Best business credit cards for non-profits

No matter how well your non-profit fundraising efforts are paying off, you can boost your impact even more by using the right business credit card. The key is to take advantage of additional perks on purchases you’re already making anyway. From travel benefits to cash back, you can leverage your organization’s business credit card to help advance your cause — both when you sign up and as you continue to make purchases.

Non-profits of all sizes can use a business credit card. Here’s a roundup of the best options available so you can find the right fit for your organization. 

Best for office expenses:  Ink Business Cash℠ Credit Card 

Essentials: 

  • Annual Fee: $0
  • Rewards Rates: 5% cash back in select categories plus lower tiers in other categories
  • 0% introductory APR on purchases for 12 months
  • APR: 15.24% to 21.24% 
  • Intro Bonus: $500 cash back when you spend $3,000 in the first three months

Even better: 

In addition to 5% cash back in business categories such as office supplies stores and internet services, the Ink Business Cash Credit Card also provides your non-profit with 2% cash back on up to $25,000 spent at gas stations and restaurants. All other purchases earn 1% cash back with no limit. This card is ideal for organizations that are constantly ordering supplies to support their efforts. 

If you or your staff travels frequently, you can take advantage of the auto rental collision damage waiver that comes with this card. Travel and emergency assistance and roadside dispatch services are also included, which can save your organization money in the long run, not to mention protect your employees.

Best for non-profits who entertain frequently:  Bank of America® Business Advantage Cash Rewards Mastercard® credit card 

Essentials:

  • Annual Fee: $0
  • Rewards Rates: Tiered rewards rate categories between 1% and 3%
  • 0% introductory APR on all purchases during first nine billing cycles
  • APR: 13.99% to 23.99% 
  • Intro Bonus: $300 credit with $3,000 in purchases during first 90 days

Even better: 

In order to earn the highest cash back rewards possible, this card allows you to pick the category in which you earn 3%. You’ll also receive 2% cash back on dining expenses and 1% on everything else. If you frequently host events or entertain major donors, this card could be a lucrative option for you.

To really max out your rewards, consider joining the Business Advantage Relationship Rewards Platinum Honors program. This boosts all of your earnings percentages, including a whopping 5.25% cash back on your chosen category.  

Best for flat-rate rewards:  Capital One® Spark® Cash for Business

Essentials:

  • Annual Fee: $0 for the first year ($95 for subsequent years)
  • Rewards Rates: 2% cash back on all purchases
  • APR: 18.74%
  • Intro Bonus: $500 cash bonus when you spend $4,500 in the first three months

Even better: 

The Capital One Spark Cash for Business Credit Card makes it easy to track your rewards because there’s a flat rate of 2% on all purchases. The major upside (besides the ease of use) is that there’s no limit to how much you can earn on behalf of your non-profit. 

Another perk that comes with this card is that you get to pick your own monthly due date. Plus, adding employee cards is free and you can customize individual spending limits for each staff member depending on their roles and responsibilities. 

Best for no personal guarantor:  Charity Charge

Essentials:

  • Annual Fee: $0
  • Rewards Rates: 1% rebate on monthly statement
  • APR: 14.90%
  • Intro Bonus: None

Even better: 

Ideal for smaller non-profits, there’s no personal credit check with Charity Charge and you don’t have to worry about who’s going to serve as the personal guarantor. Your organization also benefits from discounts at more than 200 vendors across the country. Participating retailers include FedEx, Enterprise and Staples.

Your Charity Charge card is a Mastercard, so you get most of the benefits typically offered to Mastercard customers. One exception is that you can’t access MasterAssist Travel Services. If you plan to add employees to the account, you can restrict their access several different ways, including the number of daily transactions and a daily spending limit.

Best for large signup bonus:  Ink Business Preferred℠ Credit Card

Essentials:

  • Annual Fee: $95
  • Rewards Rates: 1 to 3 points per dollar spent
  • APR: 17.99% to 22.99%
  • Intro Bonus: 80,000 points after spending $5,000 in three months

Even better: 

In addition to a large introductory bonus, non-profits also earn 3 points per $1 spent in categories such as travel, shipping, internet and online advertising. The annual limit is $150,000 but you also earn an unlimited 1 point for each dollar spent on other purchases.

The Ink Business Preferred Credit Card is also well-suited for non-profits with missions abroad because there are no foreign transaction fees. Plus, your points are worth 25% more when you redeem both international and domestic travel when you book through the Chase Ultimate Rewards portal.