MoneyGeek’s Take

Charity Charge Nonprofit Business Card Review

Updated: June 10, 2024

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Charity Charge Nonprofit Business Card

APR14.90% (Variable)
Annual FeeN/A

The Charity Charge Nonprofit Business Card revolutionizes financial management for nonprofits. Eliminating personal credit checks minimizes personal liability and offers an efficient, hassle-free application. With no annual fees, it's also a cost-effective choice. Round-the-clock support from Commerce Bank and Charity Charge ensures help is always available. Meanwhile, the card's rebate system and discounts through CHAMPS Group Purchasing on essential purchases like office supplies significantly reduce operational costs. While it specifically serves nonprofits and uses select vendors, this card is a critical tool in the sector, offering security, savings and unparalleled convenience.

Charity Charge Nonprofit Business Card Overview

When selecting a new credit card, evaluating agreement details is an excellent place to start. The Charity Charge Nonprofit Business Card comes with the following features:

  • Rewards Rate: None
  • Welcome Offer: None
  • Regular APR: 14.90% (variable)
  • Annual Fee: $0
  • Intro APR Offer: None

Consider how this card suits your financial profile and complements your organization. These offerings can significantly impact your nonprofit's financial health and operational efficiency.

Important Card Details

In assessing the Charity Charge Nonprofit Business Card, it's helpful to consider how its specific features align with the needs and challenges faced by nonprofit organizations. From cost-saving measures to enhanced security, each aspect of the card dials in on the nonprofit sector's unique operational landscape.

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    Fees

    Comparing applicable fees may guide you as you select your new credit card, and the Charity Charge Nonprofit Business Card stands out for its consumer-friendly fee structure. This product won't incur the annual fees or ongoing service charges you see with similar cards. This feature not only means savings for nonprofits but also ensures more funds remain dedicated to your organization's core mission. This feature can be a game-changer in a world where every penny counts, especially in the nonprofit sector.

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    Application

    The application process for many credit cards often involves personal credit checks, which can feel invasive and deter potential cardholders. This card is a breath of fresh air with no personal credit checks required. It offers a sense of financial security by removing the liability linked to personal guarantees. This feature reflects a thoughtful approach, understanding that nonprofits and their employees often operate on thin margins and require a credit solution that respects their unique challenges.

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    Expense Tracking

    Efficient expense tracking is pivotal for nonprofits to maintain transparency and ensure the judicious use of funds. The Charity Charge card supports this need seamlessly. Automatic email notifications are dispatched to employee cardholders at the close of each billing cycle, promoting accountability. Moreover, the ability to pause, cancel and tweak card limits in real-time gives organizations a dynamic tool to monitor and manage expenses.

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    Other Perks

    Beyond the basics, this card offers a suite of perks aiming to support and bolster nonprofits. Round-the-clock support from Commerce Bank, supplemented by Charity Charge Customer Care, ensures assistance is always available. Meanwhile, automatic statement rebates on essentials like travel and fuel can yield significant savings. Don't forget the CHAMPS Group Purchasing feature, offering 10–20% discounts on everyday items.

How the Charity Charge Nonprofit Business Card Compares

Below, we closely examine the features and benefits of two distinct business credit cards, providing clarity to assist your selection for your organization.

How This Card Compares

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Charity Charge Nonprofit Business Card

  • Rewards Rate: None
  • Welcome Offer: None
  • Regular APR: 14.90% (variable)
  • Annual Fee: $0
  • Intro APR Offer: None
  • Best For: Nonprofits and organizations seeking a cost-effective financial tool focusing on reduced personal liability and streamlined operations without the incentives of rewards or introductory offers.
creditCard1 icon

Ramp Business Card

  • Rewards Rate: Earn unlimited 1.5% cash back, up to $175K in partner perks and free time-saving software.
  • Welcome Offer: None
  • Regular APR: N/A
  • Annual Fee: $0
  • Intro APR Offer: None
  • Best For: Businesses looking for a straightforward cash back program and additional perks, especially organizations benefiting from substantial partner offers and time-saving software, without the appeal of a welcome bonus or introductory APR.

About Grace Pilling


Grace Pilling headshot

Grace Pilling was the Senior Content Manager for Credit Cards at MoneyGeek. She previously led personal finance teams at Bankrate, CreditCards.com and MoneyUnder30.

Pilling has a bachelor's degree in English from Western Sydney University and a diploma in book editing, proofreading and publishing. She is focused on empowering readers to make informed financial choices that support their best lives, not a company’s bottom line.


*Rates, fees or bonuses may vary or include specific stipulations. The content on this page is accurate as of the posting/last updated date; however, some of the offers mentioned may have expired. We recommend visiting the card issuer’s website for the most up-to-date information available.
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