The Nonprofit Credit Card
Supercharge your mission with the nonprofit credit card built for mission-driven teams.
- No Annual Fee
- Mastercard® Zero Liability and ID Theft Protection
- Exclusive to the nonprofit community
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.
Why Choose the Charity Charge Nonprofit Credit Card?
No Annual Fee
Avoid spending hard-earned organization funds on expensive annual fees. Our program is free for nonprofits. ⁴
Exclusive to Nonprofits
Purpose-built by a team that understands 501(c) needs.
Unlimited Employee Cards
Order cards for the whole team with no extra fees.
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.
Real-Time Card Controls
Pause cards, adjust limits, and monitor spending in one convenient platform.
Mastercard® Easy Savings ⁵
Automatic rebates on select fuel, hotels, dining, and more.
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.
Testimonials
From the Charity Charge Community
“We are relatively new to using the card, but the customer service that we have received from Charity Charge has been reassuring and unexpected.”
“EveryLibrary had searched for a few years for the right financial services partner to help us secure and extend our credit profile. Charity Charge has been a wonderful organization to work with to help us reach our goals.”
“I was pleasantly surprised that the application process was so seamless and the Charity Charge Team was a great help in guiding us along the way. Thanks to Charity Charge we now have credit that frees up cash when we need it. “
“Applying to Charity Charge for a credit card was so easy and customer service has been great — they’ve checked in with us every step of the way. We’ve had no issues with our cards and are very happy to have them, so thank you for making this service available to nonprofits!”
“When we learned about Charity Charge we really loved what they were doing for the nonprofits in our community. They took the time to visit our organization and learn more about our mission. By talking to them we could tell their staff truly cares about all the nonprofit organizations. Charity Charge made us feel like we are important in our community and important to them as their clients.”
“Charity Charge made our organization more efficient as we no longer have to operate through reimbursement. The customer service is amazing and the professionalism is next to none.”
“From initial outreach to application to approval and, finally, to account set up and receipt of cards, your team has been helpful and collaborative. I’m grateful for your mission. This is a game changer for organizations like ours.”
“Charity Charge has been a wonderful addition to our organization. The customer service team has been wonderful, and we appreciate the benefits that come with our card!”
FAQs
Learn more about the Nonprofit Credit Card.
When you click Get Started, you will be directed to a form collecting general information like Organization Name and EIN. You can speak with our team about the program and we will send the credit 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. If you do not meet the qualifications for the Nonprofit Business Card, you may be qualified for our Secured Credit Card, which enables nonprofits 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 sign the credit 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 with your application.
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.
Disclosures
- QuickBooks is a registered trademark of Intuit Inc. Additional fees may apply.
- Learn more about Mastercard Zero Liability.
- Learn more about Mastercard Car Rental Insurance.
- View the Pricing Terms & Fees of the Charity Charge Nonprofit Business Card.
- Learn more about Mastercard Easy Savings and current offers.
Nonprofit Resources
The Charity Charge resource hub provides tips, tools, and information to help your nonprofit create and grow a modern organization.
