Nonprofit Credit Card: 5 Best Cards for Your Organization
Nonprofit Credit Card
If your nonprofit is seeking a more efficient way to manage expenses, streamline purchases, or earn valuable rewards, a nonprofit credit card can be a powerful tool.
While nonprofits operate differently from for-profit businesses, they still face similar financial needs, including covering travel costs, purchasing supplies, and paying vendors. The right credit card can help your organization stay organized, build credit, and even stretch your budget further through perks like cashback or points.
So, how can you find the perfect nonprofit credit card for your organization?
We’ve rounded up five of our favorite credit cards for nonprofits so you can find the smart solution for your spending needs.
What Is a Nonprofit Credit Card, Anyway?
A nonprofit credit card is a type of business credit card specifically selected to meet the unique needs of nonprofit organizations. These cards enable nonprofits to manage day-to-day expenses, track spending, and even earn rewards or cash back that you can reinvest in the organization’s work.
They can also help nonprofits build credit history, making it easier to qualify for loans or grants in the future. Whether you’re paying for event supplies, travel, or recurring bills, a nonprofit credit card offers both convenience and control, often with features like:
- Multiple user access
- Spending limits, and
- Detailed reporting.
For organizations seeking to streamline financial operations while maximizing every dollar, a nonprofit credit card can be a smart and strategic choice.
Can nonprofits have credit cards?
Yes! Nonprofits are eligible for business credit cards in the same way as for-profit companies are.
Of course, you’ll need good or excellent business credit and must commit to responsible spending habits.
Steps for Getting Credit Cards for Nonprofits
Getting your nonprofit credit card doesn’t have to be complicated, especially if you’re already a registered entity. It’s as easy as:
- Establishing business credit by opening a bank account and considering small lines of credit to build your organization’s credit profile.
- Comparing card options and select one that meets your organization’s needs.
- Applying for a card, ready to share your EIN, financial records, and the name and Social Security number of an authorized signer.
Top 5 Nonprofit Credit Cards: How We Chose
To find the best credit cards for nonprofits, we focused on features that matter most to mission-driven organizations. That includes:
- Low or no annual fees
- Straightforward approval processes, and
- Tools for tracking and managing expenses across teams.
- We also looked for cards that offer rewards—like cash back or points—that can benefit nonprofits without adding complexity.
Finally, we considered:
- Customer reviews
- Ease of account management, and
- Compatibility with nonprofit structures.
The result is a list of cards that combine financial flexibility with practical value for organizations doing meaningful work.
Round-Up of the Best Credit Cards for Nonprofits
| CREDIT CARD | OUR RATING | ANNUAL FEE | CREDIT SCORE | WELCOME BONUS |
| Ink Business Unlimited® Credit Card | ⭑⭑⭑⭑⭑ | $0 | Excellent, Good | Earn a $750 cash back bonus after you spend $6,000 in the first three months. |
| Capital One Venture X Business | ⭑⭑⭑⭑⭑ | $395 | Excellent | Earn 150,000 bonus miles after spending $30,000 in the first three months. |
| Capital One Spark Cash Plus | ⭑⭑⭑⭑⭑ | $150 | Excellent | Earn a $750 cash bonus when you spend $15,000 in the first three months. |
| Ink Business Cash® Credit Card | ⭑⭑⭑⭑⭒ | $0 | Excellent, Good | Earn $350 when you spend $3,000 in the first three months and an additional $400 when you spend $6,000 in the first six months. |
| American Express® Business Gold Card | ⭑⭑⭑⭑⭒ | $0 | Excellent, Good | Earn 100,000 pointsafter you spend $15,000 on eligible purchases in the first three months. |
Our Picks
All featured products are chosen at the discretion of the author and DGHQ editors. However, Do Good HQ may make a small affiliate commission if you click through and make a purchase.
1. Ink Business Unlimited® Credit Card
| Welcome Bonus | $750 cash back bonus after spending $6,000 on purchases in the first 3 months. |
| Annual Fee | $0 |
| Regular APR | 17.49%-23.49% Variable APR |
| Required Credit Score | 690-850 |
If you’d rather rack up cashback instead of monitoring rotating rewards categories, then this is the card for you. We consider it one of the best credit cards for nonprofits because it has a simple, straightforward rewards program, a $0 annual fee, and offers unlimited 1.5% cash back on all purchases.
Pros & Cons
- Cons: There are no bonus categories for cash back, only a flat cash back rate across the board. There’s also a foreign transaction fee.
- Pros: Enjoy no APR for your first year and no annual fee. This card lets you earn unlimited 1.5% cash back on every purchase, so the more you spend, the greater the rewards. There’s no rewards cap,
Card Details
Earn 1.5% cash back on every purchase. New cardholders can earn $750 in bonus cash after spending $6,000 in the first six months after opening the account. Rewards points that you earn can be redeemed for cash back, travel, gift cards, and more through Chase Ultimate Rewards®.
The card also comes with round-the-clock monitoring for suspicious activity, and you won’t be held responsible for unauthorized purchases.
2. Capital One Venture X Business
| Welcome Bonus | Earn 150,000 bonus miles after spending $30,000 on purchases within the first 3 months. |
| Annual Fee | $395 |
| Regular APR | N/A |
| Required Credit Score | 720-850 |
If you’re looking for a nonprofit travel card, look no further. This is the card for those on the go. With hefty travel rewards and no preset spending limit, you can make the miles really count. It allows your team to make big purchases while earning miles that you can spend on flights, hotels, and more.
Pros & Cons
- Pros: High rewards, no regular APR, and 10,000 bonus miles every year. You’ll also earn 10X miles on hotels and rental cars, and 5X miles on flights and vacation rentals reserved through Capital One’s travel booking site.
- Cons: The account balance is due in full every month, with interest charged for the remaining unpaid balance. The annual fee is also significantly higher than that of the other cards on this list.
Card Details
This card lets you earn unlimited 2X miles on every purchase with no limits or category restrictions, and even more when you book travel with Capital One. There is no regular APR or present spending limit, but the full card balance is due each month.
Once you open the account, you can earn 150,000 bonus miles after spending $30,000 in the first three months. You’ll also receive up to a $120 credit for Global Entry or TSA PreCheck®.
3. Capital One Spark Cash Plus
| Welcome Bonus | Earn a $750 cash bonus when you spend $15,000 in the first 3 months. |
| Annual Fee | $150 |
| Regular APR | N/A |
| Required Credit Score | 720-850 |
For big spenders with big expenses, this high-rewards credit card offers unlimited 2% cashback on every purchase you make for your business. There’s no preset spending limit and no regular APR, making it a great card for covering up-front costs and earning you significant rewards in return.
Pros & Cons
- Pros: 0% APR and unlimited 2% cash back on all purchases. There’s no foreign transaction fee, and the card comes with a generous bonus offer.
- Cons: The card requires payment in full every month, and it has a high annual fee.
Card Details
As a welcome bonus, new cardholders can earn a $750 cash bonus when they spend $15,000 in the first three months. There is no preset spending limit, and you receive unlimited cashback on all business purchases. You need an excellent credit score to be approved.
4. Ink Business Cash® Credit Card
| Welcome Bonus | Earn $350 when you spend $3,000 in the first 3 months and an additional $400 when you spend $6,000 in the first 6 months. |
| Annual Fee | $0 |
| Regular APR | 17.49%-25.49% Variable APR |
| Required Credit Score | 690-850 |
If office supplies and telecom services are a big budget item for you, this cash back card can make it worth your while. While you can earn 1% cashback on all purchases, certain purchases can earn you as much as 5% back. With a generous welcome bonus and no APR for the first year, it’s a great choice for those who anticipate spending in specific categories.
Pros & Cons
- Pros: 0% APR for the first year and a generous welcome bonus. Enjoy high cash back percentages on select categories.
- Cons: Cashback rewards are capped for select categories, and the general cashback percentage for all other categories is fairly low.
Card Details
Earn 1% cash back on all purchases and 5% back on the first $25,000 you spend on combined office supplies, internet, cable, and phone bills. You can also earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants every account anniversary year.
5. American Express® Business Gold Card
| Welcome Bonus | Earn 100,000 points after you spend $15,000 on eligible purchases in the first 3 months. |
| Annual Fee | $375 |
| Regular APR | 18.49% – 29.24% variable APR. |
| Required Credit Score | 670-850 |
If your nonprofit regularly spends across categories like advertising, software, travel, or office supplies, then this business credit card could be a strong contender. While it has a high annual fee, it rewards you generously, especially if you’re spending in the right categories.
Pros & Cons
- Pros: Automatically earn 4 points per dollar on the two eligible categories you spend the most on each billing period.
- Cons: 4 points per dollar earnings are capped after $150,000 annually. The annual fee is also higher than many other business cards.
Card Details
You can earn 100,000 points after you spend $15,000 on eligible purchases within the first 3 months. You can also earn 3X points on flights and prepaid travel booked through AmEx. While the 4X points are capped after $150,000, you’ll continue to earn one point for every dollar you spend on the card.
How to Choose the Best Nonprofit Credit Card for You
With so many cards to choose from, how do you find the perfect fit for your organization? Here are some things to consider when shopping for a nonprofit credit card:
- Cash back or travel rewards? Choose a card with rewards you can use, like travel points or cashback bonuses. Determine what kind of rewards are most likely to benefit your business and decide on the card that meets your needs.
- Evaluate your needs: Consider what you’ll be using the card for and choose one with rewards or perks that match your most common spending categories.
- Minimize interest: Choose a card with a low APR, or one that you can pay off in full each month.
With the right credit card in your toolkit, your nonprofit can manage spending more efficiently and focus its energy on what truly matters: making a meaningful impact.
