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Brex Mastercard® Corporate Credit Card
- Annual Fee None
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Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Excellent , Good
- Processing Network Mastercard
- 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
Browse these credit card deals and thousands of other offers by becoming a Bestcards Member.
Join today!The Plum Card® from American Express
- Annual Fee $250
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Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Excellent
- Processing Network American Express
- Receive 1.5% discount when you pay your bill within 10 days of your statement closing 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
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Join today!American Express® / Business Extra® Corporate Card
- Regular Purchase APR See Terms
- Annual Fee $75 per cardmember
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Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Excellent , Good
- Processing Network American Express
- Earn 1 Business Extra point per $5 spent on the base airfare of eligible American Airlines flights
- Earn 1 point for every $20 spent on other eligible spending
- Earn up to 6% in rebates for your business on the first $1,500,000 spent on flown eligible American Airlines airfare purchases each year
- Get a $50 Flight Discount for every $5,000 of eligible purchases
- Regular Purchase APR: See Terms
- Annual Fee: $75 per cardmember
- Foreign Transaction Fee: See Terms
- Late Payment Penalty Fee: See Terms
Browse these credit card deals and thousands of other offers by becoming a Bestcards Member.
Join today!The Platinum Card® from American Express
- Regular Purchase APR See Pay Over Time APR
- Cash Advance APR 25.99% variable based on the Prime Rate
- Annual Fee $695
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Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Excellent
- Processing Network American Express
- Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel
- 5X Membership Rewards® Points on prepaid hotels booked on amextravel.com
- $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year in baggage fees and more at one select qualifying airline
- Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue on your Platinum Card®. That's up to $50 in statement credits semi-annually. Enrollment required
- $200 Hotel Credit: Get $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings, which requires a minimum two-night stay, through American Express Travel when you pay with your Platinum Card®
- VIP status and $200 Uber savings on rides or eats orders in the U.S. annually
- Complimentary Gold status in Marriott Bonvoy and Hilton Honors programs
- Complimentary membership in premium car rental programs
- $240 Digital Entertainment Credit: Get up to $20 back each month on eligible purchases made with your Platinum Card® on one or more of the following: Audible, Disney+, The Disney Bundle, ESPN+, Hulu, Peacock, SiriusXM, and The New York Times. Enrollment required.
- $179 CLEAR® Credit: Use your Card and get up to $179 back per year on your CLEAR® membership
- $300 Equinox Credit: Get up to $25 back each month on the Equinox+ digital fitness app, or eligible Equinox club memberships when you pay with your Platinum Card®. Enrollment required
- $155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership with a statement credit after you pay for Walmart+ each month with your Platinum Card. Cost includes $12.95 plus applicable local sales tax
- Terms Apply
- Regular Purchase APR: See Pay Over Time APR
- Cash Advance APR: 25.99% 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: See Rates & Fees
- Annual Fee: $695
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $40
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Join today!Divvy Credit Card
- Annual Fee None
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Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Excellent , Good , Fair
- Processing Network Visa
- 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
Browse these credit card deals and thousands of other offers by becoming a Bestcards Member.
Join today!American Express® Business Gold Card
- Regular Purchase APR 14.99% to 22.99% variable based on creditworthiness and the Prime Rate for Pay Over Time
- Annual Fee $295
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Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Excellent , Good
- Processing Network American Express
- Pick 2 categories for the 4X bonus
- 4X points made directly from select technology providers of computer hardware, software, and cloud solutions
- 4X points at gas stations
- 4X points at restaurants
- 4X points for shipping
- 4X points on advertising (online, TV, radio)
- Earn 1X points on other purchases
- Pay Over Time Option: A flexible payment option to help manage cash flow on purchases of $100 or more
- Regular Purchase APR: 14.99% to 22.99% variable based on creditworthiness and the Prime Rate for Pay Over Time
- Penalty APR: 29.24% variable based on the Prime Rate
- Annual Fee: $295
- Late Payment Penalty Fee: $39 or 2.99% of any past due Pay in Full amount, whichever is greater
- Return Payment Penalty Fee: $39
Browse these credit card deals and thousands of other offers by becoming a Bestcards Member.
Join today!American Express® Green Card
- Regular Purchase APR See Pay Over Time APR
- Cash Advance APR 25.99% variable based on the Prime Rate
- Annual Fee $150
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Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Excellent
- Processing Network American Express
- Earn 3X points on all eligible travel (flights, hotels, transit, taxis, tours, ridesharing)
- Earn 3X points at restaurants worldwide, including takeout and delivery
- Earn 1X points on all other purchases
- Receive up to $100 per year in statement credits to pay for your CLEAR® membership
- Earn up to $100 in statement credits per calendar year on your LoungeBuddy purchases
- Baggage insurance plan up to $1,250
- Regular Purchase APR: See Pay Over Time APR
- Cash Advance APR: 25.99% 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: $150
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $40
Browse these credit card deals and thousands of other offers by becoming a Bestcards Member.
Join today!The Business Platinum Card® from American Express
- Regular Purchase APR See Pay Over Time Feature
- Annual Fee $695
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Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Excellent
- Processing Network American Express
- Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com
- Get 50% more Membership Rewards® points. That's an extra half point per dollar, on each eligible purchase of $5,000 or more. You can get up to 1 million additional points per year
- Fine Hotels + Resorts Program grants an average total value of $550 in perks at over 1,100 properties, like daily breakfast for two, 4pm check-out, and more
- Enroll to get up to $200 in statement credits annually by getting up to $100 semi-annually for U.S. purchases with Dell
- Pay Over Time Option: A flexible payment option to help manage cash flow on purchases of $100 or more
- Regular Purchase APR: See Pay Over Time Feature
- Penalty APR: 29.49% 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
Browse these credit card deals and thousands of other offers by becoming a Bestcards Member.
Join today!You've viewed 10 of 8 credit cards
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:
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.
Chime Credit Builder Visa®
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Build Credit and Enjoy High APY Savings
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Monthly Reporting to all 3 Major Credit Bureaus
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No Hideen Fees
☆ No Annual Fee or Interest
☆ No minimum security deposit required
☆ Ideal for everyday purchases to help build credit
The Chime Credit Builder Visa® Secured Credit Card is a credit-builder product from Chime – a fintech that offers an assortment of financial products and services with no hidden fees. The card is also unique in that it is a charge card. Payments with the Chime Credit Builder Visa are made with the funds the user moves from their Chime savings account automatically, meaning users never have to worry about late fees or missed payments – their credit limit is their credit-builder account balance. This process means users can expect their FICO credit score to rise as much as 30 points, on average – opening up the opportunities for more lucrative rewards credit cards down the line.
Divvy Credit Card
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Ideal for companies that struggle with expense reports, reimbursements, receipts, and expensive annual service contracts
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Combines seamless expense management software with business cards so you never have to process another expense report
☆ No Annual Fee
☆ No Interest Rates
☆ No Contract, No Obligations
The Divvy Card is a corporate charge card for companies and business owners who want a corporate card’s flexibility along with the rewards of a traditional business rewards card. The Divvy Card operates a fast application process that requires only six steps and may result in a near-instant underwriting (depending upon the business’s cash supply and income). Divvy also operates several different underwriting forms – the company even boasts an internal underwriting team for new applicants. Traditional and cash underwriting are offered as well, making it easy for companies to find a bespoke credit line for their unique needs.
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.
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The Differences Between a Credit Card and a Charge Card
Do you know the difference between a charge card and a credit card? The BestCards team breaks down credit cards vs charge cards here: