The credit card program for your church and ministry:

photo of derek perry

“Charity Charge is solving a problem that our church and countless others have faced for decades. Regardless of our time in operation and financial capacity, we’ve always been required to put individual names on organization accounts. With Charity Charge, we have a credit card that’s actually building a credit history for our church. We are extremely happy to be working with a company that understands and cares about religious organizations like our Presbyterian Church.” 

Derek Perry, Treasurer at First Presbyterian Church of Greenville

Benefiting hundreds of churches, ministries, and congregations across the country.

Unique Benefits for Churches and Ministries:

Mastercard® Zero Liability and ID Theft Protection

Reduce liability for your pastors and church administrators. Have peace of mind knowing that the financial institution that issued your Mastercard® 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.

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.

No Annual Fee

Your church values every dollar. Reduce expenses with no annual fee or ongoing service fees.

Online Card Controls

Pause, cancel, and update card limits in real time for church employees and administrators.

Dedicated Customer Care

Charity Charge guides you through every step of the application process and Commerce Bank provides 24×7 customer care once your account is open.

Improved Cash Flow

Extend payback periods on church purchases with a monthly billing cycle and 20-day grace period on monthly statements. Payments are due in full monthly.

May Build Organizational Credit History

Many financial institutions will not lend directly to nonprofit organizations without proof of substantial revenue, assets, and a strong credit history. The Charity Charge Nonprofit Business Card may help establish or build your organization’s credit history through Commerce Bank reporting payment and usage activity to business credit reporting agencies.

Group Purchasing Discounts

CHAMPS Group Purchasing manages pricing with your preferred vendors to help you save on office supplies, transportation, wireless, and more. Discover 10 – 40% discounts on the products and services you buy every day with no enrollment fees and no purchasing minimums.

Opening an account for your church is easy

Speak with our team
about your credit
card needs

Share financial records covering 2 fiscal years for underwriting purposes

Sign a pre-filled application online in minutes

Get your cards in
the mail

We aim to make the application and setup process simple so you can get back to fulfilling your mission

Want more information for your church, ministry, or Christian organization?

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Start Your Application Today

Ready to learn more? Schedule a call to have your questions answered
and start your application.