Best Charge Card Offers Online

Did you know that a charge card is different from a credit card? Although the terms are at times used interchangeably, in fact they refer to two entirely different financial tools. A credit card is a revolving line of credit with a set credit limit that is not necessary for the accountholder to pay off in full each billing cycle. As long as minimum payments are submitted to the card issuing company before specified payment due dates which occur roughly once every month, the balance can be carried forward into the next billing period while accruing interest. By contrast, charges made on a charge card must be paid in full each and every month barring a few exceptions. This means that a charge card holder typically does not have the option to pay off a portion of the balance and carry the remaining amount forward. Also, charge cards generally do not have a spending limit.

Best Charge Cards

Best Charge Cards
Exclusive Events
+25,000 Bonus Points
Intro APR on Bal. Transf. n/a
Intro APR on Purchases n/a
Regular APR n/a
Annual Fee $450
Earn 25,000 Membership Rewards® Points
  • Earn 25K Membership Rewards® points when you spend $2,000 during your first three months of Card membership.
  • Premium travel benefits: access over 600 lounges worldwide when you enroll in Priority Pass™Select, no foreign transaction fees.
  • Receive up to $200 annually in a statement credit with the airline of your choice to use towards baggage fees, flight-change fees, in-flight food and beverage purchases and more.
Consumer Rating: / 5

Other Charge Cards

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How to compare card offers 1. Check the most attractive cards in the tables below
2. Click the "Compare" link below any card
3. Compare checked cards, select the best one and apply online.
Card Name
Credit History
Annual Fee
Activation Fee
Excellent / Good n/a Introductory annual fee of $0 for the first year, then $125 $0
Consumer Rating: / 5
  • Access to Exclusive Benefits: Baggage Insurance Plan* when you travel, and shop with confidence with Extended Warranty* and Return Protection.
  • Use points for gift cards for dining, entertainment, and to shop over 300 of some of your favorite merchants.
  • Get discounts and low rates at hotels and resorts, plus a $75 hotel credit when you book through Gold Hotel Collection.
Excellent / Good n/a Introductory annual fee of $0 for the first year, then $175 $0
Consumer Rating: / 5
  • Earn More: earn 25K Membership Rewards® points after you spend $2K during your first three months of Card membership; earn 15K points after you spend $30,000 within one calendar year.
  • Earn Fast: 3X points for flights booked with airlines, 2X points at US gas stations and US supermarkets, 1X points on other purchases. Terms and limitations apply.
  • Use points for gift cards for dining, entertainment, and to shop over 300 of some of your favorite brands.

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Best Charge Cards

The very first charge card was offered through Western Union on 1914 and was issued to consumers as a piece of printed paper. The first company to issue charge cards in the form of the embossed piece of plastic that are in circulation today was American Express in 1959. Here are a few facts about charge cards:
  • Some charge cards nowadays give users the option to pay off certain purchases over time, as with a credit card. Many charge cards come with a feature known as 'no preset spending limit'. This means that the card's spending limit varies from month to month and is determined by a combination of factors including general economic conditions and a consumer's spending patterns and history.
  • Large businesses and governmental agencies utilize charge cards to pay for expenses pertaining to official business. These 'purchasing cards' enable those institutions to keep better records and give them the ability to track expenses.
  • If you are interested in applying for a charge card as opposed to a credit card, you should know that you will need to have excellent credit in order to qualify.
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