Advertiser Disclosure

Many of the credit card offers that appear on this site are from credit card companies from which we receive financial compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). However, the credit card information that we publish has been written and evaluated by experts who know these products inside out. We only recommend products we either use ourselves or endorse. This site does not include all credit card companies or all available credit card offers that are on the market. See our advertising policy here where we list advertisers that we work with, and how we make money. You can also review our credit card rating methodology.

    The 6 Best Business Credit Cards for Nonprofit Organizations [June 2024]

    We may be compensated when you click on product links, such as credit cards, from one or more of our advertising partners. Terms apply to the offers below. See our Advertising Policy for more about our partners, how we make money, and our rating methodology. Opinions and recommendations are ours alone.

    In this guide, we’ll show you our favorite business credit cards for nonprofit organizations (including churches), with a focus on low annual fees, high rewards for office spending, and more.

    Top Picks (Quick Summary)

    SCROLL FOR MORE
    CardWelcome Offer and Annual FeeBenefits for Nonprofit Organizations
    Ink Business Unlimited® Credit Card

    Ink Business Unlimited® Credit Card

    • Earn $750 cash back after spending $6,000 in the first 3 months.
    • Annual fee of $0
    • Unlimited 1.5% cash-back on all purchases
    • No-fee employee cards
    • 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter
    • Travel insurance
    Ink Business Cash® Credit Card

    Ink Business Cash® Credit Card

    • Earn $750 cash back after spending $6,000 in the first 3 months.
    • Annual fee of $0
    • 5% cash-back at office supply stores and cellular phone, landline, internet, and cable TV services (up to $25,000 in combined purchases per cardmember year)
    • 2% cash-back at gas stations and restaurants (up to $25,000 in combined purchases per cardmember year)
    • 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter
    • Travel insurance
    The Blue Business® Plus Credit Card from American Express

    The Blue Business® Plus Credit Card from American Express

    • Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
    • Annual fee of $0 (rates & fees)
    • Earn 2x Membership Rewards points on all business purchases (up to $50,000 per calendar year)
    • No-fee employee cards (rates & fees)
    Ink Business Preferred® Credit Card

    Ink Business Preferred® Credit Card

    • Earn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months.
    • Annual fee of $95
    • Earn 3x Ultimate Rewards points on travel and select business categories (up to $150,000 every cardmember year)
    • No-fee employee cards

    1. Ink Business Unlimited® Credit Card (Top Pick, No Annual Fee, LOW Intro APR)

    Ink Business Unlimited® Credit Card
    U.P. Rating 
    The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

    The Ink Business Unlimited card is a stellar option for business owners looking for a no-fuss uncapped 1.5% cash-back card without an annual fee.

    Learn More(at Chase's secure site)
    The Ink Business Unlimited card is a stellar option for business owners looking for a no-fuss uncapped 1.5% cash-back card without an annual fee.
    Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
    $750
    $750
    $0
    0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter
    Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
    Good to Excellent (670-850)

    As a business owner, you likely keep pretty busy and probably prefer a credit card that just keeps things simple.

    If so, the Ink Business Unlimited® Credit Card might be just the card for you. From zero annual fee to a flat cash-back rate, the card is a no-frills option that you don’t have to think twice about.

    Don’t forget too, 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter

    Pros
    • 1.5% cash-back on all purchases
    • No annual fee
    • 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter
    Cons
      • 3% foreign transaction fee
    • Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
    • Earn unlimited 1.5% cash back on every purchase made for your business
    • No Annual Fee
    • Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
    • Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
    • Round-the-clock monitoring for unusual credit card purchases
    • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
    • 0% introductory APR for 12 months on purchases
    • Member FDIC
    Financial Snapshot
    • APR: 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter
    • Foreign Transaction Fees: 3% of each transaction in U.S. dollars
    Rewards Center

    One of our favorite business credit cards for nonprofits is the Ink Business Unlimited card. This credit card allows you to earn simple rewards with the option to earn transferable rewards.

    This credit card starts with no annual fee and offers an amazing welcome bonus. And throughout all of this, you will get 1.5% cash-back on all your purchases without any caps. You don’t need to pay attention to any fancy bonus categories or any earning ceilings.

    Just focus on running your business and rack up your points! You can add unlimited employee cards with no extra fees.

    This card offers another keystone benefit: 0% introductory APR on purchases for 12 months. This could help you manage any rolling balances that you don’t pay off immediately without amassing huge interest fees, but of course, you’ll need to ensure that all of your balance is paid off when this 0% period ends to avoid paying high interest rates.

    Many business credit cards don’t offer protection and coverage for your purchases, but the Ink Business Unlimited card has zero liability protection, purchase protection, and extended warranty coverage.

    Lastly, you can get primary rental car coverage and other travel insurance benefits when traveling for business.

    2. Ink Business Cash® Credit Card (No Annual Fee, LOW Intro APR)

    UP TO $750 BACK
    Ink Business Cash® Credit Card
    U.P. Rating 
    The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

    This card offers great rewards and no annual fee. Any new business owner that needs to get going will enjoy this card.

    Learn More(at Chase's secure site)
    This card offers great rewards and no annual fee. Any new business owner that needs to get going will enjoy this card.
    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.
    Up to $750
    Up to $750
    $0
    0% intro APR on purchases for 12 months; 18.49% - 24.49% variable thereafter.
    Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
    Good to Excellent (670-850)

    The Ink Business Cash® Credit Card has a lot going for it that makes it a compelling choice for small business owners. The card features a very lucrative 5% back on up to $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet, and cable TV services each account anniversary year.

    When you factor in that the card has no annual fee, and 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter, you could be adding big value back into your business for no cost out of pocket.

    Pros
    • Earn 5% back on up to $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet, and cable TV services each account anniversary year
    • Earn 2% back on up to $25,000 spent in combined purchases at gas stations and restaurants, and 1% back on all other purchases
    • 10% Business Relationship Bonus if you have the Ink Business Cash card plus a Chase Business Checking account on your first card anniversary
    Cons
    • Spending caps in bonus categories
    • Low points earning outside of bonus categories
    • 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
    • 10% Business Relationship Bonus If you have the Ink Business Cash card plus a Chase Business Checking account on your first card anniversary
    • 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®.
    • 0% introductory APR for 12 months on purchases
    • Member FDIC
    Financial Snapshot
    • APR: 0% intro APR on purchases for 12 months; 18.49% - 24.49% variable thereafter.
    • Foreign Transaction Fees: 3% of each transaction in U.S. dollars
    Rewards Center

    Chase Ultimate Rewards

    The Ink Business Cash card is the sister credit card of the Ink Business Unlimited card. It shares a lot of the same benefits and features, but there are a few key differences.

    The card has the same purchase protections, like zero liability protection, an introductory APR benefit, no annual fee, and no-additional-fee employee cards.

    You’ll also enjoy the primary rental car collision damage waiver and travel coverage perks.

    Now, let’s compare the 2 cards in the context of nonprofit organizations. Whereas the Ink Business Unlimited card earns a flat 1.5% cash-back, the Ink Business Cash card earns up to 5% cash-back in certain bonus categories.

    Specifically, you can 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
    • 2% cash-back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
    • 1% cash-back on all other purchases

    Your 5%, 2%, and 1% cash-back is convertible to 5x, 2x, and 1x Ultimate Rewards points per dollar if you have an Ultimate Rewards card like the Chase Sapphire Preferred card.

    For nonprofit organizations that spend a lot of money on office supplies or the other categories in this list, it could make sense to hold this card.

    One thing you’ll also want to note is that the bonus categories have a $25,000 cap per cardmember year; after you pass this cap, you’ll earn 1% cash-back.

    Bottom Line: We generally would recommend the Ink Business Cash card over the Ink Business Unlimited card for small-scale nonprofit organizations (including churches) that primarily spend money at office supply stores and on internet, cable, and phone services. 

    3. The Blue Business® Plus Credit Card from American Express

    The Blue Business® Plus Credit Card from American ExpressTerms Apply / Rates & Fees
    U.P. Rating 
    The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

    Earn Membership Rewards for your business spending the easy way: get 2x points for the first $50,000 in purchases per year.

    Learn More(at Amex's secure site)
    Earn Membership Rewards for your business spending the easy way: get 2x points for the first $50,000 in purchases per year.
    Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
    15,000 points
    $330
    No annual fee
    18.49% - 26.49% Variable,0% on purchases for 12 months from date of account opening
    Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
    Good to Excellent (670-840)

    As a business owner, getting a credit card that maximizes each dollar you spend does not have to be complicated or expensive. Especially when you opt for The Blue Business® Plus Credit Card from American Express.

    With the Amex Blue Business Plus card, you’ll earn 2x Membership Rewards points on everyday business purchases throughout the year (up to $50,000; 1x thereafter) and receive purchase protections and no-additional-charge employee cards all for no annual fee (see rates and fees).

    The simple and straightforward earning structure makes it a great fit for those looking to earn flexible rewards, without having to fixate on which purchases earn the most points.

    Let’s take look at all that the Amex Blue Business Plus card has to offer.

    Pros
    • 2x Membership Rewards points per $1 on everyday business purchases (up to $50,000; 1x thereafter)
    • Purchase protection and extended warranty protection
    • No annual fee and employee cards at no additional cost
    Cons
    • No unique bonus categories and 2x earnings are capped at $50,000 in annual spend
    • No elite travel benefits like lounge access or elite status
    • Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
    • 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% - 26.49%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
    • Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
    • You’ve got the power to use your Card beyond its credit limit* with Expanded Buying Power.
    • *The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors.
    • No Annual Fee
    • Terms Apply
    Financial Snapshot
    • APR: 18.49% - 26.49% Variable,0% on purchases for 12 months from date of account opening
    • Foreign Transaction Fees: 2.7% of each transaction after conversion to US dollars.
    Rewards Center

    American Express Membership Rewards

    Our next credit card is the Amex Blue Business Plus card, and we love this card because it allows you to maximize your rewards! We think that you’ll love this card because you can earn 2x Membership Rewards points on everyday business purchases, up to $50,000 per calendar year. After that, you’ll earn 1x.

    This card is one of the best choices you have, especially if you’re a smaller nonprofit. If you maxed out the cap, you would earn 100,000 points per year, worth around $2,200 according to our valuations.

    In addition, you would enjoy the ability to add employee cards at no additional cost, access to Amex Offers, and of course, access to the amazing Membership Rewards program (rates & fees).

    4. Ink Business Preferred® Credit Card (Best Sub-$100 Annual Fee Card)

    100K-POINT OFFER
    Ink Business Preferred® Credit Card
    U.P. Rating 
    The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

    The Ink Business Preferred card is hard to beat, with a huge welcome bonus offer and 3x points per $1 on the first $150,000 in so many business categories.

    Learn More(at Chase's secure site)
    The Ink Business Preferred card is hard to beat, with a huge welcome bonus offer and 3x points per $1 on the first $150,000 in so many business categories.
    Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Travel
    100,000 points
    $2,000
    $95
    21.24%-26.24% Variable
    Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
    Good to Excellent (670-850)

    The Ink Business Preferred® Credit Card is a powerhouse for earning lots of points from your business purchases, especially for business owners that spend regularly on ads.

    Plus the card offers flexible redemption options, including access to Chase airline and hotel transfer partners where you can achieve outsized value.

    Business owners will also love the protections the card provides like excellent cell phone insurance, rental car insurance, purchase protection, and more.

    Pros
    • 3x Ultimate Rewards points per $1 on up to $150,000 in combined purchases on internet, cable and phone services, shipping expenses, travel, and ads purchased with search engines or social media sites
    • Cell phone protection
    • Purchase protection
    Cons
      • No elite travel benefits like airport lounge access
    • Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Travel℠
    • Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
    • Round-the-clock monitoring for unusual credit card purchases
    • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
    • Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
    • Points are worth 25% more when you redeem for travel through Chase Travel℠
    • Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
    • Member FDIC
    Financial Snapshot
    • APR: 21.24%-26.24% Variable
    • Foreign Transaction Fees: None
    Rewards Center

    Chase Ultimate Rewards

    The Ink Business Preferred card is yet another outstanding business credit card you can use for your nonprofit business.

    This card boasts a huge welcome bonus and the ability to earn 3x Ultimate Rewards points per $1 spent on select business categories (up to $150,000 per cardmember year):

    • Internet, cable, and phone services
    • Shipping expenses
    • Travel
    • Ads purchased with search engines or social media sites

    This card earns Ultimate Rewards points directly, so you don’t need to have another card, as you would with the Ink Business Unlimited card, to use transfer partners.

    In addition to awesome 3x points earning potential, you’ll get some fantastic cell phone insurance. With this coverage, you can get up to $1,500 in value from up to 3 claims every 12-month period with a maximum of $600 per claim and a $100 deductible per claim.

    It doesn’t end there because you’ll also get purchase protection, extended warranty protection, trip cancellation and interruption insurance, and primary rental car insurance.

    Of course, you can add employee cards for no additional fee, as well.

    5. The American Express Blue Business Cash™ Card

    The American Express Blue Business Cash™ CardTerms Apply / Rates & Fees
    U.P. Rating 
    The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

    Take control of your cash-back with the Amex Blue Business Cash card, and earn 2% cash-back on up to $50,000 in purchases each year.

    Learn More(at Amex's secure site)
    Take control of your cash-back with the Amex Blue Business Cash card, and earn 2% cash-back on up to $50,000 in purchases each year.
    Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
    $250
    $0
    0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% - 26.49%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
    Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
    Good to Excellent (670-850)

    Looking for a way to keep tabs on your office supply costs and business travel expenses while earning cash-back? Then The American Express Blue Business Cash™ Card could be a good fit.

    This card offers expense management solutions that are designed to give companies more control, along with a much clearer picture of their business spending. In doing so, the more you spend, the more cash-back you can earn.

    Pros
    • 2% cash-back on up to $50,000 in spend, then 1% back thereafter
    • No annual fee
    • Travel and purchase protection
    Cons
      • Not ideal for those who spend a lot on a specific category like groceries or gas
    • 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, 18.49% – 26.49%, 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.
    • Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us and other factors.
    • No Annual Fee
    • Terms Apply
    Financial Snapshot
    • APR: 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% - 26.49%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
    • Foreign Transaction Fees: 2.7% of each transaction after conversion to U.S. dollars

    If you’re looking for a no-frills system that allows you to invest all of your rewards back into your nonprofit, the Amex Blue Business Cash card is a great way to rack up cash-back quickly.

    The Amex Blue Business Cash card earns 2% cash-back on all eligible purchases (up to $50,000 per calendar year), then 1% after that. The cash-back is automatically credited on your statement, so you don’t need to worry about redeeming your rewards.

    Also, this card offers a 0% introductory APR on purchases (as shown in the table above), which is a neat way to avoid interest on purchases made.

    Additional features include no annual fee for the primary and any employee cards and access to Amex Offers (see rates & fees).

    For rates and fees of The Blue Business® Plus Credit Card from American Express, click here.
    For rates and fees of The American Express Blue Business Cash™ Card, click here.

    DMCA.com Protection Status