
Redeem Cash Rewards right away or save them for later. Cash Rewards do not expire as long as the account remains active.
Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or QuickBooks.
Intro APR period on purchases and balance transfers
Reports to Dun & Bradstreet
New cardholder bonus offer
Cons
Low rate outside bonus categories
Activity on employee cards does not count toward bonus spending requirement
This is a solid cash-back card for nonprofits, especially for those looking for bonus rewards on gas: Earn 3% cash back on eligible purchases at gas and EV charging stations (transactions of $200 or less)*, office supply stores, cell phone service providers and restaurants (*excludes discount stores/supercenters and wholesale clubs). Earn 1% cash back on all other eligible purchases. Earn 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center when using your card..
U.S. Bank also rolled out a spend management platform for its business credit cards in spring 2025. Its features, which include receipt collection and the ability to limit spend by department or budget, are similar to the tools offered by some corporate cards.
Earn $500 in cash back. Just spend $4,500 on the Account Owner's card in the first 150 days of opening your account.
Earn 3% cash back on eligible purchases at gas and EV charging stations (transactions of $200 or less)*, office supply stores, cell phone service providers and restaurants (*excludes discount stores/supercenters and wholesale clubs).
1% cash back on all other eligible purchases.
Earn 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center when using your card.
Take control of your card spend with U.S. Bank Spend Management—a game-changing platform for monitoring and managing business expenses.
No limit on total cash back earned.
Redeem Cash Rewards right away or save them for later. Cash Rewards do not expire as long as the account remains active.
Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or QuickBooks.
Direct integrations with tools and card-level spending controls
Rewards do not expire
Card-level spending controls
Cons
Not available to sole proprietors
Rewards rate varies and is determined per customer
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. And because it’s a corporate card, it doesn’t have to be guaranteed by any individual staffer.
Get a $250 Ramp card upon approval. Limit one per new customer. No minimum spend required.
Eliminate expense reports with automated receipt capture via SMS, mobile app, and integrations with Gmail, Lyft, and more.
Control wasteful spending before it happens with built-in vendor and category restrictions.
Complete visibility into corporate spending to help guide strategic business decisions.
Seamless accounting and ERP integrations including QuickBooks, NetSuite, Xero, and more.
Speed up monthly close with automated coding and reconciliation.
Up to 30x higher credit limits than traditional business credit cards.
Up to $350k partner rewards (AWS, UPS, Amazon Business, and more).
No personal credit check or personal guarantee required.
Up to 1.5% cashback on all card spend.
Get approved in less than 48 hours.
No annual fee or foreign transaction fees.
Issue unlimited virtual cards and physical cards for each employee.
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 $25,000 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.
Direct integrations with tools and card-level spending controls
Rewards do not expire
Card-level spending controls
Cons
Not available to sole proprietors
Rewards rate varies and is determined per customer
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. And because it’s a corporate card, it doesn’t have to be guaranteed by any individual staffer.
Get a $250 Ramp card upon approval. Limit one per new customer. No minimum spend required.
Eliminate expense reports with automated receipt capture via SMS, mobile app, and integrations with Gmail, Lyft, and more.
Control wasteful spending before it happens with built-in vendor and category restrictions.
Complete visibility into corporate spending to help guide strategic business decisions.
Seamless accounting and ERP integrations including QuickBooks, NetSuite, Xero, and more.
Speed up monthly close with automated coding and reconciliation.
Up to 30x higher credit limits than traditional business credit cards.
Up to $350k partner rewards (AWS, UPS, Amazon Business, and more).
No personal credit check or personal guarantee required.
Up to 1.5% cashback on all card spend.
Get approved in less than 48 hours.
No annual fee or foreign transaction fees.
Issue unlimited virtual cards and physical cards for each employee.
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 $25,000 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.
Complicated rewards structure with limits on redemption
Rewards rate varies depending on user activity
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. This corporate card doesn’t require a personal guarantee.
Complicated rewards structure with limits on redemption
Rewards rate varies depending on user activity
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. This corporate card doesn’t require a personal guarantee.
This no-annual-fee card is a great choice for nonprofits expecting to spend less than $50,000 per year (about $4,150 per month) on their credit card. You’ll earn 2% cash back on your first $50,000 in eligible spending, but then the rewards rate drops to 1%. A personal guarantee is required. Terms apply.
Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.49% – 27.49%, 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.
The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
This no-annual-fee card is a great choice for nonprofits expecting to spend less than $50,000 per year (about $4,150 per month) on their credit card. You’ll earn 2% cash back on your first $50,000 in eligible spending, but then the rewards rate drops to 1%. A personal guarantee is required. Terms apply.
Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.49% – 27.49%, 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.
The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
Activity on employee cards does not count toward bonus spending requirement
If travel is a major spending category for your organization, the U.S. Bank Business Altitude® Connect Visa Signature® Card is hard to beat. It offers high rewards rates on lots of different types of spending, particularly traditional travel purchases like hotels and rental cars purchased through U.S. Bank’s portal. You’ll also get elevated rewards on gas, dining and cell phone providers. A personal guarantee is required.
Limited Time Offer: Earn 60,000 bonus points if you spend $6,000 on the Account Owner's card in the first 180 days from account opening.
Earn 5X points on prepaid hotels and car rentals booked directly in the Rewards Center when using your card.
Earn 4X points on travel, gas and EV charging stations* on the first $150,000 in combined annual spend (*excludes discount stores/supercenters and wholesale clubs).
Earn 2X points on dining, takeout, restaurant delivery and cell service providers.
Earn 1X points on all other eligible spend.
Earn a $25 statement credit for every three consecutive monthly taxi or rideshare trips.
$0 intro annual fee for the first year, $95 per year thereafter.
Points transfer between business and consumer U.S. Bank Altitude products (excluding Reserve).
Airport lounge access - Priority Pass™ Digital annual membership with access to more than 1,700 VIP lounges worldwide, plus four complimentary visits per membership year.
Take control of your card spend with U.S. Bank Spend Management—a game-changing platform for monitoring and managing business expenses.
Activity on employee cards does not count toward bonus spending requirement
If travel is a major spending category for your organization, the U.S. Bank Business Altitude® Connect Visa Signature® Card is hard to beat. It offers high rewards rates on lots of different types of spending, particularly traditional travel purchases like hotels and rental cars purchased through U.S. Bank’s portal. You’ll also get elevated rewards on gas, dining and cell phone providers. A personal guarantee is required.
Limited Time Offer: Earn 60,000 bonus points if you spend $6,000 on the Account Owner's card in the first 180 days from account opening.
Earn 5X points on prepaid hotels and car rentals booked directly in the Rewards Center when using your card.
Earn 4X points on travel, gas and EV charging stations* on the first $150,000 in combined annual spend (*excludes discount stores/supercenters and wholesale clubs).
Earn 2X points on dining, takeout, restaurant delivery and cell service providers.
Earn 1X points on all other eligible spend.
Earn a $25 statement credit for every three consecutive monthly taxi or rideshare trips.
$0 intro annual fee for the first year, $95 per year thereafter.
Points transfer between business and consumer U.S. Bank Altitude products (excluding Reserve).
Airport lounge access - Priority Pass™ Digital annual membership with access to more than 1,700 VIP lounges worldwide, plus four complimentary visits per membership year.
Take control of your card spend with U.S. Bank Spend Management—a game-changing platform for monitoring and managing business expenses.
The following business credit cards aren't currently available through NerdWallet, but we think they're still worth a look in certain instances. Before applying, confirm details on the issuer’s website.
The Wells Fargo Signify Business Cash℠ Card is a no-brainer for nonprofits that want to earn cash back on spending that doesn’t always fall into the same categories. It doesn’t charge an annual fee, and you’ll get 2% cash back on all your spending. There’s also 0% intro APR on Purchases for 12 months, and then the ongoing APR of 17.49%-25.49% Variable APR, which gives you some flexibility to finance large purchases and pay them off over time. Note, however, that only existing Wells Fargo customers can apply online for this card; others have to visit a branch. Learn more and apply.
💳 Devote Card
NerdWallet star rating: 4.4
Note: The star ratings for Devote and Charity Charge use a methodology specific to cards designed for nonprofits, which assumes less overall spending than corporations. Use these star ratings to compare Devote and Charity Charge to one another, but not necessarily to other corporate cards.
Similar to the Ramp Card and BILL Divvy Corporate Card, Devote is a corporate card that 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. And some users may need to pay a monthly fee to utilize the platform.
💳 Charity Charge
NerdWallet star rating: 3.4
Note: The star ratings for Devote and Charity Charge use a methodology specific to cards designed for nonprofits, which assumes less overall spending than corporations. Use these star ratings to compare Devote and Charity Charge to one another, but not necessarily to other corporate cards.
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.
Plus: Charity Charge can help your nonprofit build or establish business credit. Nonprofit organizations have real-time control over employee cards and can pause or cancel access online.
How we chose the best credit cards for nonprofits
👋 I’m Rosalie Murphy, NerdWallet’s writer covering small-business banking and corporate credit cards. I did the research for this page.
I started with our list of best business credit cards, reviewing each card’s fees, bonus offers and features to find the best options for nonprofits. I also evaluated nonprofit-specific cards, adjusting our calculations to match the audience for these products. (Read our full business credit card methodology.)
Nonprofits have unique operational needs. To ensure our picks met those, I also interviewed six experts. These included nonprofit board members, representatives from financial institutions and bookkeepers and financial advisors who focus on nonprofits.
Here’s what stood out as most important for a nonprofit credit card:
Simple, effective expense management features. The more time nonprofits can save on gathering receipts, categorizing expenses and generating tax forms, the more they can spend on the organization’s mission.
Lack of a personal guarantee. Nonprofits don’t have owners, and mature organizations may see frequent board and staff turnover. Nonprofits need card options that don’t require personal guarantees to ensure continuity in credit access.
Solid rewards. If you can earn cash back or points that you can reinvest in your mission, you should.
Strong mission alignment. A card provider dedicated to nonprofits may offer especially useful customer support because they understand these organizations’ specific needs.
Does your nonprofit have experience with any of these financial products? I’d love to hear about it. Email me at rmurphy@nerdwallet.com.
NERDWALLET'S GUIDE TO NONPROFIT CREDIT CARDS
What is a nonprofit credit card?
A nonprofit credit card is a spend management tool 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 and corporate cards.
Nonprofit credit cards fall into three categories:
1. Corporate cards . These include Ramp and BILL Divvy. They generally don’t allow you to carry a balance — you’ll have to pay off your card in full every month, or in some cases every day.
However, corporate cards offer spend management tools that can be very useful for organizing your nonprofit finances. You can create unlimited virtual cards, label and categorize every expense and prompt employees to upload receipts right away.
Crucially, corporate cards are issued to organizations instead of individuals. That means they don’t require a personal guarantee. Multiple experts I spoke with stressed the importance of this, since nonprofits don’t have owners in the way private businesses do.
2. Corporate cards designed specifically for nonprofits. Devote and Charity Charge, for instance, exclusively serve nonprofits. Their financial management tools include nonprofit-specific features, like the ability to generate reports for donors and stakeholders, and their customer support teams will likely be more familiar with nonprofit finances. But other corporate cards offer more lucrative rewards.
3. Business credit cards for nonprofits . These come from well-known issuers and include cards like the Chase Ink Business Cash card and the U.S. Bank Triple Cash Rewards card. 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.
These cards generally 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.
You pay interest on any balance that remains after the due date.
An individual personally guarantees the debt, which means they promise to repay it if the nonprofit can’t.
Business credit cards generally allow you to revolve a balance, meaning you don’t have to pay your entire bill every month. But the nonprofit finance pros I spoke to advised against using credit cards for financing due to their high interest rates. If your cash flow is seasonal or uneven, talk to your bank about a line of credit instead.
Can nonprofits use credit cards — and should they?
Yes, nonprofits can use credit cards in the same way for-profit businesses can.
However, unlike businesses, nonprofits don’t have owners. They also tend to experience lots of board and staff turnover. For that reason, corporate cards are usually better for mature organizations. No one has to provide a personal guarantee, and you can simply add and remove cards and users as employees come and go.
If your organization is small and you’re comfortable providing a personal guarantee, a business credit card can offer generous rewards. These cards generally don’t have revenue requirements, and you can qualify for many if you have good or excellent personal credit.
Credit cards also offer flexible financing, but experts recommend that nonprofits don’t use them that way. Paying credit card interest rates, which tend to be very high, likely isn't the best way to use donor funds.
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 best to choose a card with rewards or features that match your organization's overall spending patterns and financial management needs.
To qualify for more traditional business credit cards, you’ll generally need good to excellent personal credit (a FICO score of 690 or above). There are a handful of bad credit business credit cards, however.
Corporate cards, like the Ramp Card and Charity Charge, are a little different. Because these cards are issued to your organization, qualification is based on factors like your bank balance and organization's overall financial health.
For example, Charity Charge requires at least five years of operation and $100,000 in annual revenue or at least two years of operation and $250,000 in annual revenue. It also offers newer or smaller organizations a secured card with a minimum security deposit of $5,000.
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.
Card type. If you’re a one-person or small operation or want to maximize your rewards, choose a traditional business credit card. If your organization is well established and your focus is on financial management tools, choose a corporate card.
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.
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. And if your leadership team frequently travels for conferences or speaking engagements, a travel business credit cards that earns miles or hotel points might be most beneficial.
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.
Notes from card issuers
To view rates and fees of The American Express Blue Business Cash™ Card, see this page.
The information related to the Wells Fargo Signify Business Cash℠ Card has been collected by NerdWallet and has not been reviewed or provided by the issuer or provider of this product or service.
Last updated on June 23, 2025
Methodology
NerdWallet's business credit card team selects the best small-business credit cards without outside input from partners or other business interests. We evaluate business cards based on value and simplicity, weighing fees, sign-up bonuses and reward rates, alongside perks like interest-free periods, statement credits and elite status (for travel cards). Business cards that earn the highest scores deliver the most value to the greatest number of business owners.
Notable changes to our methodology for 2025 include factoring in whether spending on employee cards earns rewards and counts toward the welcome offer requirements. We also now consider what information the card issuer reports to consumer credit bureaus. Learn how NerdWallet rates small-business credit cards.
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