The Best Business Credit Cards for Non-Profits

The Best Business Credit Cards for Non-Profits

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The biggest difference between a non-profit organization and a business is that eligible non-profits have tax-exempt status with the government. So if you’re looking for a credit card for your organization, a business credit card may be a better option than a consumer credit card.

Finding the right card for a non-profit can be tough, though, because it largely depends on where you spend your money and whether you have unique needs. As a result, you may need to spend some time doing some research and comparing various cards.

To help you get started, we’ve put together a list of our top five business credit cards for non-profit organizations and when they’re a good fit.

Best for new non-profits: The Blue Business℠ Plus Credit Card from American Express

If you’re just starting your organization, it may take a while before your fundraising efforts are rewarded. In the meantime, it may be good to have a credit card that provides an introductory 0% APR promotion.

With the The Blue Business℠ Plus Credit Card from American Express, you’ll get an intro APR of 0% on purchases for 12 months, after which the APR jumps to 15.49% - 21.49% Variable. That gives you more than a year to cover startup expenses and pay them off interest-free.

The card also offers a great flat-rate rewards program. 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.. Since you likely won’t have a lot of expenses while you’re still brand new, you can rest assured you’re getting a great rewards rate on every one.

As a startup organization, you’ll also want to avoid unnecessary expenses, which makes the card even more appealing because it doesn’t have an annual fee.

The Blue Business℠ Plus Credit Card from American Express
American Express is a Nav Partner
Terms, Rates & Fees

The Blue Business℠ Plus Credit Card from American Express

Get rewarded for business as usual. Earn 2X Membership Rewards® points on everyday business purchases Learn More

Best for non-profits with a large footprint: Ink Business Preferred℠ Credit Card

If your organization has a national or global footprint, travel expenses can take a huge chunk out of your bottom line. With the Ink Business Preferred℠ Credit Card, you’ll not only earn big rewards on travel expenses, but you can also use the points you earn to book future trips for free.

Earn 80,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.. Earn 3 points per $1 in select business categories. Categories include:

  • Travel
  • Shipping
  • Internet, cable, and phone services
  • Advertising on social media and search engines

You’ll also earn 1 point per dollar on everything else. When you’re ready to redeem your rewards, they’ll be worth 25% more if you use them to book travel through Chase — so 80,000 points would be worth $1,000.

You can also redeem your rewards for cash back or gift cards, or you can transfer them to one of Chase’s hotel or airline transfer partners.

The card also comes with no foreign transaction fees, primary rental car insurance, trip cancellation and interruption insurance, cell phone protection, and more. It does, however, have a $95 annual fee.

Ink Business Preferred℠ Credit Card

Earn 80,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. Learn More

Best for office expenses: SimplyCash® Plus Business Credit Card from American Express

If your organization is based out of an office, large or small, it may help to have a credit card that offers bonus rewards on some of your overhead expenses.

The SimplyCash® Plus Business Credit Card from American Express gives you 5% cash back on wireless telephone services purchased directly from U.S. service providers and U.S. office supply stores. 3% on the category of your choice from a list of eight and 1% cash back on other purchases. 5% and 3% apply to the first $50,000 in purchases per calendar year, then 1% thereafter. Cash back received is automatically credited to your statement. Rewards categories include:

  • Airfare purchased directly from airlines
  • Hotel rooms purchased directly from hotels
  • Car rentals purchased from select car rental companies
  • U.S. gas stations
  • U.S. restaurants
  • U.S. purchases for advertising in select media
  • U.S. purchases for shipping
  • U.S. computer hardware, software, and cloud computing purchases made directly from select providers

The card also has an annual fee of $0 and an intro APR of 0% on purchases for 15 months. After that, the APR is 14.49% - 21.49% Variable.

SimplyCash® Plus Business Credit Card from American Express
American Express is a Nav Partner
Terms, Rates & Fees

SimplyCash® Plus Business Credit Card from American Express

Special offer: save on interest with a 0% intro APR on purchases for 15 months; after that Learn More

Best for gas: Bank of America® Business Advantage Cash Rewards Mastercard® credit card

If you spend a lot of time in your car for your non-profit, either to further fundraising efforts or as part of your program, the Bank of America® Business Advantage Cash Rewards Mastercard® credit card is worth considering.

The card offers 3% cash back on the category of your choice (for the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter), 2% cash back on dining, and 1% cash back on all other purchases..

If you’re enrolled in the Business Advantage Relationship Rewards program, you can qualify for 25%, 50%, or 75% more rewards on every purchase you make.

New cardholders will get a $300 statement credit when you make at least $3,000 in net purchases within 90 days of your account opening. They’ll also enjoy an intro APR of 0% for 9 billing cycles on purchases. The card has no annual fee.

Bank of America® Business Advantage Cash Rewards Mastercard® credit card

Get a $300 statement credit when you make at least $3,000 in net purchases within 90 days of Learn More

Best for flat-rate cash back: Ink Business Unlimited℠ Credit Card

If you think running a non-profit is complicated enough and you don’t want to have to deal with a credit card with varying rewards rate, the Ink Business Unlimited℠ Credit Card should be on your shortlist.

Earn unlimited 1.5% cash back on every purchase.. With no cap on rewards, this can be especially lucrative if used correctly.

Earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening. There’s also a 0% Intro APR on Purchases for 12 months15.49% - 21.49% Variable after that.

The card doesn’t have any other significant benefits, but won’t charge you an annual fee.

Ink Business Unlimited℠ Credit Card

Earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account Learn More

Which card should you choose?

As with any type of business, it’s important to choose the business credit card that will give you the most value. If you need an introductory 0% APR promotion, for instance, the interest savings could be more valuable than any rewards you might earn on the card in the first year or two.

And if you spend a lot in one area, finding a card that offers bonus rewards in that category may be your best bet. Whatever you do, avoid the urge to go with the first offer you see. Take time to shop around and compare several top business credit cards before choosing one.

Also, keep in mind that many business credit cards require that you have good or excellent personal credit to get approved. If you’re not there yet, consider looking into credit cards for fair or bad credit, at least until you can improve your credit score and qualify for a better product.

Ready to see your credit data and start building better business credit? Check Your Personal and Business Credit For Free (No Credit Card Required).

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