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Charge Cards

Charge cards function like credit cards, but they typically have higher credit limits and require you to pay your balance in full each month. Charge cards are not as common as they used to be, but they still serve as another option for customers to consider. Browse BestCards' selection of charge cards below!


September 05, 2018

American
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Processing Network
American Express
Terms & Conditions, Terms Apply
  • Annual Fee  $295
  • Regular Purchase APR  16.24% to 24.24% variable based on creditworthiness and the Prime Rate
  • Credit Needed  Excellent , Good


Best Benefits
  • • Earn up to $500 back in the form of statement credits by purchasing qualifying services with FedEx using your card within the first 3 months of membership
  • • Redeem points for rewards from hundreds of leading brands in travel, merchandise and entertainment
  • • Earn 25% points back after you book a flight using Pay with Points and up to 4X points per dollar spent on qualifying categories
  • • Get up to 1 year of G Suite Basic and ZipRecruiter Standard
Rates & Fees
     Intro Purchase APR: N/A
     Regular Purchase APR: 16.24% to 24.24% variable based on creditworthiness and the Prime Rate
     Intro Balance Transfer APR: N/A
     Balance Transfer APR: N/A
     Balance Transfer Transaction Fee: N/A
     Cash Advance APR: N/A
     Cash Advance Transaction Fee: N/A
     Penalty APR: 29.99% variable based on the Prime Rate
     Annual Fee: $295
     Foreign Transaction Fee: None
     Late Payment Penalty Fee: $39 or 2.99% of any past due Pay in Full amount, whichever is greater
     Return Payment Penalty Fee: $39
     Over Limit Penalty Fee: None
     Minimum Deposit Required: N/A
     Credit Needed: Excellent , Good

August 31, 2018

American
Learn More
Processing Network
American Express
Terms & Conditions, Terms Apply
  • Annual Fee  $0 for the first year. After that, $95
  • Regular Purchase APR  20.24% for Pay Over Time feature. This APR will vary with the market based on the Prime Rate
  • Cash Advance APR  27.24% variable based on the Prime Rate
  • Credit Needed  Excellent


Best Benefits
  • • Earn double Membership Rewards points at amextravel.com
  • • Earn 1 point for every dollar spent on all other purchases
  • • No limit to the number of points you can earn, and points do not expire
  • • $0 intro annual fee for the first year
Rates & Fees
     Intro Purchase APR: N/A
     Regular Purchase APR: 20.24% for Pay Over Time feature. This APR will vary with the market based on the Prime Rate
     Intro Balance Transfer APR: N/A
     Balance Transfer APR: N/A
     Balance Transfer Transaction Fee: None
     Cash Advance APR: 27.24% variable based on the Prime Rate
     Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
     Penalty APR: 29.99% variable based on the Prime Rate
     Annual Fee: $0 for the first year. After that, $95
     Foreign Transaction Fee: 2.7% of the transaction amount in U.S. dollars
     Late Payment Penalty Fee: Up to $39
     Return Payment Penalty Fee: Up to $39
     Over Limit Penalty Fee: None
     Minimum Deposit Required: N/A
     Credit Needed: Excellent

August 15, 2018

The
Learn More
Processing Network
American Express
Terms & Conditions, Terms Apply
  • Annual Fee  $595
  • Regular Purchase APR  20.24% variable, based on the Prime Rate, for Pay Over Time
  • Credit Needed  Excellent


Best Benefits
  • • Get 50% more points on purchases of $5,000 or more, and get 35% points back when they’re used for flights
  • • Get 5X Membership Rewards® points on flights and prepaid hotels
  • • $200 airline fee credit
  • • Earn 50,000 Membership Rewards® points after you spend $10,000 within 3 months of opening an account
Rates & Fees
     Intro Purchase APR: N/A
     Regular Purchase APR: 20.24% variable, based on the Prime Rate, for Pay Over Time
     Intro Balance Transfer APR: N/A
     Balance Transfer APR: N/A
     Balance Transfer Transaction Fee: None
     Cash Advance APR: N/A
     Cash Advance Transaction Fee: None
     Penalty APR: 29.99% variable, based on the Prime Rate, for Pay Over Time
     Annual Fee: $595
     Foreign Transaction Fee: None
     Late Payment Penalty Fee: $39 or 2.99% of any past due Pay in Full amount, whichever is greater
     Return Payment Penalty Fee: $39
     Over Limit Penalty Fee: None
     Minimum Deposit Required: N/A
     Credit Needed: Excellent

August 15, 2018

The
Learn More
Processing Network
American Express
Terms & Conditions, Terms Apply
  • Annual Fee  $550
  • Cash Advance APR  27.49% variable based on the Prime Rate
  • Credit Needed  Excellent


Best Benefits
  • • Earn 60,000 Membership Rewards® Points after you spend $5,000 in eligible purchases within the first 3 months.
  • • Earn 5X Membership Rewards® Points per dollar spent on flights booked directly with airlines or with American Express Travel, and on every dollar spent on prepaid hotels thru amextravel.com
  • • Complimentary $15 Uber Cash credit for rides in the US each month, and a bonus $20 in December - up to $200 in Uber savings annually
  • • Get access to over 1,200 airport lounges in more than 500 airports around the world via the American Express Global Lounge Collection
Rates & Fees
     Intro Purchase APR: N/A
     Regular Purchase APR: N/A
     Intro Balance Transfer APR: N/A
     Balance Transfer APR: N/A
     Balance Transfer Transaction Fee: None
     Cash Advance APR: 27.49% variable based on the Prime Rate
     Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
     Penalty APR: N/A
     Annual Fee: $550
     Foreign Transaction Fee: None
     Late Payment Penalty Fee: Up to $39
     Return Payment Penalty Fee: Up to $39
     Over Limit Penalty Fee: None
     Minimum Deposit Required: N/A
     Credit Needed: Excellent

August 28, 2018

The
Learn More
Processing Network
American Express
Terms & Conditions, Terms Apply
  • Annual Fee  $0 for the first year. After that, $250
  • Credit Needed  Excellent


Best Benefits
  • • Receive a 1.5% discount when you pay your bill early
  • • More flexibility with up to 60 days to pay
  • • Choose whether to receive your bill at the beginning, middle, or end of the month
  • • Introductory offer: No annual fee for first year
Rates & Fees
     Intro Purchase APR: N/A
     Regular Purchase APR: N/A
     Intro Balance Transfer APR: N/A
     Balance Transfer APR: N/A
     Balance Transfer Transaction Fee: None
     Cash Advance APR: N/A
     Cash Advance Transaction Fee: None
     Penalty APR: N/A
     Annual Fee: $0 for the first year. After that, $250
     Foreign Transaction Fee: None
     Late Payment Penalty Fee: $39 or 1.5% of the past due amount, whichever is greater. If you do not pay for two billing periods in a row, the fee is the greater of $39 or 2.99% of the past due amount
     Return Payment Penalty Fee: $39
     Over Limit Penalty Fee: None
     Minimum Deposit Required: N/A
     Credit Needed: Excellent

Advertiser Disclosure – BestCards is an independent, Florida-based credit card comparison platform. Many of the card offers that appear on this site are from companies from which BestCards receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). BestCards does not include all card companies or all card offers available in the marketplace.