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5 Best Credit Cards for Nonprofits of June 2022

Last updated on May 20, 2022

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Every dollar matters for a nonprofit. What isn’t spent keeping the lights on is pumped directly into the mission. The right small-business credit card can help a nonprofit organization put more money toward the work that matters most.
Aim for rewards that work for you. The best credit card for your nonprofit depends on your day-to-day activities and expenses. A business travel rewards card is great if your employees are regularly on the go. Focused on more local work? Look for a cash-back credit card that earns money on things like office supplies, wireless phone service and other everyday expenses.
Save on interest and fees. Some of the best business credit cards come with no annual fee, and a few offer 0% interest on purchases for the first year or longer. Those key benefits save your organization money. If you opt for a card that does carry an annual fee, make sure the rewards warrant the yearly charge.
Some of our selections for the best credit card for nonprofit organizations can be applied for through NerdWallet, and some cannot. Below, you'll find application links for the credit cards from our partners that are available through NerdWallet, followed by the full list of our picks.

Here are 5 options for you from our partners

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Credit card
NerdWallet rating
Annual fee
Rewards rate
Intro offer
Learn more

Ink Business Cash® Credit Card

Apply now

on Chase's website

5.0/5

Best for Up to 5% cash back, no annual fee

$0

1%-5%

Cashback

$750

Apply now

on Chase's website

Capital One Spark Cash Plus

Apply now

on Capital One's website

4.4/5

Best for 2% cash back, free employee cards

$150

2%-5%

Cashback

$1,000

Apply now

on Capital One's website

Ink Business Preferred® Credit Card

Apply now

on Chase's website

5.0/5

Best for Overall rewards (up to 3X per $1 spent)

$95

1x-3x

Points

100,000

Points

Apply now

on Chase's website

The Blue Business® Plus Credit Card from American Express

Apply now

on American Express's website

4.8/5

Best for Rewards with no annual fee + intro APR

$0

1x-2x

Points

15,000

Points

Apply now

on American Express's website

Rates & Fees

The Hilton Honors American Express Business Card

Apply now

on American Express's website

5.0/5

Best for Travel rewards, hotel card (up to 12X points)

$95

3x-12x

Points

130,000

Points

Apply now

on American Express's website

Rates & Fees

Our pick for

Up to 5% cash back, no annual fee

Read Review
Apply now

on Chase's website

Ink Business Cash® Credit Card

5.0
NerdWallet rating 
Read Review
Apply now

on Chase's website

Annual fee

$0

Rewards rate

1%-5%

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 card purchases with no limit to the amount you can earn

Cashback

Intro offer

$750

Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening.

Recommended Credit Score
690-850good - excellent

Pros

  • No annual fee
  • Intro APR period
  • New cardholder bonus offer

Cons

  • Requires good/excellent credit
  • Low rate outside bonus categories
  • Spending caps on bonus rewards

Our pick for

2% cash back, free employee cards

Read Review
Apply now

on Capital One's website

Capital One Spark Cash Plus

4.4
NerdWallet rating 
Read Review
Apply now

on Capital One's website

Annual fee

$150

Rewards rate

2%-5%

Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions. Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel.

Cashback

Intro offer

$1,000

Earn up to a $1,000 cash bonus; $500 once you spend $5,000 in the first 3 months, and $500 once you spend $50,000 in the first 6 months of account opening.

Recommended Credit Score
690-850good - excellent

Pros

  • Earns cash back on primary and employee cards
  • Rewards don’t expire
  • No foreign transaction fees

Cons

  • Balance must be paid in full every month
  • Has annual fee

Our pick for

Overall rewards (up to 3X per $1 spent)

Read Review
Apply now

on Chase's website

Ink Business Preferred® Credit Card

5.0
NerdWallet rating 
Read Review
Apply now

on Chase's website

Annual fee

$95

Rewards rate

1x-3x

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 - with no limit to the amount you can earn

Points

Intro offer

100,000

Earn 100k bonus points after you spend $15,000 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 Ultimate Rewards®

Points

Recommended Credit Score
690-850good - excellent

Pros

  • New cardholder bonus offer
  • Bonus categories
  • Transfer partners

Cons

  • Has annual fee
  • No intro APR offer

Our pick for

Rewards with no annual fee + intro APR

Read Review
Apply now

on American Express's website

The Blue Business® Plus Credit Card from American Express

4.8
NerdWallet rating 
Read Review
Apply now

on American Express's website

Annual fee

$0

Rewards rate

1x-2x

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. Terms Apply.

Points

Intro offer

15,000

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. Terms Apply.

Points

Recommended Credit Score
690-850good - excellent

Pros

  • No annual fee
  • High rewards rate
  • Intro APR period
  • Transfer partners

Cons

  • Spending caps on bonus rewards
  • Requires good/excellent credit

Our pick for

Travel rewards, hotel card (up to 12X points)

Read Review
Apply now

on American Express's website

The Hilton Honors American Express Business Card

5.0
NerdWallet rating 
Read Review
Apply now

on American Express's website

Annual fee

$95

Rewards rate

3x-12x

Earn Hilton Honors Bonus Points for each dollar of eligible purchases on your Card: 12X at hotels and resorts in the Hilton portfolio, 6X at US gas stations, on US purchases for shipping, on wireless telephone services purchased directly from US service providers, on flights booked directly with airlines or with Amex Travel, on car rentals booked directly from select car rental companies, and at US restaurants, 3X on all other eligible purchases. Terms & Limitations Apply.

Points

Intro offer

130,000

Limited Time Offer: Earn 130,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Card in the first 3 months of Card Membership. Plus, you can earn up to $130 in Statement Credits on eligible purchases made on the Card at any of the Hilton family hotels in the first 12 months of Membership. Offer expires 7/6/2022. Terms Apply.

Points

Recommended Credit Score
690-850good - excellent

Pros

  • High rewards rate
  • Automatic elite status
  • Luxury perks

Cons

  • Has annual fee
  • No free anniversary night

FULL LIST OF EDITORIAL PICKS: CREDIT CARDS FOR NONPROFITS

Click the card name to read our review. Before applying, confirm details on the issuer’s website.
Our pick for: Up to 5% cash back, no annual fee
If your business's spending matches the bonus categories on the
Ink Business Cash® Credit Card
, you can rack up some serious cash back. (If not, then look elsewhere.) There's an excellent sign-up bonus for a no-annual-fee cash-back card, plus an introductory APR period for purchases. Read our review. 
Our pick for: 2% cash back and free employee cards
The
Capital One Spark Cash Plus
is an excellent option for business operators whose expenses don't fall into the bonus categories on other business credit cards. You get a high, flat rewards rate on every purchase, with no limit to how much you can earn. Just make sure that you can pay off your spending in full each month, as this is a charge card that doesn't let you revolve a balance. Read our review.
Our pick for: Overall rewards (up to 3X per $1 spent)
The
Ink Business Preferred® Credit Card
starts you off with one of the biggest sign-up bonuses of any credit card anywhere (assuming you spend enough to earn it), then gives you bonus rewards in common business spending categories. Points are worth 25% more when redeemed for travel booked through Chase, or you can transfer them to about a dozen airline and hotel partners. Read our review.
Our pick for: Rewards with no annual fee + intro APR
The Blue Business® Plus Credit Card from American Express
is a near-twin to the
American Express Blue Business Cash™ Card
, with one key difference: Rather than cash back, it pays you in AmEx Membership Rewards points. Read our review.
Our pick for: Travel rewards, hotel card (up to 12X points)
Airport lounge access and a generous welcome offer make
The Hilton Honors American Express Business Card
an ideal card for conference hopping and other business travel. A tiered points structure makes it easy to earn rewards, whether you stay at a Hilton or not. Cardholders earn 12X points at hotels and resorts in the Hilton portfolio; 6X points on gas, shipping, dining and other travel expenses; and 3X points on all other purchases.
Our pick for: Business card designed for nonprofits
The Charity Charge Nonprofit Business card was built for nonprofit organizations that have been in operation for at least two years. Your organization saves money with no annual fee, plus cash-back rebates at participating vendors and group purchasing discounts. Nonprofit organizations have real-time control over employee cards and can pause or cancel access online.
Our pick for: Nonprofits with limited, bad credit 
The
Suncrest Bank Business Card
is an unsecured business credit card that may be available with bad credit. The card has no annual fee and
0% intro APR for the first 20 billing cycles, and then the ongoing APR of 11.99%-20.99% Variable
. This no-interest introductory period is among the longest for any business credit card, making it a strong choice for large purchases you’d like to repay over time. Read our review.
Last updated on May 20, 2022

To recap our selections...

5 Best Credit Cards for Nonprofits of June 2022

Methodology

NerdWallet's Credit Cards team selects the best credit cards for small business based on overall consumer value, as evidenced by star ratings, as well as their suitability for specific kinds of small-business operators. Factors in our evaluation include annual and other fees, rewards rates, the earning structure (for example, flat-rate rewards versus bonus categories), redemption options, bonus offers for new cardholders, introductory and ongoing APRs, and other noteworthy features such as special financing arrangements, free cards for employees or tools for managing business expenses.