Best Credit Cards For Nonprofits Of 2025

The Ink Business Preferred® Credit Card is our pick for the strongest welcome bonus if your nonprofit can meet the initial spending requirements. The Chase Ultimate Rewards® this card earns can be redeemed for cash, travel or transferred to Chase travel partners, giving you greater flexibility.

Why We Like It

After the initial bonus, the card continues to earn rewards at a bonus rate on common business expenses like travel, shipping, telecommunications services and online advertising.

There’s an annual fee, but it’s relatively modest. This card also has significant travel protection, including primary rental car coverage, a useful benefit if your nonprofit requires you to be on the road frequently.

What We Don’t Like

Not all nonprofits will spend enough on the card to earn the welcome bonus, which requires a relatively high amount of spending. While some of the bonus categories could be good for certain nonprofits, they are limited. Many organizations with low travel will benefit from another card.

Who It’s Best For

Nonprofits looking for a card that can earn flexible rewards with free employee cards will find a lot of value here without a big annual fee.

The Ink Business Cash® Credit Card offers nonprofits a generous welcome bonus plus bonus cash back in top expense categories. Like the Ink Business Unlimited® Credit Card and Ink Business Preferred® Credit Card, it offers strong travel protections, including primary rental car insurance.

Why We Like It

This card combines the best of many different cards into one. You won’t pay an annual fee, there’s an introductory APR offer on purchases and the rewards rate is among the highest on the market today. Combine this with the Ink Business Preferred® Credit Card to take advantage of the airline and hotel transfer partners and you’ve got an indispensable partner for your nonprofit.

What We Don’t Like

The bonus categories have an annual cap that large nonprofits may risk exceeding. If you spend more than the limit, your rewards drop to 1% cash back. Also, if you don’t have a Chase card that has transfer partners, you’ll only be able to use your Ultimate Rewards® for cash back.

Who It’s Best For

The Ink Business Cash® Credit Card is best for nonprofits that have high spending in the bonus categories but won’t exceed the cap.

For nonprofits seeking to dial in their rewards potential, the American Express® Business Gold Card (Terms apply, see rates & fees) offers flexibility to earn rewards without anticipating your expenses. Earn elevated rewards on your top two eligible categories each month from a list of six common expenses.

Why We Like It

The American Express® Business Gold Card offers a few additional perks including no preset spending limit*.

You may also appreciate monthly statement credits for eligible U.S. purchases at office supply stores, Grubhub, and FedEx (enrollment required). It also offers a credit to cover the cost of a monthly Walmart+ membership (up to $12.95 per month. Subject to auto-renewal), a service that entitles you to free delivery and savings on fuel.

What We Don’t Like

Unless your nonprofit is able to maximize these benefits, it’s difficult to justify the high annual fee. A cash-back card that earns points more evenly across categories will better serve nonprofits that don’t have a high concentration of spending in a couple of categories.

Who It’s Best For

For nonprofits that already spend in line with the bonus requirement and whose highest expenses are focused in qualified categories, the American Express® Business Gold Card may make sense. For others, the annual fee could be a true deterrent.

The U.S. Bank Triple Cash Rewards Visa® Business Card* earns extra cash-back rewards on spending at restaurants, gas and EV charging stations, mobile phone service providers, and office supply stores. There’s a category-leading welcome bonus at the outset, no annual fee, and some ancillary perks suited to nonprofits.

Why We Like It

The card comes with one of the heftiest cash-back welcome bonuses on this list, though it has a considerable spending requirement to match. Many cards provide extra cash back in one or two categories, but the four categories offered by the Triple Cash Rewards Visa could total up to a larger percentage of your nonprofit’s overall spending. There’s no annual fee for keeping the card.

As an added bonus, the card provides $100 in annual statement credits for subscription-based software services like Quickbooks to further offset your costs.

What We Don’t Like

If your nonprofit spends outside the bonus categories, the card only earns 1% cash back on these purchases. Consider whether you would be better served by a flat rate card that earns on all your spending equally.

The card charges a foreign transaction fee of 3% of each foreign transaction, so it may not be best if your nonprofit makes regular overseas payments.

Who It’s Best For

The Triple Cash Rewards is best for nonprofits that can meet the significant spending requirement to earn the welcome bonus and expect to continue spending in the bonus categories after the first few months.

The American Express Blue Business Cash™ Card (Terms apply, see rates & fees) is great for small nonprofits that want straightforward cash rewards on up to $50,000 of spending per year. As a nice incentive, there’s a welcome bonus when you meet the initial spending requirements.

Why We Like It

The card offers a straight 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement with no annual fee. You can also get cards for your employees for no additional charge, allowing you to track their spending and earn cash back at the same time.

What We Don’t Like

If you spend more than $50,000 on the card each year, the cash-back rate drops to 1%. If your nonprofit anticipates spending more than that threshold consistently, we suggest looking for a card with a higher bonus rewards cap (or none at all). If you’re interested in earning points redeemable for travel, check out this card’s sibling, The Blue Business® Plus Credit Card from American Express.

Who It’s Best For

Nonprofit managers who are looking for an uncomplicated way to earn up to $1,000 or more in cash back each year are going to be well served by The American Express Blue Business Cash™ Card.

The Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card may be a wise choice for Bank of America customers. If your nonprofit also has a business checking account with Bank of America, you may be eligible to boost your earnings through the Preferred Rewards program.

Why We Like It

This card allows you to select one category that will earn 3% cash back from a predetermined list of common business expenses. Plus, cardholders earn 2% cash back on dining (bonus categories have a combined annual spending cap of $50,000, 1% thereafter). The Preferred Rewards program will increase your rewards if you have a Bank of America business checking account and maintain an average balance of at least $20,000. Depending on which tier you qualify for, Preferred Rewards could raise your earnings rate by 25% to 75%. So instead of 3% cash back, you would earn 3.75% to 5.25% cash back.

What We Don’t Like

To maximize the rewards on this card, you need a Bank of America checking account. Besides the select elevated categories, the rewards potential is low for other purchases.

Who It’s Best For

The Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card is best if your nonprofit has significant assets at Bank of America, as you can increase any cash back earned by up to 75%.

The Blue Business® Plus Credit Card from American Express (Terms apply, see rates & fees) offers a strong rewards rate on all your nonprofit’s spending, though the elevated base rate is limited to the first $50,000 in card spending each year.

Why We Like It

The card earns Membership Rewards® Points, which offer a great deal of flexibility in redemption options. The Blue Business® Plus Credit Card from American Express charges a foreign transaction fee of 2.7% of each transaction after conversion to US dollars. If you’re willing to learn a bit about the most valuable redemptions, this card is likely a better choice than its sibling, The American Express Blue Business Cash™ Card.

What We Don’t Like

Once you hit the $50,000 limit on this card, you’ll only earn 1 point per dollar. At that point, it would make sense to switch to a different card that earns better rewards. This limit might be easy to hit quickly, especially if you’ve got employee cards associated with the account.

Who It’s Best For

The Blue Business® Plus Credit Card from American Express is best for nonprofits that will spend less than $4,200 on average per month in card charges.

The Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card is a great all-around card. It offers a straightforward rewards program that provides a flat rate of return on your spending. There’s a nice welcome bonus to get you started and no annual fee to keep using the card. If you move your banking relationship to Bank of America, the Preferred Rewards program has the potential to elevate this card above any other on this list.

Why We Like It

The Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card does right what it says in the name – offers unlimited cash back on your organization’s spending at a flat rate.

This card is especially powerful if your nonprofit can move significant assets to Bank of America. If you have a total of $100,000 in accounts with Bank of America or Merrill investments, your nonprofit would be eligible for the highest tier of rewards, earning 2.62% cash back on your spending. An unlimited reward rate this strong on all spending would top every other card on the list.

There is also a secured version of the card if you have a lower credit score.

What We Don’t Like

Like many of the cards on the list, it will require a personal guarantee from a responsible officer of the nonprofit. This is a common requirement, especially for smaller nonprofits.

Who It’s Best For

Flat-rate cash back is straightforward and directly offsets your nonprofit’s expenses with minimal hassle. Cash-back cards are often a good fit for nonprofits, especially if your nonprofit does not spend significantly on travel. If your nonprofit can move investments (e.g. endowment funds) or cash to Bank of America, the rewards potential is even more impressive.

The Ramp Business Card is aimed at businesses seeking automated integration with their accounting platforms, saving time and money. It’s also our pick for nonprofits that want to bypass providing a personal guarantee for a credit card, as Ramp does not have this requirement.

Why We Like It

Though Ramp does not publish specific requirements, your nonprofit will likely need to have significant assets or income in order to qualify for the card. But if you can qualify, this earns a very competitive and simple cash-back rate, without the need for a personal guarantee as security for the debt.

The Ramp Business Card also provides a solid cash-back rate on all your spending. You may be able to further benefit from Ramp’s suite of automation tools.

What We Don’t Like

Ramp seems to be geared towards businesses that have a complex structure of employees, but it’s not specifically designed for nonprofits. If you’re not an advanced user and are just looking for some easy cash back or travel rewards, the extra perks offered by this card might not be of any value.

Who It’s Best For

Beyond the credit cards, Ramp’s services include AI-powered expense software that makes it easy to manage your nonprofit’s books. If you have a large team of people who spend money while traveling and conducting business, the Ramp Business Card could integrate perfectly with an overall Ramp plan.