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Ink Business Premier Credit Card
Ink Business Premier Credit Card
- 18.99% to 26.99% variable based on creditworthiness Regular Purchase APR
At a Glance
The Chase Ink Business Premier Credit Card is a premium business card that earns up to 2.5% cash back on purchases of $5,000+ and 2% back on all other purchases. The card operates either as pay-in-full, or pay-over-time, thanks to Flex for Business.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn $1,000 bonus cash back after you spend $10,000 on purchases in your first 3 months from account opening
- Earn a total of 2.5% cash back on every purchase of $5,000 or more. That's $250 on a purchase of $10,000 when redeemed
- Turn all your business expenses into rewards with unlimited 2% cash back on all other business purchases
- Employee cards at no additional cost
- Regular Purchase APR: 18.99% to 26.99% variable based on creditworthiness
- Annual Fee: $195
- Late Payment Penalty Fee: $40 or 2% of the Minimum Payment Due, whichever is greater
- You own a medium-sized business with cash reserves
- You make frequent large purchases of $5,000 or more
- You want to earn cash back from your business expenses
- You manage employees who will use their own issued cards
Divvy Credit Card
Divvy Credit Card
At a Glance
The Divvy Card is a corporate business card for companies and business owners who want a corporate card’s flexibility along with the rewards of a traditional business rewards card. The card prioritizes good financial habits by maximizing rewards for companies that pay balances back early and often.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Ideal for companies that struggle with expense reports, reimbursements, receipts, and expensive annual service contracts
- Combines seamless expense management software with business cards so you never have to process another expense report
- No interest rates
- No annual fee
- No contract, no obligations
- Foreign Transaction Fee: See Terms
- Late Payment Penalty Fee: See Terms
- Return Payment Penalty Fee: See Terms
- You struggle with expense reports, reimbursements, and receipts
- You're looking for a card without interest rates or fees
- You want a corporate card that offers enforceable employee spending limits
- You want unlimited virtual cards
- You spend heavily on travel, dining, and software
Brex Mastercard® Corporate Credit Card
Brex Mastercard® Corporate Credit Card
At a Glance
Brex is a fintech credit card and charge card with startups, entrepreneurs, and small businesses in mind. The Brex Mastercard offers no annual fee, no hidden fees, and credit limits “10 – 20X higher” than other corporate credit cards.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 10-20X higher limits than traditional business credit cards
- No personal guarantee required
- No fees and no interest charges
- Create virtual credit cards for your team as soon as you're approved
- Built-in QuickBooks, NetSuite, and Xero integrations
- You're willing to repay your balance in full within 30 days
- You need access to a high credit limit
- You travel for business frequently
- You plan to make use of Amazon Web Service (AWS) and Google Ad so you can earn credits provided by Brex
The Plum Card® from American Express
The Plum Card® from American Express
At a Glance
Business owners searching for a business credit card with flexible payment options will find the Plum Card® from American Express as useful as it is unique. Offering cash back, flexible spending capacity and a 60-day grace period to pay off monthly balances, the Amex Plum Card is a credit option that’s perfect for accommodating new business owners, entrepreneurs, and freelancers with irregular income.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Paying early pays off: get a 1.5% Early Pay Discount on your statement on the amount paid within 10 days of your statement closing date and no cap on what you can earn back. Just pay the Minimum Due by the Payment Due Date
- Up to 60 days to pay with no interest
- Choose whether to receive your bill at the beginning, middle, or end of the month
- Annual fee waived the first year
- No preset spending limit
- Employee Plum Cards for no additional fee
- Annual Fee: $250
- Late Payment Penalty Fee: $39 or 1.5% of the past due amount, whichever is greater
- Return Payment Penalty Fee: $39
- You own or operate a business
- You want the option to earn cash back
- You have irregular cash flows and don’t want to be penalized for it
- You don’t want to pay an annual fee for employee cards
The Business Platinum Card® from American Express
The Business Platinum Card® from American Express
- See Terms Regular Purchase APR
At a Glance
Companies can expect the pinnacle of luxury when they use The Business Platinum Card® from American Express. This exclusive metal rewards card provides premium travel rewards, a huge welcome offer, and a variety of other perks for the savvy business traveler.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Welcome Offer: Earn 130,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership
- Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com, and 1X points for each dollar you spend on eligible purchases
- Earn 1.5X points (that's an extra half point per dollar) on eligible purchases at US construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year
- Unlock over $1,000 in value per year for statement credits on select purchases, including tech, recruiting and wireless with the Business Platinum Card
- $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Card or any of the Additional Cards on your Platinum Card account
- $189 CLEAR® Credit: CLEAR® uses biometrics to assign you a touchless ID, allowing you to move faster through security at select airports and stadiums across the U.S. You can cover the cost of a CLEAR membership with up to $189 in statement credits per calendar year after you pay for CLEAR with your Business Platinum Card®
- The American Express Global Lounge Collection® can provide an escape at the airport. With more than 1,400 airport lounges across 140 countries and counting, you have more lounge location options than any other credit card on the market as of 9/2021
- $695 Annual Fee
- Terms Apply
- Regular Purchase APR: See Terms
- Penalty APR: 29.99% variable based on the Prime Rate
- Annual Fee: $695
- Late Payment Penalty Fee: $39 or 2.99% of any past due Pay in Full amount, whichever is greater
- Return Payment Penalty Fee: $39
- You travel often for work and can take advantage of a myriad of benefits including access to airport lounges
- You will make use of statement credits for Global Entry or TSA Precheck
- You prefer airline flexibility when redeeming your points for travel
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Charge Cards vs Credit Cards
The phrase “charge card” is often used interchangeably with “credit card.” This is understandable, as the term refers to a card that can hold charges, and credit cards certainly fit that description. However, charge cards technically fit into their own category of payment, with their own advantages and disadvantages.
They function similarly to credit cards when it comes to making purchases, but have a few unique differences when it comes to paying the bill. These deviations may make them better or worse options for certain cardholders.
How Does a Credit Card Work?
Most consumers are familiar with how credit cards work – but not charge cards. First, an issuer reviews a credit card application to determine if the applicant qualifies. If approved, the issuer uses the applicant’s credit history (including their FICO scoring model credit score) to determine the size of their credit line and the interest rate.
Then, the applicant can begin to make purchases using the card. At the end of each month, the issuer provides a statement balance and requests payment. The cardholder has the option to make the required minimum payment, cover the entire balance, or pay somewhere in between.
Any funds leftover on the account will begin to accrue interest – unless it’s a 0% intro APR card. Though a charge card can technically be considered a type of credit card, they operate quite differently in these key aspects:
- Interest and Balances
- Late fees
- Annual fees
- Spending limits
Where to Get a Charge Card
Since charge cards have been largely replaced by credit cards, you won’t find a huge variety. In fact, American Express is the only of the major credit card issuers that currently offers these cards, along with a selection of Amex credit cards. An American Express charge card often comes with an abundance of luxurious travel perks, impressive membership rewards points – and a high annual fee to match.
Perhaps the most famous of the charge cards is the Platinum Card from American Express. There is also the famed Centurion Card, which is only available to VIPs and by invitation (through a high spending threshold of over $250,000 per year or more. At the entry-level, the American Express Green Card is an excellent option, given it’s quality travel rewards and relatively low $95 annual fee.
Do Other Issuers Offer Charge Cards?
While American Express might be the name most commonly associated with charge cards, there are other options available. Many commercial cards are charge cards. These aren’t business credit cards, but they are similar in that they are offered to large corporations. Some of these cards are used for purchasing bulk items for fleets, such as gas charge cards from Conoco.
In terms of consumer charge cards, there aren’t many non-Amex charge cards on the market today. These products tend to be boutique and custom offers from specialized brands and not something the average consumer would hold or use every day.
Some cards for bad credit are actually charge cards and not traditional credit cards. Some examples of charge cards for bad credit include merchandise cards from Horizon Card Services:
 Group One Platinum |
 Merit Platinum |
 NetFirst Platinum |
 Freedom Gold |
 Buy On Trust Lending |
 Unique Platinum |
Cards like the Merit Platinum Card offer quick approval, a fast and easy application process, and no credit check. like Horizon or the Group One Platinum, lets consumers build a positive credit history, thanks to regular reporting one of the major credit bureaus: Experian, Equifax, and TransUnion. Even better, there’s no security deposit requirement, as is the case with secured credit cards.
Advantages and Disadvantages of a Charge Card
With how charge cards work, there are plenty of pros and cons to weigh before you decide to get one. For one thing, your card can get very expensive if you have trouble paying your balance in full each month. On the other hand, you’ll never have to worry about credit limits or interest rates if payments aren’t a problem for you. Plus, you can still get access to plenty of worthwhile rewards for your purchases, including travel credits.
Because charge cards have no preset credit limit, they are only for people with excellent credit – or at least a very good credit score. Charge cards are not really a tool to build credit. Rather, a charge card is something like a personal finance payment card for someone with excellent credit to take advantage of and use for their everyday needs.