The Nonprofit Credit Card

Benefiting thousands of nonprofits across the country.

We Power Credit Cards for Nonprofits

Charity Charge is a social enterprise dedicated to serving nonprofits, schools, and associations. We work with organizations across the country with various missions and budgets, from local churches and animal shelters to national networks like United Way, Junior League, and YMCA. Through our nonprofit credit card and other programs, we aim to build a stronger, more financially sound nonprofit community.

As Seen On…

The Charity Charge Nonprofit Credit Card

Unique Benefits Designed for Nonprofits 

Finally – a credit card designed exclusively for nonprofits with no fees and key protections for
peace of mind. Our program is designed to support nonprofit best practices such as separating
organizational and personal funds.

Credit History for Nonprofits

Your organization may build or establish business credit history with responsible use as account activity is reported to major business credit bureaus.

Exclusive to the Nonprofit Community

Charity Charge was founded to serve nonprofits so our program was built to protect your valuable resources and keep you focused on your mission.

Unlimited Cards, Adjustable Limits

Order cards for the whole team with no per-card fees and adjust card limits in real time to keep spending on track.

Convenient Account Transitions

Get live support after board elections or staff changes when you need to update authorized personnel on your account.


Our two-part rewards program gives cardholders access to rebates and discounts with over 50,000 nationwide vendors so you can access savings on everyday products and services.

Mastercard® Easy Savings

Earn automatic rebates to your statement when you use your Charity Charge card on travel, fuel, business services and more at participating vendors — no codes or redemption necessary.


Discover 10-20% discounts on office supplies, shipping, transportation, medical supplies, and much more when CHAMPS Group Purchasing manages pricing with your preferred vendors – no enrollment fees and no purchasing minimums.

More Benefits

Online Tools and Account Management

Quickbooks Online Integration

Have transactions synced directly from your account to Quickbooks Online to save time and eliminate manual entry errors.

Real-time Card Controls

Pause or cancel cards and adjust card limits online or by phone.

User Management

Give your team online access with multiple administrator logins and customize access for outside accountants and bookkeepers.

Transaction Management with Robust Reporting Tools

View transactions online in real time and export transaction data for your expense management, bookkeeping, and other financial platforms.

Protections and Coverages

These benefits combat risk so your organization can focus on what matters.

Mastercard® Zero Liability & ID Theft Protection

Reduce liability for your team with Mastercard® Zero Liability and ID Theft Protection coverages. Have peace of mind knowing that Commerce Bank won’t hold you responsible for unauthorized transactions. As a Mastercard® cardholder, Zero Liability applies to your purchases made in the store, over the telephone, online, or via a mobile device and ATM transactions.

MasterRental Rental Car Coverage

Get coverage for physical damage and theft to a rental vehicle when the entire transaction is put on your Charity Charge Mastercard® and rental company insurance is declined.

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Learn more about the Nonprofit Credit Card.

When you click Get Started, you will be directed to a form collecting general information such as your organization’s Legal Business Name and EIN. We use the information you submit to prepare an application for signature in DocuSign. Before your application packet can be submitted to Commerce Bank (the card issuer) for underwriting, you will also need to provide financial documents via upload or email. Financial documents must cover 2 consecutive fiscal years and can be a combination of 990s, Audits, and Income Statement and Balance Sheet (pairs). If you are unable to complete the Get Started form or do not have the financial documents on hand, you can still submit the form and our team will reach out to collect any missing information.

To qualify, organizations must have an active 501(c) nonprofit status and either: (a) 5 years in operation and $100,000 in annual revenue; or (b) 2 years in operation and $500,000 in annual revenue.

Please submit your information via the Get Started button and our team will notify you if your organization is not eligible. If you are not eligible for the Nonprofit Business Card, you may be qualified for our Secured Credit Card product, which allows groups outside of the standard criteria to obtain a secured line of credit by providing a security deposit. The credit line for a secured credit card matches the amount deposited for the security deposit. For example, if you need a credit card with a $5,000 limit, you will be required to open a Business Savings Account and deposit $5,000 as a security deposit.

When you submit your information via the Get Started button and again when you sign the application through DocuSign, you can request a specific credit limit for the overall account and for each individual card. Commerce Bank will consider your request during underwriting which includes a review of the financial documents you provide.

Charity Charge developed the Nonprofit Credit Card in collaboration with Commerce Bank and Mastercard® and these companies pay us to grow the program so it can remain free to nonprofits