The 6 Best Business Credit Cards for Nonprofit Organizations [September 2023]

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)

Card	Welcome Offer and Annual Fee	Benefits for Nonprofit Organizations
Ink Business Unlimited® Credit Card	NEW OFFER: Earn $900 cash-back after spending $6,000 on purchases 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	NEW OFFER: Earn $900 cash-back after spending $6,000 on purchases 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	No welcome offer 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	NEW OFFER: 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)

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)

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

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 and fees).

4. Ink Business Preferred^® Credit Card

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

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 and 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.