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 a business credit card designed for nonprofits with no annual fee and advanced online account management.
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.
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.
Who should I contact if I have further questions?
You can send general questions to support@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
With over 150 years of experience, Commerce Bank offers a super-community financial experience that pairs large bank products and services with deep local market knowledge and strategy.
Headquartered in Missouri, Commerce has a large presence in the Midwest and is a top 15 commercial credit card issuer in the United States.
You can learn more about Commerce Bank here.
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.”
Application Process & Program Details
What is the Charity Charge Nonprofit Business Card?
The Charity Charge Nonprofit Business Card is a business credit card designed specifically for nonprofits. Our card program features no annual fee.
For more information on this card’s benefits and features, visit our Nonprofit Credit Card Details page.
Is my nonprofit eligible to apply for this card?
Nonprofit organizations must have 5 years in operation, at least $100,000 in annual revenue, and be based in the U.S. to be eligible for this program. Most tax-exempt organizations in good standing with the IRS and Secretary of State are eligible 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 team at support@charitycharge.com or (512) 759-8575.
What if my organization is less than 5 years old?
If your organization has less than 5 years in operation, you may still qualify for the Nonprofit Business Card by having at least 2 years in operation and $500,000 or more in annual revenue.
If you do not meet the above criteria, we also have a Secured Credit Card which has no time in operation or annual revenue minimum. Secured credit cards may help build or establish an organization’s credit history as the issuing bank reports payment and usage activity to business credit reporting agencies. The credit line for a secured credit card matches the amount you deposit for the required refundable security deposit (minimum $5,000). For example, you would be required to make a refundable deposit of $5,000 to obtain a $5,000 credit limit.
For questions regarding your eligibility, please contact our team at support@charitycharge.com or (512) 759-8575.
Does this credit card require a personal guarantee?
The Charity Charge Nonprofit business Card can be underwritten directly to the organization without a personal guarantee. However, a personal guarantee could be required in certain circumstances.
How will our credit limit be decided?
You may specify a requested credit limit on your application. However, your assigned credit limit is determined by the credit card issuer. The assigned credit limit will be based on several factors including a financial review.
How many cards can we order for our team?
Nonprofits can order as many employee cards on your original application or after your account is established.
Cards can be distributed to staff, volunteers, or administrators as needed.
Employee cards can be ordered on your original application or after
your account is established.
What online account management capabilities are available?
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.
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 are the rates and fees?
This card program has no annual fee.
For each payment not received by the payment due date shown on the billing statement, a late fee will be charged. The late fee for the respective Commercial account will be 2.5% of the amount past due.
What Will I Need To Pay Each Month?
All charges in a billing cycle 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.
What additional benefits will we receive?
Nonprofits receive exclusive discounts at over 200+ national vendors
through our partnership with CHAMPs.
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® Business Card holders.
If you have any further questions please email us at support@charitycharge.com.
For press inquiries please visit our press page or email us at press@charitycharge.com.