About Charity Charge
What is Charity Charge?
Charity Charge is a Public Benefit Corporation based in Austin, Texas. In 2016, we created the Charity Charge World Mastercard that empowers individual cardholders to earn 1% Cash Back on every purchase as an automatic donation to the nonprofit(s) of their choice.
Through our partnerships with GuideStar and Global Impact, cardholders can choose any 501(c)(3) organization, K-12 school, or religious organization to support with their Cash Back donations.
Since our inception, we launched the first of its kind business credit card designed for nonprofits with no annual fee, no personal guarantee, automatic cash back, and advanced online account management.
We also offer a business card to for-profit companies to support their favorite nonprofit with their automatic cash back donations.
We work with organizations nationally as large as $100 million in revenue including chapters from United Way, Junior League and YMCA and we are a proud member of 1% for the Planet.
To read more about us, visit our About Us page.
Are you a for-profit business?
Yes, we are a for-profit Public Benefit Corporation. As a Public Benefit Corporation, we prioritize our mission to serve the nonprofit community while generating profits in accordance with our legally defined goals. We strive to make the world a better place, one swipe of the Charity Charge World Mastercard at a time.
How do you make money?
We make money the same way any other co-branded credit card programs do. When new customers sign up, our banking partner pays us a one time fee for bringing them a new customer. We also generate a small amount of revenue on each purchase cardholders make. However, with these profits, unlike other programs, we cover the processing fees for your donations so that the full 1% of Cash Back you earn goes to the nonprofits you’re supporting.
What is a co-brand card program?
A co-brand program brings together a card processor (Mastercard), an issuing bank (Commerce Bank), and a partner company (Charity Charge) to create a card program that is marketed to each partner’s customer base. This type of program adds value to cardholders that wouldn’t be possible without the partner company.
What bank and network are you partnered with?
We are partnered with Commerce Bank and Mastercard.
Will you expand to other countries?
Hopefully one day! Currently, we are focused on growing our programs in the U.S.
This is a great idea! Has it really never been done before?
Most charitable credit cards to date have been co-branded directly with a single, very large nonprofit. Although these programs successfully generate funds for the nonprofit, they are expensive to implement and are out of reach for most organizations. We wanted to broaden this field of opportunity so that anyone can support their favorite nonprofit and any nonprofit can gain a reliable fundraising source.
We are proud to put the cardholder in control of which charity and how many charities they give to each month. This way, each cardholder gets to see the impact they have on the causes closest to their hearts just by making everyday purchases.
Who should I contact if I have further questions?
You can send general questions to info@charitycharge.com.
Who should I contact for press inquiries?
Please send press inquiries to press@charitycharge.com.
Our Partners
Mastercard
Mastercard is an international credit card processing company and our exclusive processing partner.
Commerce Bank
Commerce Bank is a top 20 credit card issuer in the United States. They are headquartered in Kansas City, MO and have a large regional presence in the midwest. They are a national bank that provides card services for many national brands, businesses, and banks.
Founded over 150 years ago, our bank partner is a Top 10 issuer of commercial credit cards in the United States.
You can learn more about Commerce Bank on their website.
GuideStar
In GuideStar’s own words:
“GuideStar gathers, organizes, and distributes information about U.S nonprofits. We obtain data from public sources, other organizations that promote philanthropy, and the nonprofits themselves. We then aggregate it into GuideStar Nonprofit Profiles, one profile for each organization in our database. Every nonprofit on our site is invited to update its profile.
Our mission is to revolutionize philanthropy by providing information that advances transparency, enables users to make better decisions, and encourages charitable giving.”
The GuideStar database is based on IRS records, and is therefore very accurate. If the organization you are looking for has recently received their tax-exempt status, they may not appear in the GuideStar database for a few months.
Global Impact
Global Impact is our donation processing partner. We underwrite the donation processing fees so that Global Impact can distribute our cardholders’ donations each quarter at no cost to the recipient organizations.
In their own words, “Global Impact is a trusted advisor, intermediary and implementing partner across the private, nonprofit and public sectors. Through these partnerships, we have raised nearly $2 billion for causes such as disaster relief and global development. Our expertise includes fundraising and partnerships, employee engagement and corporate social responsibility (CSR), and finance and business services.”
Nonprofit Business Card
Application Process & Program Details
What is the Charity Charge Nonprofit Business Card?
The Charity Charge Nonprofit Business Card is the first of it’s kind business credit card designed specifically for nonprofits. Our card program features no annual fee, no personal guarantees, and no personal credit checks.
For more information on this card’s benefits and features, visit our Nonprofit Credit Card Details page.
Is my nonprofit qualified to apply for this card?
Nonprofit organizations must have 2 years in operation and be based in the U.S. to qualify for this program. Organizations who file a 990-N or 990 Postcard may not be eligible to apply based on their annual revenue.
Most tax-exempt organizations in good standing with the IRS and Secretary of State are qualified to apply for this card including (but not limited to) 501(c)(3), 501(c)(4), 501(c)(5), and 501(c)(6) entities.
For questions regarding your eligibility, please contact our Nonprofit Educator, Kevin Price, at kevin@charitycharge.com or (512) 759-8575.
What if my organization is less than 2 years old?
Many newly incorporated nonprofits choose to use our individual card before they are eligible for the nonprofit business card since they can still earn 1% Cash Back to their organization on all purchases.
There is no cost or setup required for you to start using Charity Charge as we partner directly with GuideStar to pre-load nonprofits into our system. See below for more details on our individual card program.
Does this credit card require a personal guarantee?
The Charity Charge Nonprofit Business Card is underwritten directly to the organization based on recent financial health.
Applying does not require a personal guarantee and therefore does not include any personal credit checks. Our mission is to improve the financial stability of nonprofits and reduce personal liability for their employees so no employees’ credit scores are impacted by your account.
How will our credit limit be decided?
Commerce Bank can use a range of financial documents to determine your organization’s creditworthiness including 990s, audits, or income statements and balance sheets.
You can request a specific credit limit on the application and we typically recommend that you request a limit based on your average expenses. For example, if you spend approximately $10,000 a month, a $15,000 limit would provide some flexibility during months when your expenses are above average.
How many cards can we order for our team?
Nonprofits can order as many employee cards as they need at no charge.
Cards can be distributed to staff, volunteers, or administrators as needed. Signatory permissions will be limited to the 1-2 signers on the application for security purposes.
Employee cards can be ordered on your original application and throughout the lifetime of your account at no charge.
Can we manage our employee cards online?
Yes, our online account management platform allows administrators to:
- Adjust individual card limits in real time
- Set temporary limit adjustments with a start and stop date
- Pause cards
- Cancel cards if they are lost, stolen, or the employee cardholder leaves the organization
What level of support will we receive from Charity Charge or Commerce Bank?
Charity Charge offers a dedicated support team accessible by phone and email to assist with general questions and account setup or updates.
Commerce Bank has a Commercial Cards Support Team dedicated to serving business cardholders by phone and email 24/7 who assists with general questions, account updates, troubleshooting within the online banking platform, troubleshooting transaction or balance inquiries, and accepting phone payments.
What online account management capabilities are available?
Upon opening your account, one person will be designated as the online administrator. Online administrators can:
- Invite additional online users with full permissions and limited access
- Order, cancel, and pause cards
- Adjust individual card limits in real time
- View recent authorizations and declined reasons (when applicable)
- Pay your bill
- Access your overall account statement and individual statements for employee cards
- Set up automatic statement notifications for admins and employee cardholders
- Download transaction data and build custom reports for easy upload and download into your accounting software
Receipts can be uploaded for expense reporting purposes for a small storage fee charged by the service provider. Receipts can also be managed in the free Mastercard Receipt Management app. Your account manager can discuss these options with you.
What are the rates and fees?
This card program has no annual fee. All charges are due and payable by the Payment Due Date shown on your periodic statement.
The grace period for the repayment of purchase is at least 20 days from the date of the periodic statement, provided you have paid the previous balance in full by the due date.
An APR of 14.99% is applied to balances for the first 60 days they are carried. Balances carried for longer than 60 days are subject to an APR of 21.99%.
What additional benefits will we receive?
Nonprofits receive exclusive discounts at over 200+ national vendors through our partnership with Purchasing Point.
Microsoft 365– Get your first 4 months free with a one-year subscription of Office apps like Word, PowerPoint, and Excel.
Intuit QuickBooks® and TurboTax®– Save 40% on QuickBooks Online or 50% on QuickBooks Self Employed for 12 months when you purchase with your Charity Charge Mastercard
Global Emergency Services– Speak with a Mastercard representative 24X7, 365 while traveling for any card-related need.
Learn more about these card benefits available to Mastercard BusinessCard holders.
Can we have our card customized?
Customizing a Charity Charge Nonprofit Business Card with your logo is available to organizations who participate in our Fundraising program. Your account manager can discuss the qualifications for customer branding your business card once your account has been opened.
Nonprofit Cardholder Resources
How do we order additional cards?
To place an order for a new card, email the Commerce Bank Business Card Support Team at commercial.cards@commercebank.com.
Include the cardholder(s) full name, individual limit, and the last 4 digits of his/her Social Security Number. This 4 digit number is only used as a PIN in case the cardholder needs to speak with the bank.
How do we cancel cards?
To cancel a card in the online platform, go to Cards > Card Maintenance > Search > Select the card > Edit > Select the appropriate status from the dropdown menu > Save
A 9 digit unique identifier is required by the system to cancel a card.
You can also request card cancellations through the Commerce Bank Business Card Support Team at commercial.cards@commercebank.com.
How do I reset my online banking password?
Follow the Reset Password flow on the login screen. If this function does not send you a new temporary password, the Commerce Bank Business Card support team can manually email you a new password when you call 1-800-892-7104 or email commercial.cards@commercebank.com.
Online admins can reset passwords for other online users under the Security > Users tab. Select the user then choose the green Reset Password button.
What payment options do we have?
Online banking is our default option– online administrators receive monthly notices when new statements are prepared. You can view, print, and pay your statement from our online platform.
If you require a paper statement to be mailed to the organization, you can request this from our account management team once your account has been opened. You can mail a check if it’s required by your internal policies.
You can make one phone payment per month with no processing fees. Additional phone payments may be subject to a processing fee.
Program administrators can elect to set up automatic ACH payments with help from an account manager.
How quickly will our online payment process?
Payments submitted before 5:00 p.m. (ET) will be processed the next business day. Any payments made after 5:00 p.m. will be processed in two business days.
Why is our card being declined?
In the online platform, go to Quick Links > Recent Activity > Search > Find the card in question > click Recent Authorizations
This will show the card’s credit availability (which may be the issue) as well as details on the status of each recent charge and a ‘”decline reason” when applicable.
If this is inconclusive, you can contact Commerce Bank at 1-800-892-7104 or commercial.cards@commercebank.com for help troubleshooting.
Can we choose the cycle date for our statement?
Yes, once your account is opened you can choose a cycle date between the 1st and 27th of the month by contacting your account manager.
A cycle date of the 1st, for example, would capture transaction activity from the 2nd of January to the 1st of February.
You can download transaction data by exact calendar months through the online banking platform if needed.
Can we sync our online banking account with our accounting or expense reporting platform?
Your online account can be synced with Expensify and Concur. Direct integration with Quickbooks is not yet available but is expected to be made available in the future.
To inquire about integrating your online account with a particular accounting or expense reporting platform, please contact Abby Pesek, Account Executive, at (512) 543-4966 or abby@charitycharge.com.
What should we do if we suspect fraudulent activity on our account?
As soon as fraudulent activity is suspected, the employee cardholder or an account signer should contact Commerce Bank to initiative an official dispute.
The Commerce Bank Fraud Resolution team can be reached at 866-598-8925.
A replacement card will be mailed out as soon as you speak to the fraud department and the fraudulent charges will be reversed once the fraudulent activity is investigated.
What happens if an account signatory leaves the organization?
Please contact our account management team to notify them of the change. They can provide a simple from to remove the previous signer and add any new signatories to the account.
Individual Card
Application Process & Card Details
How does the Charity Charge World Mastercard work?
The Charity Charge World Mastercard works wherever Mastercard is accepted. With each purchase, you earn 1% Cash Back in the form of an automatic donation to the nonprofit(s) of your choice. Unlike other rewards credit cards, the donations you earn with your Charity Charge World Mastercard are automatically distributed to the nonprofits you care about instead of going unused or unappreciated.
Is the Charity Charge World Mastercard a secured or unsecured credit card?
The Charity Charge World Mastercard is an unsecured credit card.
I live outside of the U.S. Can I get a Charity Charge credit card?
Currently, the Charity Charge World Mastercard is only available for U.S. residents.
Does the Charity Charge World Mastercard have an annual fee?
There is no annual fee for the Charity Charge World Mastercard.
What are the financial details of the card (i.e. APR, Balance Transfer fees)?
You can find all of the rates and details on the full terms sheet.
Do you pre-qualify applicants for this card or have instant approval?
We do not currently have the ability to pre-qualify applicants or do instant approval.
If I apply for the Charity Charge World Mastercard will I be approved?
This is a difficult question to answer because everyone’s financial situations are unique. In general, those with good to great credit are approved for the Charity Charge World Mastercard, however, exceptions do occur.
How will applying for the Charity Charge World Mastercard affect my credit score?
Everyone’s financial situation is different so it is hard to predict how applying for a new credit card will affect your credit score without knowing your specific situation. These articles can help you determine how applying for a new credit card will affect your credit score:
How Credit Cards Impact Your Credit Score (CreditCards.com)
FICO’s 5 Factors: The Components of a Credit Score (CreditCards.com)
Which credit bureau does Commerce Bank use?
Commerce Bank will pull credit information from TransUnion when evaluating your application.
Where can I use my Charity Charge World Mastercard?
The Charity Charge World Mastercard can be used anywhere that Mastercard is accepted around the world.
What credit limit will I be approved for?
This varies based on your personal financial situation. Please call Commerce Bank at 800-645-2103 to discuss your unique situation or inquiry about your credit limit.
How long will it take for Commerce Bank to make a decision on my application?
Commerce Bank takes 1-2 weeks to make a decision on applications. If you are wondering about the status of your application please call Commerce Bank at 800-645-2103.
What is the status of my application?
For inquiries regarding the status of your application, please contact Commerce Bank at 800-645-2103. Their call center representatives will be happy to answer your questions.
What benefits do I get from having a World Mastercard?
World Mastercard benefits include:
- Extended warranty
- Price protection
- Purchase assurance
- Satisfaction guarantee
- Mastercard Global Service
- Concierge services
- Mastercard ID Theft Protection
- Zero Liability
- Airport lounge access
- Luxury travel benefits
- Travel assistance services
For more information on these benefits, visit the Mastercard website.
Can I choose to support multiple charities?
Yes, you can support up to 3 nonprofits, K-12 schools, universities, or religious organizations at a time. Your donation will be split equally between the nonprofits you choose, for example:
- 1 nonprofit – They receive 100% of the 1% Cash Back you earn on each purchase
- 2 nonprofits = Each nonprofit gets 50% of the 1% Cash Back you earn on each purchase
- 3 nonprofits = Each nonprofit gets 33% of the 1% Cash Back you earn on each purchase
Is the nonprofit I want to support in your system?
Yes! Our system pulls from the GuideStar database that contains all 501(c)(3) organizations, K-12 schools, universities, and religious organizations in the U.S., therefore, all organizations listed in GuideStar will be available for cardholders to choose to support.
If you are having difficulty finding a nonprofit in our system, try adding the organization’s zip code or each by their EIN if it’s known.
If the issue persists, please email us for assistance at info@charitycharge.com.
Cardholder Resources
What can be found on my donation dashboard?
The cardholder donation dashboard shows:
- Your lifetime impact
- Your total impact toward each cause you support
- Your weekly history of impact towards the nonprofits you support
- The ability to change or add up to 3 nonprofits
- Your tax receipt
- FAQs about your card and Charity Charge
- Account management:
- Change your password
- Change your email preferences
I am having trouble accessing my donation dashboard– what should I do?
If this is your first time logging into your dashboard, or if you have forgotten your password, please click the “Need A Password?” button. You will be prompted to reset your password and should try logging in again with your new password.
If you are still having difficulty logging in, please email info@charitycharge.com for assistance.
Are my Cash Back donations tax deductible?
Cash Back donations earned with your Charity Charge World Mastercard are tax deductible. Cardholders can find their tax receipts in their donation dashboard at the end of the calendar year.
We recommend consulting your personal tax advisor to see how your tax-deductible donations impact your individual tax situation.
How are my donations sent to the nonprofit(s) I support?
Donations are processed by Global Impact on a quarterly basis. We cover 100% of the donation processing fees so that the organizations your support receive the full 1% Cash Back donation you earn. There is never a cost to the recipient organizations.
What happens to my donations if I decide to cancel my card?
Any donations you earn during the lifetime of your account will be sent to your selected nonprofit(s).
How will I be notified of my donations and spending?
Information on your monthly contributions can be found on the homepage of your donation dashboard.
I want to view my account balance, pay my bill, configure automatic payments, bank online, update my name, add an authorized user, or receive travel notifications.
In order to maintain your Charity Charge World Mastercard account, please sign in to the Commerce Bank Online Banking system at www.commercebank.com/cardaccess.
If it is your first time logging in, please select ‘Activate Online Banking’ and follow the prompts.
Through the online banking system, you can check your balance, make a payment, access paperless statements, and request other account maintenance functions.
Download the Commerce Bank mobile banking app to access your account on the go:
Download from the Apple App Store.
Download from the Google App Store.
I have a question about a specific fee or transaction– what should I do?
Contact Commerce Bank at 800-645-2103 and an agent will assist you.
What should I do if my card was lost/stolen or if I suspect fraudulent activity on my account?
Call Commerce Bank immediately at 800-645-2103 to open an investigation. They will assist with cancelling your card, ordering a replacement card, and the reversal of funds when the investigation is concluded.
Please direct all other inquiries regarding your account to:
Commerce Bank at 800-645-2103 or email mymoney@commercebank.com.
Nonprofit Fundraising Program
What is the Charity Charge Fundraising Program?
Charity Charge Fundraising is a free and easy way for nonprofit organizations to earn passive, recurring revenue when your donors adopt the Charity Charge World Mastercard (individual credit card) and designate your organization as the recipient of their Cash Back donations.
Charity Charge individual cardholders earn 1% Cash Back on every purchase as an automatic donation to the nonprofit of their choice– do your supporters know they could be supporting your mission with a Charity Charge card?
All nonprofits in good standing with the IRS are pre-listed in our system. We are a Public Benefit Corporation and have a zero fee model as our mission is to help nonprofits.
There is no annual fee to the cardholder and we underwrite the donation processing fees so your nonprofit earns the full amount that your cardholders earn.
To learn more and request additional information, please visit our Fundraising page.
How does our organization get in the Charity Charge database for individual cardholders to choose?
Our platform pulls from the GuideStar database of every registered 501(c)(3) in the U.S do there is no action necessary to be listed in our system.
If you are not already listed in GuideStar, visit their Help Center to proactively list your organization in their database.
What if I can’t find my organization in your system?
The most accurate way to find your organization in our system is to search by your nonprofit’s EIN or School ID number. We proactively list every registered 501(c)(3) and public school in the U.S. through our relationship with GuideStar. If you are having difficulty locating your organization, try searching for your legal business name instead of your abbreviated name or dba.
If the issue persists, please email us at info@charitycharge.com.
Can I change my nonprofit information (logo, name, address, etc.) that displays on your website?
Yes, you can change your nonprofit’s information directly in GuideStar. We pull all of our data from their platform so any updates you make in GuideStar will be reflected on our website. Please allow a few days for any updates to be displayed on our website.
What database do you use for K-12 schools and universities?
We pull school data from the National Center for Education Statistics database, provided to us by GuideStar.
How are donations processed and sent to our organization?
Donations are processed quarterly by Global Impact. Nonprofits will receive donations by check unless they opt-in to the Global Impact direct deposit option.
Will we actually receive the full 1% that our cardholders earn?
Yes! It’s important to us that 100% of the donations that cardholders earn goes directly to their favorite nonprofit. Therefore, we underwrite all donation processing fees so that there is no cost for any nonprofit to fundraise with Charity Charge.
Is there a minimum donation amount?
When we process donations each quarter, we hold donations to organizations with less than $10 in total donations. The donations are then released during a future distribution period once a minimum of $10 in donations has accumulated.
How can we share Charity Charge with our supporters?
Visit our Fundraising page to learn more about the program and request marketing materials to help you get the word out about Charity Charge.
Can we get our logo on the individual card?
We have some experience co-branding cards for individual organizations and accept new requests on a case by case basis. Please email abby@charitycharge.com to discuss this opportunity and get more information.
Can we obtain any contact information on our cardholders?
We currently only provide donor contact information to nonprofits who also have our Nonprofit Business Card.
Small Business Card
Application Process & Card Details
What is the Charity Charge Business Card?
The Charity Charge Business Card empowers socially conscious businesses to effortlessly give back with Cash Back that’s automatically donated to any nonprofit of the company’s choice.
Business cardholders benefit from 1% automatic Cash Back donations, no annual fee, unlimited employee cards, advanced online account management tools, and tax-deductible donations.
Does my business qualify for this card program?
To qualify, your business must be based in the U.S. and have two or more years in operation or have annual revenue of at least $5M to qualify before two years in operation.
Does this credit card require a personal guarantee?
The Charity Charge Business Card can be underwritten directly to your business if you have two or more years in business or if you are over $5M in annual revenue.
If you have over two years in operation, you can choose to personally guarantee the account to potentially increase your odds of approval. You also have the option to provide company-prepared such as income statements and balance sheets so the account can be underwritten directly to the business.
If you have less than 2 years in business and you are under $5M in revenue, you can only apply with a personal guarantee (which includes a personal credit check on that individual).
How will our credit limit be decided?
If you apply with a personal guarantee, your credit limit will be determined by evaluating the guarantor’s credit history with a personal credit check.
If you apply with company financials and no personal guarantee, underwriting will include a review of the business’ credit history and company-prepared financials. A personal credit check will not be conducted if no personal guarantee is given.
Regardless of applying with or without a personal guarantee, you can request a specific credit limit on the application. We typically recommend that you request a limit based on your average monthly expenses. For example, if you spend approximately $10,000 a month, a $15,000 limit would provide some flexibility during months when your expenses are above average.
How will the nonprofit we support receive our 1% cash back donations?
Donations are processed by Global Impact on a quarterly basis. We cover 100% of the donation processing fees so that the organizations your support receive the full 1% cash back donations you earn. The recipient organizations are never charged.
Can we choose to support any nonprofit organization?
Yes! Our system pulls from the GuideStar database that contains all 501(c)(3) organizations, K-12 schools, universities, and religious organizations in the U.S., therefore, any organization will be available for cardholders to choose to support.
Your account manager will save your preferences once your account is opened.
How many cards can we order for our team?
Businesses can order as many employee cards as they need at no charge.
Cards can be distributed to owners, employees, or administrators as needed. Signatory permissions will be limited to the 1-2 signers on the application for security purposes.
Can we manage our employee cards online?
Yes, our online account management platform allows administrators to:
- Adjust individual card limits in real time
- Set temporary limit adjustments with a start and stop date
- Pause cards
- Cancel cards if they are lost, stolen, or the employee cardholder leaves the organization
Can we choose the cycle date for our statement?
Yes, once your account is opened you can choose a cycle date between the 1st and 27th of the month by contacting your account manager.
A cycle date of the 1st, for example, would capture transaction activity from the 2nd of January to the 1st of February.
You can download transaction data by exact calendar months through the online banking platform if needed.
What if my business is less than 2 years old?
You can still qualify for the Charity Charge Business Card by providing a personal guarantee on your application. The individual acting as the guarantor will have his or her credit history checked to determine credit worthiness for the account.
If your new business has annual revenue greater than $5M, you can apply without a personal guarantee and provide business financials instead.
What level of support will we receive from Charity Charge or Commerce Bank?
Charity Charge offers a dedicated support team accessible by phone and email to assist with general questions and account setup or updates.
Commerce Bank has a Business Card Support Team dedicated to serving business cardholders by phone and email 24/7 to assist with general questions, account updates, troubleshooting within the online banking platform, troubleshooting transaction or balance inquiries, accepting phone payments, and more.
What online account management capabilities will we have?
Upon opening your account, one person will be designated as the online administrator. Online administrators can:
- Invite additional online users with full permissions and limited access
- Order, cancel, and pause cards
- Adjust individual card limits in real time
- View recent authorizations and declined reasons (when applicable)
- Pay your bill
- Access your overall account statement and individual statements for employee cards
- Set up automatic statement notifications for admins and employee cardholders
- Download transaction data as an Excel, CSV, or PDF file and build custom reports for easy upload and download into your accounting software
Receipts can be uploaded for expense reporting purposes for a small storage fee charged by the service provider. Receipts can also be managed in the free Mastercard Receipt Management app. Your account manager can discuss these options with you.
What are the rates and fees?
This card program has no annual fee. All charges are due and payable by the Payment Due Date shown on your periodic statement.
The grace period for the repayment of purchase is at least 20 days from the date of the periodic statement, provided you have paid the previous balance in full by the due date.
An APR of 14.99% is applied to balances for the first 60 days they are carried. Balances carried for longer than 60 days are subject to an APR of 21.99%.
What additional benefits will we receive?
Microsoft 365– Get your first 4 months free with a one-year subscription of Office apps like Word, PowerPoint, and Excel.
Intuit QuickBooks® and TurboTax®– Save 40% on QuickBooks Online or 50% on QuickBooks Self Employed for 12 months when you purchase with your Charity Charge Mastercard
Global Emergency Services– Speak with a Mastercard representative 24X7, 365 while traveling for any card-related need.
Learn more about these card benefits available to Mastercard BusinessCard holders.
Business Cardholder Resources
How do we order additional cards?
To place an order for a new card, email the Commerce Bank Business Card Support Team at commercial.cards@commercebank.com.
Include the cardholder(s) full name, individual limit, and the last 4 digits of his/her Social Security Number. This 4 digit number is only used as a PIN in case the cardholder needs to speak with the bank.
How do we cancel cards?
To cancel a card in the online platform, go to Cards > Card Maintenance > Search > Select the card > Edit > Select the appropriate status from the dropdown menu > Save
A 9 digit unique identifier is required by the system to cancel a card.
You can also request card cancellations through the Commerce Bank Business Card Support Team at commercial.cards@commercebank.com.
How do I reset my online banking password?
Follow the Reset Password flow on the login screen. If this function does not send you a new temporary password, the Commerce Bank Business Card Support Team can manually email you a new password when you call 1-800-892-7104 or email commercial.cards@commercebank.com.
Online admins can reset passwords for other online users under the Security > Users tab. Select the user then choose the green Reset Password button.
What payment options do we have?
Online banking is our default option– online administrators receive monthly notices when new statements are prepared. You can view, print, and pay your statement from our online platform.
If you require a paper statement to be mailed to the organization, you can request this from our account management team once your account has been opened. You can mail a check if it’s required by your internal policies.
You can make one phone payment per month with no processing fees. Additional phone payments may be subject to a processing fee.
Program administrators can elect to set up automatic ACH payments with help from an account manager.
How quickly will our online payment process?
Payments submitted before 5:00 p.m. (ET) will be processed the next business day. Any payments made after 5:00 p.m. will be processed in two business days.
Why is our card being declined?
In the online platform, go to Quick Links > Recent Activity > Search > Find the card in question > click Recent Authorizations
This will show the card’s credit availability (which may be the issue) as well as details on the status of each recent charge and a ‘”decline reason” when applicable.
If this is inconclusive, you can contact Commerce Bank at 1-800-892-7104 or commercial.cards@commercebank.com for help troubleshooting.
Can we choose the cycle date for our statement?
Yes, once your account is opened you can choose a cycle date between the 1st and 27th of the month by contacting your account manager.
A cycle date of the 1st, for example, would capture transaction activity from the 2nd of January to the 1st of February.
You can download transaction data by exact calendar months through the online banking platform if needed.
Can we sync our online banking account with our accounting or expense reporting software?
Your online account can be synced with Expensify and Concur. Direct integration with Quickbooks is not yet available but is expected to be made available in the future.
To inquire about integrating your online account with a particular accounting or expense reporting platform, please contact Abby Pesek, Account Executive, at (512) 543-4966 or abby@charitycharge.com.
What should we do if we suspect fraudulent activity on our account?
As soon as fraudulent activity is suspected, the employee cardholder or an account signer should contact Commerce Bank to initiative an official dispute.
The Commerce Bank Fraud Resolution team can be reached at 866-598-8925.
A replacement card will be mailed out as soon as you speak to the fraud department and the fraudulent charges will be reversed once the fraudulent activity is investigated.
What happens if an account signatory leaves the organization?
Please contact our account management team to notify them of the change. They can provide a simple from to remove the previous signer and add any new signatories to the account.
If you have any further questions please email us at info@charitycharge.com.
For press inquiries please visit our press page or email us at press@charitycharge.com.