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
| Intro APR on Bal. Transf. | n/a |
| Intro APR on Purchases | n/a |
| Regular APR | n/a |
| Annual Fee | $450 |
- 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.
Other Charge Cards
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Excellent / Good | n/a | Introductory annual fee of $0 for the first year, then $125 | $0 |
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Excellent / Good | n/a | Introductory annual fee of $0 for the first year, then $175 | $0 |
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Excellent / Good | n/a | $0 introductory annual fee for the first year, then $95 | $0 |
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Excellent / Good | n/a | $0 introductory annual fee for the first year, then $175 | $0 |
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Excellent / Good | n/a | $0 introductory annual fee for the first year, then $250 | $0 |
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Excellent / Good | n/a | $450 | $0 |
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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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Other Credit Card Offers
for You
37 See the American Express card terms and conditions online.
2. Click the "Compare" link below any card
3. Compare checked cards, select the best one and apply online.