7 Best Credit Cards for Nonprofits Organizations

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As a nonprofit, it’s super important to figure out how to save money and make your budget go a long way.

One of the best solutions is to choose a credit card that gives your organization favorable terms and rewards.

We did some digging and checked out different credit cards with low-interest rates, no annual fees, and awesome rewards programs to help you find the right card for your nonprofit.

Have a look!

1. The Blue Business® Plus Credit Card from American Express

Best for Rewards with No Annual Fee

2x Points on Everyday Spending
The Blue Business® Plus Credit Card from American Express
  • bonus_miles_full
  • Potential Higher Bonus via Special Offer.
  • 2 Points Per Dollar on the First $50,000 in Purchases Each Calendar Year (1x Points thereafter)
  • 0.0% Intro APR on purchases for the first 12 months. After that, reg_apr,reg_apr_type APR. APRs will not exceed 29.99%
  • No Annual Fee (rates & fees)
Learn More Our Review
American Express is a Deals Points Advertiser; Terms Apply

The Blue Business® Plus Credit Card from American Express (review) is one of my favorite cards because it has no annual fee and earns 2x Membership Rewards points on the first $50,000 in purchases every year. After that, you will earn 1 point on all other eligible purchases.

You can transfer Membership Rewards to 18 airlines and three hotel points programs, with several great sweet spots to travel in business class to anywhere in the world.

I put all of my everyday business spending on my Blue Business Plus because it is a quick way to rack up points for my next trip.

2. The American Express Blue Business Cash™ Card

Best for Cash Back

No Annual Fee
The American Express Blue Business Cash™ Card
  • bonus_miles_full
  • Potential Higher Bonus via Referral.
  • 2% Cash Back On Up to $50,000 Per Year (1% Thereafter)
  • 0% Intro APR on Purchases for 12 Months. After that, reg_apr,reg_apr_type. APRs will not exceed 29.99%.
  • No Annual Fee (rates & fees)
Learn More Our Review
American Express is a Deals Points Advertiser; Terms Apply

The American Express Blue Business Cash™ Card (review) offers simple, straightforward rewards for no annual cost. 

This zero-annual-fee card earns a flat 2% cashback rate on all qualifying purchases up to $50,000 each year (1% thereafter).

The Blue Business Cash also offers expanded buying power, giving your business the flexibility to spend above your credit limit for your business expenses. 

3. Ink Business Unlimited® Credit Card

Best for Simplicity

Ink Business Unlimited® Credit Card
  • bonus_miles_full
  • Unlimited 1.5% Cash Back on Every Purchase
  • Primary Rental Car Insurance
  • Purchase Protection and Extended Warranty
  • No Annual Fee

Click Here to Learn How to Apply

The Ink Business Unlimited® Credit Card (review) is a valuable no-annual fee option for entrepreneurs and small business owners looking for simplicity and value.

This card offers a straightforward rewards structure, with 1.5% cash back on all purchases, making it easy for you to keep track of your rewards.

It also pairs well with the Chase Sapphire Preferred® Card (review) or Chase Sapphire Reserve® (review), which unlocks the ability to convert the Ink Business Unlimited cash back to airline or hotel points from any of Chase’s transfer partners.

This combo allows you to effectively earn 1.5 airline miles per dollar with this card, which is worth more than 1.5% cash back.

4. Capital One Spark Miles for Business

Best for Earning Travel Rewards

2x Miles on All Purchases
Capital One Spark Miles for Business
  • bonus_miles_full
  • Unlimited 5X miles on hotels and rental cars booked through Capital One Travel
  • 2x Miles On Every Purchase
  • Global Entry or TSA PreCheck Credit
  • No Foreign Transaction Fees
  • $0 Intro Annual Fee for the First Year, $95 Thereafter
  • Free employee cards which also earn unlimited 2X miles from their purchases
Learn More Our Review

The Capital One Spark Miles for Business is one of the top travel rewards credit cards for small business owners.

The card earns unlimited 5X miles on hotels and rental cars booked through Capital One Travel. It also earns unlimited 2 miles per dollar on all purchases, which can be transferred to Capital One’s airline and hotel partners.

The Spark Miles also offers a statement credit for your Global Entry or TSA PreCheck application (up to $100) and no foreign transaction fees.

5. Ink Business Preferred® Credit Card

Best for Utilities

Ink Business Preferred® Credit Card
  • bonus_miles_full
  • 3X Points on Travel, Shipping, Advertising (Social Media and Search Engines), Internet, Cable, and Phone on the First $150,000 Each Account Year
  • 25% Additional Points Value in Travel Redemption
  • Primary Rental Car Insurance
  • Trip Cancellation/Interruption Insurance
  • Cell Phone Protection
  • Purchase Protection and Extended Warranty
  • No Foreign Transaction Fees
  • $95 Annual Fee

Click Here to Learn How to Apply

The Ink Business Preferred® Credit Card (review)   is an excellent choice for business owners looking for a card that offers valuable rewards and benefits.

With this card, you’ll earn:

  • 3 points per $1 spent on travel, shipping purchases, internet, cable, phone services, and advertising purchases made with social media sites and search engines (up to $150,000 in combined purchases per account anniversary year).
  • 1 point per $1 spent on all other purchases, with no limit on the number of points you can earn.

Beyond the rewards, the Ink Business Preferred provides valuable benefits, including:

  • Primary rental car insurance (when renting for business purposes).
  • Cell phone protection (up to $600 per claim against theft or damage, with a maximum of three claims per year and a $100 deductible per claim).
  • Purchase and extended warranty protection.

6. Ink Business Cash® Credit Card

Best for Office Supply Stores

Ink Business Cash® Credit Card
  • bonus_miles_full
  • 5% Cash Back at Office Supply Stores, Internet, Cable, and Phone Services up to $25,000 Each Account Year
  • 2% Cash Back at Gas Stations and Restaurants Up to $25,000 Each Account Year
  • Primary Rental Car Insurance
  • Purchase Protection and Extended Warranty
  • No Annual Fee

Click Here to Learn How to Apply

The Ink Business Cash® Credit Card (review) is a no annual fee card offering:

  • 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.
  • 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year.
  • 1% cash back on all other purchases.

The card also offers nice benefits such as primary rental car insurance (when renting for business purposes), 120-day purchase protection, and extended warranty protection.

7. U.S. Bank Business Triple Cash Rewards World Elite™ Mastercard®

Best for Gas and Restaurants

U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
  • Earn $500 Cash Back After Spending $4,500 in the First 150 Days on the Account Owner’s Card
  • 5% Cash Back on Prepaid Hotels and Car Rentals via the U.S. Bank Travel Rewards Center
  • 3% Cash Back at Gas and EV Charging Stations, Office Supply Stores, Cell Phone Service, and Restaurants
  • 1% Cash Back on All Other Purchases.
  • $100 Annual Software Credit for Recurring Subscription
  • No Annual Fee
Learn More

The no-annual-fee U.S. Bank Triple Cash Rewards World Elite Mastercard® earns 3% cash back on eligible purchases at gas stations and EV charging stations, office supply stores, cell phone service providers, and restaurants.

For rates and fees of the American Express Blue Business Cash™ Card, please click here.

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