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5 Best Credit Cards for Nonprofits of February 2023

By Kelsey Sheehy
Last updated on February 2, 2023
Edited byRyan Lane

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 matters for a nonprofit. What isn’t spent keeping the lights on is pumped directly into the mission. The right small-business credit card can help a nonprofit organization put more money toward the work that matters most.
Aim for rewards that work for you. The best credit card for your nonprofit depends on your day-to-day activities and expenses. A business travel rewards card is great if your employees are regularly on the go. Focused on more local work? Look for a cash-back credit card that earns money on things like office supplies, wireless phone service and other everyday expenses.
Save on interest and fees. Some of the best business credit cards come with no annual fee, and a few offer 0% interest on purchases for the first year or longer. Those key benefits save your organization money. If you opt for a card that does carry an annual fee, make sure the rewards warrant the yearly charge.
All of our selections for the best cards for nonprofits are chosen by our editorial team, which independently evaluates and rates cards based on fees, rewards rates and redemption options, among numerous other factors.
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.
Featured Partner 

Capital One Spark Cash Plus

4.4
NerdWallet rating 
Apply now

on Capital One's website

Annual fee
$150
Rewards rate
2%-5% Cashback
Intro offer
$1,000
Recommended Credit Score
720-850excellent

Our Nerdy picks for

Up to 5% cash back, no annual fee

Ink Business Cash® Credit Card

2% cash back, free employee cards

Capital One Spark Cash Plus

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

Ink Business Preferred® Credit Card

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

The Hilton Honors American Express Business Card

Here are 5 credit card for nonprofit from our partners

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Make selection

Credit card
NerdWallet rating
Annual fee
Intro APR
Regular APR
Learn more

Ink Business Cash® Credit Card

Apply now

on Chase's website

5.0/5

Best for Up to 5% cash back, no annual fee

$0

0% intro APR on Purchases for 12 months

17.49%-23.49% Variable APR

Apply now

on Chase's website

Capital One Spark Cash Plus

Apply now

on Capital One's website

4.4/5

Best for 2% cash back, free employee cards

$150

N/A

N/A

Apply now

on Capital One's website

Ink Business Preferred® Credit Card

Apply now

on Chase's website

5.0/5

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

$95

N/A

20.24%-25.24% Variable APR

Apply now

on Chase's website

The Blue Business® Plus Credit Card from American Express

Apply now

on American Express' website

4.9/5

Best for Rewards with no annual fee + intro APR

$0

0% intro APR on purchases for 12 months from the date of account opening

17.74%-25.74% Variable APR

Apply now

on American Express' website

Rates & Fees

The Hilton Honors American Express Business Card

Apply now

on American Express' website

5.0/5

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

$95

N/A

20.24%-29.24% Variable APR

Apply now

on American Express' website

Rates & Fees

Our pick for

Up to 5% cash back, no annual fee

Ink Business Cash® Credit Card

5.0
NerdWallet rating 
Read Review
Apply now

on Chase's website

Annual fee
$0
Intro APR
0% intro APR on Purchases for 12 months
Regular APR
17.49%-23.49% Variable APR
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)

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 

NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features.

5.0/5
Apply now

on Chase's website

Annual fee
$0
Intro APR
0% intro APR on Purchases for 12 months
Regular APR
17.49%-23.49% Variable APR
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)

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

5.0
NerdWallet rating 
Read Review
Apply now

on Chase's website

Annual fee
$0
Intro APR
0% intro APR on Purchases for 12 months
Regular APR
17.49%-23.49% Variable APR
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)

Ink Business Cash® Credit Card

NerdWallet rating 

NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features.

5.0/5
Apply now

on Chase's website

Annual fee
$0
Intro APR
0% intro APR on Purchases for 12 months
Regular APR
17.49%-23.49% Variable APR
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)

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

Our pick for

2% cash back, free employee cards

Capital One Spark Cash Plus

4.4
NerdWallet rating 
Read Review
Apply now

on Capital One's website

Annual fee
$150
Intro APR
N/A
Regular APR
N/A
Recommended Credit Score
720-850excellent
720-850 (Excellent)

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

Capital One Spark Cash Plus

NerdWallet rating 

NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features.

4.4/5
Apply now

on Capital One's website

Annual fee
$150
Intro APR
N/A
Regular APR
N/A
Recommended Credit Score
720-850excellent
720-850 (Excellent)

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

Capital One Spark Cash Plus

4.4
NerdWallet rating 
Read Review
Apply now

on Capital One's website

Annual fee
$150
Intro APR
N/A
Regular APR
N/A
Recommended Credit Score
720-850excellent
720-850 (Excellent)

Capital One Spark Cash Plus

NerdWallet rating 

NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features.

4.4/5
Apply now

on Capital One's website

Annual fee
$150
Intro APR
N/A
Regular APR
N/A
Recommended Credit Score
720-850excellent
720-850 (Excellent)

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

Our pick for

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

Ink Business Preferred® Credit Card

5.0
NerdWallet rating 
Read Review
Apply now

on Chase's website

Annual fee
$95
Intro APR
N/A
Regular APR
20.24%-25.24% Variable APR
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)

Pros

  • New cardholder bonus offer
  • Bonus categories
  • Transfer partners

Cons

  • Has annual fee
  • No intro APR offer

Ink Business Preferred® Credit Card

NerdWallet rating 

NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features.

5.0/5
Apply now

on Chase's website

Annual fee
$95
Intro APR
N/A
Regular APR
20.24%-25.24% Variable APR
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)

Pros

  • New cardholder bonus offer
  • Bonus categories
  • Transfer partners

Cons

  • Has annual fee
  • No intro APR offer

Ink Business Preferred® Credit Card

5.0
NerdWallet rating 
Read Review
Apply now

on Chase's website

Annual fee
$95
Intro APR
N/A
Regular APR
20.24%-25.24% Variable APR
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)

Ink Business Preferred® Credit Card

NerdWallet rating 

NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features.

5.0/5
Apply now

on Chase's website

Annual fee
$95
Intro APR
N/A
Regular APR
20.24%-25.24% Variable APR
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)

Pros

  • New cardholder bonus offer
  • Bonus categories
  • Transfer partners

Cons

  • Has annual fee
  • No intro APR offer

Our pick for

Rewards with no annual fee + intro APR

The Blue Business® Plus Credit Card from American Express

4.9
NerdWallet rating 
Read Review
Apply now

on American Express' website

Annual fee
$0
Intro APR
0% intro APR on purchases for 12 months from the date of account opening
Regular APR
17.74%-25.74% Variable APR
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)

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 

NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features.

4.9/5
Apply now

on American Express' website

Annual fee
$0
Intro APR
0% intro APR on purchases for 12 months from the date of account opening
Regular APR
17.74%-25.74% Variable APR
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)

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

4.9
NerdWallet rating 
Read Review
Apply now

on American Express' website

Annual fee
$0
Intro APR
0% intro APR on purchases for 12 months from the date of account opening
Regular APR
17.74%-25.74% Variable APR
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)

The Blue Business® Plus Credit Card from American Express

NerdWallet rating 

NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features.

4.9/5
Apply now

on American Express' website

Annual fee
$0
Intro APR
0% intro APR on purchases for 12 months from the date of account opening
Regular APR
17.74%-25.74% Variable APR
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)

Pros

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

Cons

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

Our pick for

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

The Hilton Honors American Express Business Card

5.0
NerdWallet rating 
Read Review
Apply now

on American Express' website

Annual fee
$95
Intro APR
N/A
Regular APR
20.24%-29.24% Variable APR
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)

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 

NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features.

5.0/5
Apply now

on American Express' website

Annual fee
$95
Intro APR
N/A
Regular APR
20.24%-29.24% Variable APR
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)

Pros

  • High rewards rate
  • Automatic elite status
  • Luxury perks

Cons

  • Has annual fee
  • No free anniversary night

The Hilton Honors American Express Business Card

5.0
NerdWallet rating 
Read Review
Apply now

on American Express' website

Annual fee
$95
Intro APR
N/A
Regular APR
20.24%-29.24% Variable APR
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)

The Hilton Honors American Express Business Card

NerdWallet rating 

NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features.

5.0/5
Apply now

on American Express' website

Annual fee
$95
Intro APR
N/A
Regular APR
20.24%-29.24% Variable APR
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)

Pros

  • High rewards rate
  • Automatic elite status
  • Luxury perks

Cons

  • Has annual fee
  • No free anniversary night

FULL LIST OF EDITORIAL PICKS: CREDIT CARDS FOR NONPROFITS

Click the card name to read our review. Before applying, confirm details on the issuer’s website.
Our pick for: Up to 5% cash back, no annual fee
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.
Our pick for: 2% cash back and free employee cards
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 an extra welcome bonus, and qualify for an annual 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. Learn more and apply.
Our pick for: Overall rewards (up to 3X per $1 spent)
The
Ink Business Preferred® Credit Card
starts you off with one of the biggest sign-up bonuses of any credit card anywhere (assuming you spend enough to earn it), then gives you bonus rewards in common business spending categories. 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.
Our pick for: Rewards with no annual fee + intro APR
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.
Our pick for: Travel rewards, hotel card (up to 12X points)
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.

Charity Charge Nonprofit Business Card

Our pick for: Business card designed for nonprofits
The Charity Charge Nonprofit Business card was built for nonprofit organizations that have been in operation for at least two years. Your organization saves 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.
Last updated on February 2, 2023

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.