Best Non-Profit Organization Manager Credit Cards 2025
Karl says: “Nonprofits need credit cards that effectively manage spending while providing valuable rewards. The Ink Business Cash® Credit Card offers 5% cash back on office supplies and services, with no annual fee and a 0% APR for 12 months. The Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® provides unlimited 1.5% cash back on all purchases, potentially increasing to 2.62% for qualified organizations. The Blue Business® Plus Credit Card from American Express earns 2X points on the first $50,000 spent per year. Finally, the BILL Divvy Corporate Card features budgeting tools and doesn’t require a personal credit score for approval.”
Search by categories
Key offer
The Ink Business Cash® Credit Card is our top pick for nonprofits to have for managing their spending because it gives you:
• 5% cash back on the first $25,000 you spend each year at office supply stores and on internet, cable, and phone services — which is perfect if your nonprofit has regular overhead in those areas.
Read more
• No annual fee, and you also get 0% APR on purchases for 12 months, which can be a big help when you’re covering expenses while waiting on grant money or donations to come in.
Welcome offer
Earn $350 in the form of 35,000 points when you spend $3,000 on purchases in the first 3 months, and an additional $400 in the form of 40,000 points when you spend another $3,000 on purchases in the first 6 months after account opening.
Annual fee
$0
The Ink Business Unlimited® Credit Card is a versatile business credit card that offers unlimited cash back on all purchases. This card is a great choice for businesses that want a simple and straightforward rewards structure without any spending categories to track. With its unlimited cash back feature, the card allows businesses to earn rewards on every business expense, helping to maximize savings and improve cash flow. Additionally, the card offers valuable business benefits such as employee cards, expense management tools, and fraud protection, making it an ideal choice for businesses looking for convenience and security. The Chase Ink Business Unlimited card is a smart option for businesses seeking a hassle-free rewards program and essential business features.
Card Rewards
• Earn 5% cash back on the first $25,000 spent each year at office supply stores and internet, cable, and phone services
• Earn 2% cash back on the first $25,000 spent at gas stations and restaurants
• Earn 1% cash back on all other purchases
Premium Benefits
• 0% intro APR on purchases for the first 12 months, which helps if you need time to pay off expenses.
• Free employee cards with spending limits, helping you manage team purchases and earn more rewards
• Purchase protection covers new items for up to 120 days against damage or theft, up to $10,000 per claim
• Extended warranty adds one extra year to eligible U.S. manufacturer warranties of three years or less
Read more
• Primary auto rental collision damage waiver when renting for business and paying with the card
• Travel and emergency assistance gives access to legal or medical help when traveling
• Roadside dispatch offers pay-per-use emergency services like towing, tire change, or jump-starts
Minimum Qualifications
• A personal credit score of 700 or higher is generally needed for approval
• You can apply again for this card under a different business, even though you have it already
• You can get the card again under the same business if enough time has passed — usually 24 months, but many are approved again after just 12 months
• Chase follows the 5/24 rule, meaning they may deny you if you’ve opened 5 or more personal credit cards from any issuer in the past 24 months
Key offer
The BILL Divvy Corporate Card is a great fit for nonprofits where the owners may not have strong personal credit, and need real-time control over how funds are spent and tracked because it gives you:
Read more
• Built-in budgeting and expense tools, so you can issue virtual or physical cards with preset limits for each department, project, or volunteer — making expense management simple and organized.
• No annual fee, plus access to flexible credit lines and an all-in-one platform that helps you manage budgets and generate clean, board-ready reports.
• One of the biggest benefits is that approval doesn’t depend on your personal credit score — Divvy looks at your nonprofit’s financial health instead, so having strong bank balances can help you get approved.
Welcome offer
• Earn $500 after spending $500 within the first 45 days.
Annual fee
$0
Best for Program Management
Card Rewards
• Rewards vary based on how often you pay your bill:
• Generally it’s: 7X on restaurants, 5X on hotels, 2X on software, and 1.5X on everything else with weekly payments
Premium Benefits
• No annual fee, so your nonprofit can avoid added overhead costs
• Access to flexible credit lines between $1,000 and $5 million, based on financials
• Built-in budgeting tools let you set limits by department, project, or person, making it easier to manage spending
Read more
• Real-time spend tracking lets you see charges as they happen, helping with transparency and oversight
• Virtual and physical cards can be issued to staff or volunteers, with custom controls for each card
• Rewards program lets you earn points on every purchase, with higher rewards if you choose weekly payments
• Integrates directly with accounting tools like QuickBooks, NetSuite, and Xero for easier bookkeeping
• Automated expense reports save time and reduce errors by tracking and organizing spending automatically
• Helps build your organization’s credit profile by reporting to the Small Business Financial Exchange (SBFE)
• Tap-to-pay contactless payment support makes purchases faster and more secure
• Strong fraud controls, including customizable spend limits and instant alerts for suspicious activity
• Dedicated support team that understands the needs of nonprofits
Minimum Qualifications
• No personal credit score needed — approval is based on business financials
• You must have an EIN and a legally registered business
• You’ll likely need to connect a business bank account showing at least $20,000 in funds
• No personal guarantee required
Runner-Up:
Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card
Key offer
The Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® is one of the best picks for nonprofits who want simple cash back without tracking categories because it gives you:
Read more
• Unlimited 1.5% cash back on every purchase — super simple and steady rewards that work no matter what your nonprofit is spending on.
• If your organization qualifies for Bank of America’s Preferred Rewards for Business (requires $100K+ average balance), that 1.5% can jump to as much as 2.62%, which is huge rewards for nonprofits with strong banking relationships.
• 0% Introductory APR for the first 9 billing cycles following the opening of your account.
Welcome offer
• Earn a $300 statement credit after spending $3,000 within the first 90 days.
Annual fee
$0
Card Rewards
• Earn unlimited 1.5% cash back on all purchases, with no categories to track.
• If you’re in the Preferred Rewards for Business program and maintain at least $100K in combined balances, that rate increases to 2.62%, as long as you have an eligible Bank of America business checking account.
Premium Benefits
• Travel accident insurance up to $100,000 when you use the card to book travel
• Auto rental insurance covers damage or theft of eligible rental vehicles when paid with the card
• Emergency travel assistance helps with ticket replacement, lost luggage, and referrals for legal or medical help
• Cash flow tools help you manage expenses, track activity, and stay on top of business spending through online and mobile banking
Minimum Qualifications
• A personal credit score of around 740 or higher is generally needed
• You’ll need to be a business owner and may need to verify income or business financials
Key offer
The Blue Business® Plus Credit Card from American Express is a strong choice for nonprofits that want to earn flexible travel points while keeping things simple because it offers:
Read more
• 2X Membership Rewards® points on the first $50,000 in purchases per year, then 1X after that — no categories to track, so it’s great for nonprofits with a mix of expenses.
• 0% APR on purchases for the first 12 months, plus no annual fee, which gives nonprofits a buffer for larger expenses while waiting on funding or reimbursements.
Welcome offer
• Earn 15,000 Membership Rewards® points after spending $3,000 in the first 3 months.
Annual fee
$0
Disclosure: The Cards Guy partners with credit card issuers to provide information on their products. We may earn commissions from these issuers. The content on this page is independent and has not been provided, reviewed, approved, or endorsed by the companies mentioned. The opinions expressed are solely those of the author. American Express is a The Cards Guy advertiser.
Card Rewards
• 2X points per dollar on everyday eligible business purchases up to $50k per calendar year.
• 1X per dollar points on all other eligible purchases after the first $50k spent on your Blue Business Plus Card.
Premium Benefits
• Expanded buying power lets you spend above your credit limit, and the extra limit adjusts based on your usage and payment history
• Purchase protection covers eligible items against accidental damage or theft
• Extended warranty gives up to one extra year on manufacturer warranties for eligible purchases
• Car rental insurance offers secondary coverage if your rental car is stolen or damaged when paid with the card
Read more
• Amex Offers gives access to exclusive discounts and deals at select merchants
• QuickBooks integration helps you sync transactions and keep your expenses organized
• Vendor Pay through Bill.com allows you to pay vendors directly and manage bills more efficiently
• 0% APR on purchases for the first 12 months, plus no annual fee, which gives nonprofits a buffer for larger expenses while waiting on funding or reimbursements.
Minimum Qualifications
• A personal credit score of 700 or higher is generally needed for approval.
• You must be a business owner, sole proprietor, or partner; Amex may ask for estimated revenue and business type.
• You may be asked to show enough income (personal or business) to cover monthly payments.
• Additional documents like bank statements or tax returns may help support your application.
• A credit pull is unlikely if you already have an Amex card in good standing.
Pro Tips
Leverage Rewards for Funding
Use the cash back and rewards earned from your credit card for funding projects or covering operational expenses. This can help maximize your budget.
Look for Partnerships
Some credit cards offer partnerships with organizations that provide additional discounts or rewards. Check for any affiliations that could benefit your nonprofit.
Consider Funding Cycles
Choose cards with 0% APR introductory offers to help manage cash flow during periods when funding or donations are slow.