Credit Cards Built for Nonprofits

“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.”

Mike TrujilloCo-Director and Finance and Organizational Development, Conejos Clean Water

“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."

Daryl DunbarCFO, Jazz Foundation of America

Managing Nonprofit Spending Should Not be Hard

Staff purchases happen across programs, departments, and locations. Receipts get lost, reimbursements pile up, and month-end close turns into a scramble.

And without clear guardrails, it is difficult to ensure every purchase aligns with your budget, policies, and restricted funding.

Charity Charge brings nonprofit credit cards, spending controls, and expense management into one unified system, so you can stay accountable without slowing your mission down.

Trusted by 3,000+ Nonprofits

Programs designed exclusively for nonprofits, so you can focus on your mission

Over 10 Years of Service

Charity Charge has a decade of experience supporting nonprofits in all 50 states

Backed by Mastercard

You're protected globally by Mastercard® Zero Liability and ID Theft Protection

Feature	Charity Charge	Traditional Banks	Ramp
Built for nonprofit operations	✔ Yes	✔ Yes	✘ No
Annual Fees	$0	$95–$500+	Varies
Personal Credit Check Required	No, based on EIN	Yes	Depends
Unlimited Team Cards	✔ Yes, no per card fees	Limited / extra fees	Limited
Understands Nonprofit Structures	✔ Nonprofit specialists	Generic business support	Generic support
Board Transition Support	✔ Live support 24/7 plus dedicated help	Limited	Self service
Cash Back / Rebates	Up to 1.5% unlimited	Limited / restricted	Varies

Complete a Short Form

Tell us about your nonprofit and your spending needs. It takes just a few minutes.

Get the Right Setup for Your Organization

We’ll help ensure your account is configured with the right limits, controls, and reporting structure for your team.

Issue Cards and Control Spending Immediately

Once approved, issue physical and virtual cards with program-level visibility from day one, supported by a dedicated onboarding specialist.

Who is eligible for a Charity Charge card?

501(c)(3) nonprofits, schools, religious organizations, associations, and purpose-driven companies are eligible. We approve based on your organization's EIN, not personal credit scores. There's no impact on individual credit reports.

Unfortunately, if you are not a client, we are not able to answer specific tax and accountancy questions. In order to assist you further we would offer you a free, no obligation consultation to find out more about how we can assist you and provide a quotation for our services.

What's the difference between the Nonprofit Credit Card and the Corporate Card?

Both cards offer zero annual fees, unlimited team cards, and nonprofit-first support.

The Nonprofit Credit Card is designed for 501(c)(3) organizations with features like QuickBooks integration and board transition support.

The Corporate Card offers unlimited 1.5% cash back, premium travel perks (Priority Pass, restaurant/hotel discounts), and enhanced spend controls, making it ideal for organizations with higher spending volume or those focused on maximizing rebates.

How does the cash back work on the Corporate Card?

You earn 1.5% cash back on every purchase automatically, no spending caps, no rotating categories. Cash back is credited to your account monthly and can be used however you need. There are no point expirations or complicated redemption requirements.

Can I issue cards to multiple team members?

Yes, both cards allow unlimited card issuance with no per-card fees. You can set individualised spending limits, restrict merchant categories, and track all transactions in real-time through our dashboard. This works well for organizations with multiple staff users.

What happens when our Executive Director or board leadership changes?

Your account remains active without interruption. Because your account is tied to your organization's EIN rather than any individual's credit, leadership transitions don't affect your card access or credit history. Simply update authorised users through our live support team. We specialise in helping with board elections and staff changes.

Are there any hidden fees?

No annual fees on either card. We keep our fee structure simple and transparent. View the complete Pricing Terms and Fees in our disclosure documents. Standard credit terms apply for late payments.

How long does approval take?

Most applications are reviewed within 1-2 business days. You'll speak with a Nonprofit Ambassador throughout the process to ensure your account is set up correctly. Cards typically arrive within 7-10 business days of approval.

How is Charity Charge different from platforms like Ramp or BILL?

We're built exclusively for nonprofits, schools, and associations—not generic businesses. We understand 501(c)(3) structures, grant restrictions, board governance, and mission-first operations because that's all we do.

You'll work with Nonprofit Ambassadors who speak your language, not corporate account managers reading from scripts.

Plus, our cards are designed with nonprofit-specific features like EIN-based underwriting, seamless board transition support, and integration with nonprofit accounting tools.

Is my organization's data secure?

Absolutely. We use bank-level encryption and security protocols. All cards include Mastercard Zero Liability Protection and ID Theft Protection, so you're never responsible for unauthorized charges. Your data privacy and security are fundamental to our service.

Control Nonprofit Credit Card Spending in One Unified System

Trusted by Nonprofit Leaders Nationwide