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Best Credit Cards for Nonprofits of July 2024

By Kelsey Sheehy, Rosalie Murphy
Last updated on July 16, 2024
Edited byRyan Lane
Fact checked and reviewed

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

Best forNerdWallet ratingAnnual feeRewards rateIntro offerLearn more

Up to 5% cash back, no annual fee

Ink Business Cash® Credit Card

Apply now

on Chase's website

4.8/5
$0

1%-5%

Cashback

$350

Apply now

on Chase's website

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

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

Apply now

on U.S. Bank's website

Rates & Fees

4.6/5
$0

1%-3%

Cashback

$750

Apply now

on U.S. Bank's website

Rates & Fees

2% cash back

Capital One Spark Cash Plus

Apply now

on Capital One's website

Rates & Fees

5.0/5
$150

2%-5%

Cashback

$1,200

Apply now

on Capital One's website

Rates & Fees

Rewards with no annual fee + intro APR

The Blue Business® Plus Credit Card from American Express

Apply now

on American Express' website

Rates & Fees

4.4/5
$0

1x-2x

Points

15,000

Points

Apply now

on American Express' website

Rates & Fees

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

Ink Business Preferred® Credit Card

Apply now

on Chase's website

4.9/5
$95

1x-3x

Points

120,000

Points

Apply now

on Chase's website

Corporate card for nonprofits

Ramp Card

Apply now

on Ramp's website

3.6/5
$0

0%

Cashback

N/A

Apply now

on Ramp's website

Accounting software integrations

BILL Divvy Corporate Card

Apply now

on BILL Spend & Expense's website

2.7/5
$0

1x-7x

Points

N/A

Apply now

on BILL Spend & Expense's website

5% cash back on Amazon brands

Amazon Business Prime American Express Card

Apply now

on American Express' website

Rates & Fees

4.2/5
$0

1%-2%

$125

Apply now

on American Express' website

Rates & Fees

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

The Hilton Honors American Express Business Card

Apply now

on American Express' website

Rates & Fees

4.8/5
$195

3x-12x

Points

130,000

Points

Apply now

on American Express' website

Rates & Fees

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

3.6/5
$0

1.5x

Points

30,000

Points

Apply now

on Bank of America's website

Best forNerdWallet ratingAnnual feeRewards rateIntro offerLearn more

Up to 5% cash back, no annual fee

Ink Business Cash® Credit Card

Apply now

on Chase's website

4.8/5
$0

1%-5%

Cashback

$350

Apply now

on Chase's website

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

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

Apply now

on U.S. Bank's website

Rates & Fees

4.6/5
$0

1%-3%

Cashback

$750

Apply now

on U.S. Bank's website

Rates & Fees

2% cash back

Capital One Spark Cash Plus

Apply now

on Capital One's website

Rates & Fees

5.0/5
$150

2%-5%

Cashback

$1,200

Apply now

on Capital One's website

Rates & Fees

Rewards with no annual fee + intro APR

The Blue Business® Plus Credit Card from American Express

Apply now

on American Express' website

Rates & Fees

4.4/5
$0

1x-2x

Points

15,000

Points

Apply now

on American Express' website

Rates & Fees

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

Ink Business Preferred® Credit Card

Apply now

on Chase's website

4.9/5
$95

1x-3x

Points

120,000

Points

Apply now

on Chase's website

Corporate card for nonprofits

Ramp Card

Apply now

on Ramp's website

3.6/5
$0

0%

Cashback

N/A

Apply now

on Ramp's website

Accounting software integrations

BILL Divvy Corporate Card

Apply now

on BILL Spend & Expense's website

2.7/5
$0

1x-7x

Points

N/A

Apply now

on BILL Spend & Expense's website

5% cash back on Amazon brands

Amazon Business Prime American Express Card

Apply now

on American Express' website

Rates & Fees

4.2/5
$0

1%-2%

$125

Apply now

on American Express' website

Rates & Fees

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

The Hilton Honors American Express Business Card

Apply now

on American Express' website

Rates & Fees

4.8/5
$195

3x-12x

Points

130,000

Points

Apply now

on American Express' website

Rates & Fees

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

3.6/5
$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.

Fundera by NerdWallet

I'M INTERESTED IN:

Our pick for

Up to 5% cash back, no annual fee

Ink Business Cash® Credit Card

Read Review
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 

4.8/5
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®

Read Review
Apply now

on U.S. Bank's website

Annual fee
$0
Rewards rate
1%-3% Cashback
Intro offer
$750

Pros

  • Bonus cash back categories
  • No annual fee
  • Intro APR period on purchases

Cons

  • Requires good/excellent credit
  • Low rate outside bonus categories

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

NerdWallet rating 

4.6/5
Apply now

on U.S. Bank's website

Annual fee
$0
Rewards rate
1%-3% Cashback
Intro offer
$750

Our pick for

2% cash back

Capital One Spark Cash Plus

Read Review
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

Read Review
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 

4.4/5
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

Read Review
Apply now

on Chase's website

Annual fee
$95
Rewards rate
1x-3x Points
Intro offer
120,000 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
120,000 Points

Our pick for

Corporate card for nonprofits

Ramp Card

Read Review
Apply now

on Ramp's website

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

Pros

  • No annual fee or foreign transaction fees
  • 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
  • Rewards rate varies and is determined for each customer by Ramp.

Ramp Card

NerdWallet rating 

3.6/5
Apply now

on Ramp's website

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

Our pick for

Accounting software integrations

BILL Divvy Corporate Card

Read Review
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
  • Not available to sole proprietors.

BILL Divvy Corporate Card

NerdWallet rating 

2.7/5
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

Read Review
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 

4.2/5
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

Read Review
Apply now

on American Express' website

Annual fee
$195
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 

4.8/5
Apply now

on American Express' website

Annual fee
$195
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

Read Review
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 

3.6/5
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:
4.8
If your business's spending matches the bonus categories on the
Ink Business Cash® Credit Card
, including 5% cash back on spending at office supply stores, 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:
4.6
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 12 billing cycles on purchases, 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. 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. 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.