Best business credit cards for nonprofits
- The American Express Blue Business Cash™ Card: Best for small nonprofits.
- BILL Divvy Corporate Card: Best for replacing employee reimbursements.
- Capital One Spark Cash Plus: Best for no preset spending limit.
- Charity Charge Nonprofit Credit Card: Best secured card designed for nonprofits.
- Devote Card: Best spend management platform for nonprofits.
- Ink Business Cash® Credit Card: Best for up to 5% cash back on office supplies.
- Ramp Card: Best corporate card for nonprofits.
- U.S. Bank Business Altitude® Connect Visa Signature® Card: Best travel card for nonprofits.
- U.S. Bank Triple Cash Rewards Visa® Business Card: Best for up to 3% cash back on gas.
- Wells Fargo Signify Business Cash℠ Card: Best cash-back business credit card for nonprofits.
Best business credit cards for nonprofits
- The American Express Blue Business Cash™ Card: Best for small nonprofits.
- BILL Divvy Corporate Card: Best for replacing employee reimbursements.
- Capital One Spark Cash Plus: Best for no preset spending limit.
- Charity Charge Nonprofit Credit Card: Best secured card designed for nonprofits.
- Devote Card: Best spend management platform for nonprofits.
- Ink Business Cash® Credit Card: Best for up to 5% cash back on office supplies.
- Ramp Card: Best corporate card for nonprofits.
- U.S. Bank Business Altitude® Connect Visa Signature® Card: Best travel card for nonprofits.
- U.S. Bank Triple Cash Rewards Visa® Business Card: Best for up to 3% cash back on gas.
- Wells Fargo Signify Business Cash℠ Card: Best cash-back business credit card for nonprofits.
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Here are the best credit cards for nonprofits
Here are the best credit cards for nonprofits
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Cashback
on Chase's website
Rates & Fees
Pros
- Intro APR period
- New cardholder bonus offer
- High reward rate in bonus categories
Cons
- Low rate outside bonus categories
- Spending caps on bonus rewards
Ink Business Cash® Credit Card
Best for 5% cash back on office supplies
Cashback
on Chase's website
Rates & Fees
Pros
- Intro APR period
- New cardholder bonus offer
- High reward rate in bonus categories
Cons
- Low rate outside bonus categories
- Spending caps on bonus rewards
Cashback
on Capital One's website
Rates & Fees
Pros
- High rewards rate
- No preset spending limit
- No foreign transaction fees
- New cardholder bonus offer
Cons
- High annual fee
- Balance must be paid in full every month
- High spending requirement to hit bonuses
- Requires excellent credit
Capital One Spark Cash Plus
Best for No preset spending limit
Cashback
on Capital One's website
Rates & Fees
Pros
- High rewards rate
- No preset spending limit
- No foreign transaction fees
- New cardholder bonus offer
Cons
- High annual fee
- Balance must be paid in full every month
- High spending requirement to hit bonuses
- Requires excellent credit
Cashback
on U.S. Bank's website
Rates & Fees
Pros
- High cash-back bonus rate
- No cap on bonus rewards
- Intro APR period on purchases
- 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
U.S. Bank Triple Cash Rewards Visa® Business Card
Best for Up to 3% cash back on gas
Cashback
on U.S. Bank's website
Rates & Fees
Pros
- High cash-back bonus rate
- No cap on bonus rewards
- Intro APR period on purchases
- 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
Cashback
⏱️ New bonus offer
on Ramp's website
Pros
- No annual fee or foreign transaction fees
- No personal guarantee or credit check
- 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 Card
Best for Corporate card for nonprofits
Cashback
⏱️ New bonus offer
on Ramp's website
Pros
- No annual fee or foreign transaction fees
- No personal guarantee or credit check
- 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
Points
on BILL Spend & Expense's website
Pros
- No annual fee
- Card-level spending controls
- No personal guarantee
- Available to sole proprietors
Cons
- Complicated rewards structure with limits on redemption
- Rewards rate varies depending on user activity
BILL Divvy Corporate Card
Best for Replacing employee reimbursements
Points
on BILL Spend & Expense's website
Pros
- No annual fee
- Card-level spending controls
- No personal guarantee
- Available to sole proprietors
Cons
- Complicated rewards structure with limits on redemption
- Rewards rate varies depending on user activity
Cashback
on American Express' website
Rates & Fees
Pros
- High cash-back bonus rate
- Intro APR period
- New cardholder bonus offer
Cons
- Spending caps on bonus rewards
- Low rate after you hit bonus cap
The American Express Blue Business Cash™ Card
Best for Small nonprofits
Cashback
on American Express' website
Rates & Fees
Pros
- High cash-back bonus rate
- Intro APR period
- New cardholder bonus offer
Cons
- Spending caps on bonus rewards
- Low rate after you hit bonus cap
U.S. Bank Business Altitude® Connect Visa Signature® Card
Best for Travel card for nonprofit leaders
Points
Points
on U.S. Bank's website
Rates & Fees
Pros
- New cardholder bonus offer
- High bonus rewards rate
- Annual fee waived for the first year
- Reports to Dun & Bradstreet
Cons
- No intro APR offer
- Activity on employee cards does not count toward bonus spending requirement
U.S. Bank Business Altitude® Connect Visa Signature® Card
Best for Travel card for nonprofit leaders
Points
Points
on U.S. Bank's website
Rates & Fees
Pros
- New cardholder bonus offer
- High bonus rewards rate
- Annual fee waived for the first year
- Reports to Dun & Bradstreet
Cons
- No intro APR offer
- Activity on employee cards does not count toward bonus spending requirement

- 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.
NERDWALLET'S GUIDE TO NONPROFIT CREDIT CARDS
- 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.
Can nonprofits use credit cards — and should they?
Do nonprofits pay credit card fees?
Who can get a nonprofit credit card?
- 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.