7 Best Credit Cards For Nonprofits

Jodie Price

By Jodie Price | Updated September 15, 2025

Finding the right credit card can help nonprofits stretch their budgets, manage expenses, and earn rewards that support their mission. With so many options available, it’s important to choose a card that balances savings, flexibility, and practical benefits for everyday operations. This guide outlines seven top credit cards for nonprofits, helping you find the best fit for your organization’s needs.

  • Amazon Business Prime American Express Card

    The Amazon Business Prime American Express Card is designed for organizations that spend often on Amazon and want flexible rewards. It provides options for either cash back or extended payment terms. Nonprofits that already use Amazon for supplies or services may find this card especially practical.

    Earning Structure:

    • 5% cash back or 90-day terms on Amazon Business, AWS, Whole Foods, and Amazon.com with Prime membership
    • 2% cash back at U.S. restaurants, U.S. gas stations, and wireless phone services purchased directly from providers
    • 1% cash back on all other purchases

    Welcome Bonus:

    The card often includes a sign-up bonus in the form of an Amazon gift card worth $125 upon approval.

    Card Details:

    • Annual fee: $0 (Prime membership required)
    • APR: Variable, typically 18.49%–26.49%
    • Other benefits: Car rental loss and damage insurance, extended warranty, purchase protection
    • Network: American Express
    • Type: Business credit card
    • Foreign transaction fees: None

    Key Benefits:

    • No annual fee to maintain the card
    • Flexible choice between cash back or payment terms
    • Extra rewards on Amazon-related purchases
    • Useful protections for travel and purchases

    Redemption Options:

    Cash back can apply as a statement credit or be used toward Amazon purchases.

    Credit Requirements:

    Applicants generally need a credit score of 670 or higher to qualify.

    Spending Limitations / Potential Drawbacks:

    The highest rewards only apply to Amazon-related spending, so nonprofits with diverse expenses may earn less.

    Why it Works for Beginners:

    It offers simple earning categories and no annual fee, making it easy for nonprofits to manage rewards without added costs.

  • Ink Business Cash® Credit Card

    The Ink Business Cash® Credit Card is a business credit card designed for small organizations, including nonprofits, that want to earn rewards on everyday purchases. It focuses on practical spending categories that many groups already use.

    This card is simple to manage and provides straightforward cash-back rewards. It can also help nonprofits track expenses while offering flexibility in how rewards are redeemed.

    Earning Structure:

    • 5x cash back on internet, cable, phone services, and office supply stores (up to a set limit each year)
    • 2x cash back on gas stations and dining purchases
    • 1x cash back on all other purchases

    Welcome Bonus:

    Earn a cash back of $350 upon spending $3,000 in the first three months and $400 upon spending $6,000 in the first six months of account opening.

    Card Details:

    • Annual fee: $0
    • APR: Variable, around 17.49%–25.49%
    • Other benefits: Employee cards at no extra cost, purchase protection, extended warranty coverage
    • Network: Visa
    • Type: Business credit card
    • Foreign transaction fees: 3%
    • Additional perks: Free access to business expense management tools

    Key Benefits:

    • No annual fee to maintain the card
    • High rewards on office-related purchases
    • Flexible redemption choices
    • Useful protections for purchases and warranties

    Redemption Options:

    Rewards can be redeemed for cash back, gift cards, or travel through Chase.

    Credit Requirements:

    Applicants typically need excellent credit, with a score of 670 or higher, to qualify.

    Spending Limitations / Potential Drawbacks:

    The highest reward rates are capped at a yearly spending limit, which may limit larger organizations.

    Why it Works for Beginners:

    The simple earning structure and no annual fee make it easy for new nonprofits to manage.

  • Capital One Spark Cash Select

    The Capital One Spark Cash Select is designed for small businesses and nonprofits that want simple rewards without extra complexity. It provides a simple way to earn money from daily purchases. The card works well for organizations that need predictable cash back instead of managing rotating categories and provides access to basic business tools that support financial tracking.

    Earning Structure:

    • Unlimited 1.5% cash back on every purchase
    • 5% cash back on hotels and rental cars booked through Capital One Travel

    Welcome Bonus:

    New cardholders can qualify for a $500 bonus after spending $4,500 in the first three months of membership.

    Card Details:

    • Annual fee: $0
    • APR: Variable, around 17.49%–23.49%
    • Other benefits: Free employee cards, expense management tools
    • Network: Mastercard
    • Type: Business credit card
    • Foreign transaction fees: None

    Key Benefits:

    • No annual fee
    • Unlimited flat-rate cash back on purchases
    • Extra rewards on travel booked through Capital One
    • Employee cards at no additional cost
    • No foreign transaction fees

    Redemption Options:

    Cash back can be redeemed as statement credits, checks, or applied toward past purchases.

    Credit Requirements:

    The card requires a credit score of 740 or higher.

    Spending Limitations / Potential Drawbacks:

    The flat 1.5% cash back rate may be less competitive for organizations with high spending in specific categories.

    Why it Works for Beginners:

    Its simple earning structure and no annual fee make it easy for nonprofits to manage without added complexity.

  • American Express® Business Gold Card

    The American Express® Business Gold Card is designed for organizations that want flexible rewards on common expenses. It offers a straightforward way to earn points while managing business or nonprofit spending. This card also provides tools to track purchases and organize finances.

    Earning Structure:

    • 4x points on the top two spending categories each month from eligible options
    • 3x points on flights and prepaid hotels booked through Amex Travel
    • 1x points on all other purchases

    Welcome Bonus:

    The card offers 100,000 Membership Rewards points after spending $15,000 within the first three months of membership.

    Card Details:

    • Annual fee: $375
    • APR: Variable, typically around 18.49%–29.24%
    • Other benefits: Expense management tools, travel protections, purchase coverage
    • Network: American Express
    • Type: Business credit card
    • Foreign transaction fees: None
    • Additional features: Flexible payment options

    Key Benefits:

    • Flexible rewards categories
    • No foreign transaction fees
    • Useful for expense tracking
    • Strong travel and purchase protections

    Redemption Options:

    Points can be redeemed for travel, gift cards, statement credits, or shopping through the Membership Rewards program.

    Credit Requirements:

    Applicants usually need good to excellent credit, often a score of 670 or higher.

    Spending Limitations / Potential Drawbacks:

    The annual fee may be high for smaller nonprofits or those with limited expenses.

    Why it Works for Beginners:

    It provides easy earning categories and clear redemption options, making it suitable for newcomers to business or nonprofit credit cards.

  • The American Express Blue Business Cash™ Card

    The American Express Blue Business Cash™ Card is designed for small organizations that want simple rewards without complex tracking. It provides straightforward cash back on everyday purchases, which can help nonprofits manage budgets more efficiently.

    This card also integrates with accounting tools, making expense management easier for staff and volunteers. Its simplicity makes it appealing for groups that prefer predictable and consistent rewards.

    Earning Structure:

    • 2% cash back on eligible purchases up to $50,000 per year
    • 1% cash back on all purchases after that limit

    Welcome Bonus:

    This card offers a $250 statement credit after spending $3,000 within the first three months of account opening.

    Card Details:

    • Annual fee: $0
    • APR: Variable, typically 17.49%–27.49%
    • Other benefits: Expense management tools, compatibility with QuickBooks
    • Network: American Express
    • Type: Business credit card
    • Foreign transaction fees: 2.7%
    • Additional details: Employee cards available at no extra cost

    Key Benefits:

    • No annual fee
    • Flat-rate cash back on most purchases
    • Simple reward structure without rotating categories
    • Integration with financial management software
    • Option to add employee cards for free

    Redemption Options:

    Cash back is automatically applied as a statement credit on the account.

    Credit Requirements:

    Applicants generally need good to excellent credit to qualify.

    Spending Limitations / Potential Drawbacks:

    Cash back earnings are capped at $50,000 in purchases per year before dropping to 1%.

    Why it Works for Beginners:

    Its simple earning structure and no annual fee make it easy for small nonprofits to manage.

  • The Blue Business® Plus Credit Card from American Express

    The Blue Business® Plus Credit Card is a simple rewards card that works well for nonprofits with steady expenses. It provides simple earnings without tracking rotating categories. This card is designed for organizations that want flexibility in how they use rewards. It suits both small and growing nonprofits that appreciate consistent benefits.

    Earning Structure:

    • 2x Membership Rewards® points on everyday business purchases (up to a yearly cap)
    • 1x point per dollar on all other purchases

    Welcome Bonus:

    Earn 15,000 Membership Rewards® points after spending $3,000 within the first three months of membership.

    Card Details:

    • Annual fee: $0
    • APR: 17.49%–27.49% variable, based on creditworthiness
    • Other benefits: Expanded buying power, employee cards at no extra cost
    • Network: American Express
    • Type: Business credit card
    • Foreign transaction fees: May apply
    • Rewards currency: Membership Rewards® points

    Key Benefits:

    • No annual fee
    • Flat-rate rewards on all purchases
    • Flexible redemption through Membership Rewards®
    • Employee cards available at no extra charge
    • Useful for pairing with premium Amex cards

    Redemption Options:

    Points can be redeemed for travel, gift cards, statement credits, or transferred to airline and hotel partners.

    Credit Requirements:

    Typically requires good to excellent credit to qualify.

    Spending Limitations / Potential Drawbacks:

    The card has a cap on the 2x earning rate each year, after which purchases earn 1x.

    Why it Works for Beginners:

    Its simple rewards system and $0 annual fee make it an ideal option for nonprofits new to business credit cards.

  • Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® Credit Card

    This card is designed for small businesses and nonprofits that want simple cash back without tracking rotating categories. It offers a flat rewards rate that applies to every purchase. Organizations that prefer predictable earnings may find it easier to manage with this card. It provides straightforward rewards that can fit into a wide range of budgets.

    Earning Structure:

    • Unlimited 1.5% cash back on all purchases

    Welcome Bonus:

    New cardholders can earn a $300 statement credit after spending $3,000 within the first three months of membership.

    Card Details:

    • Annual fee: $0
    • APR: 17.49%–27.49% variable, based on creditworthiness
    • Other benefits: Access to Bank of America online and mobile banking tools
    • Network: Mastercard
    • Type: Business credit card
    • Foreign transaction fees: May apply
    • Additional details: Option to link with Bank of America accounts for easier management

    Key Benefits:

    • No annual fee
    • Flat-rate rewards on every purchase
    • Simple structure with no rotating categories
    • Rewards do not expire with an active account
    • Can integrate with digital banking tools

    Redemption Options:

    Cash back can be redeemed as a statement credit or deposited into a Bank of America account.

    Credit Requirements:

    Applicants generally need excellent credit, with a FICO score of 740 or higher.

    Spending Limitations / Potential Drawbacks:

    The flat 1.5% cash back rate may not be as rewarding as category-based cards for certain expenses.

    Why it Works for Beginners:

    Its simple earning structure and no annual fee make it easy for nonprofits new to business credit cards.

Frequently Asked Questions

What are the benefits of using a credit card specifically designed for nonprofit organizations?

These cards often provide expense tracking tools that simplify reporting. They may also include rewards or cash back that can be reinvested into the nonprofit’s mission.

What should nonprofits look for when choosing a credit card to ensure they are getting the best terms?

Nonprofits should compare annual fees, APR, and whether the card requires a personal guarantee. They should also look at reward structures that align with frequent expenses.

Are there any credit cards tailored for the unique needs of churches and religious organizations?

Some nonprofit credit cards are open to religious groups as well as charities. These cards can centralize spending for staff and volunteers. This helps churches streamline expenses without relying on personal cards.

How can credit cards help nonprofits manage everyday operations more effectively?

Nonprofit credit cards often include expense management tools that integrate with accounting systems. Cards like the American Express® Business Gold Card and Amazon Business Prime American Express Card also provide protections and flexible rewards. These features streamline operations and help staff focus more on serving the mission.

Which credit cards are best for nonprofits seeking no annual fee?

Several cards in this list, such as the Ink Business Cash® Credit Card, Capital One Spark Cash Select, and the Blue Business® Plus Credit Card from American Express, charge no annual fee. These cards are ideal for nonprofits that want to save money while still earning rewards. They also provide useful features, like employee cards and expense tracking.