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What is a Charge Card?

You may be asking, “What is a charge card and how does it differ from credit card?” Learn about the benefits that charge cards offer and how they can benefit you. Explore BestCards.com’s detailed reviews and find your ideal card today.

American
  • Regular Purchase APR 15.74% to 23.74% variable based on creditworthiness and the Prime Rate
  • Annual Fee $295
  • Credit Needed Excellent , Good
  • Processing Network American Express
Best Benefits
  • 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 all other purchases
  • Earn 25% points back after booking flights using 'Pay with Points'
Rates & Fees
  •  Regular Purchase APR: 15.74% to 23.74% variable based on creditworthiness and the Prime Rate
  •  Penalty APR: 29.99% 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
  •  Credit Needed: Excellent , Good

American
  • Regular Purchase APR 16.74% to 23.74% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 26.74% variable based on the Prime Rate
  • Annual Fee $150
  • Credit Needed Excellent
  • Processing Network American Express
Best Benefits
  • Earn 3X points on travel (flights, hotels, transit, taxis, tours, ridesharing)
  • Earn 3X points at restaurants worldwide
  • 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
Rates & Fees
  •  Regular Purchase APR: 16.74% to 23.74% variable based on creditworthiness and the Prime Rate
  •  Cash Advance APR: 26.74% 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 $39
  •  Return Payment Penalty Fee: Up to $39
  •  Credit Needed: Excellent

The
  • Regular Purchase APR 19.74% variable based on the Prime Rate
  • Annual Fee $595
  • Credit Needed Excellent
  • Processing Network American Express
Best Benefits
  • Get 5X Membership Rewards® points on flights and prepaid hotels
  • Receive a $200 airline fee credit each calendar year
  • 1 year of Platinum Global Access from WeWork
  • Receive 50,000 Membership Rewards® points after spending $10,000 within 3 months
  • Receive extra 50,000 points spending an additional $15,000 within your first 3 months
  • Get 50% more points on purchases of $5,000 or more
  • Receive 35% points back when they’re used for flights
Rates & Fees
  •  Regular Purchase APR: 19.74% variable based on the Prime Rate
  •  Penalty APR: 29.99% variable, based on the Prime Rate, for Pay Over Time
  •  Annual Fee: $595
  •  Late Payment Penalty Fee: $39 or 2.99% of any past due Pay in Full amount, whichever is greater
  •  Return Payment Penalty Fee: $39
  •  Credit Needed: Excellent

The
  • Annual Fee $0 for the first year. After that, $250
  • Credit Needed Excellent
  • Processing Network American Express
Best Benefits
  • 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
Rates & Fees
  •  Annual Fee: $0 for the first year. After that, $250
  •  Late Payment Penalty Fee: $39 or 1.5% of the past due amount, whichever is greater
  •  Return Payment Penalty Fee: $39
  •  Credit Needed: Excellent

The
  • Cash Advance APR 26.74% variable based on the Prime Rate
  • Annual Fee $550
  • Credit Needed Excellent
  • Processing Network American Express
Best Benefits
  • 5X Membership Rewards® Points on flights booked directly with airlines or with American Express Travel
  • 5X Membership Rewards® Points on prepaid hotels through American Express Travel
  • Annual $200 statement credit on airline incidentals
  • Statement credit for Global Entry or TSA Precheck
  • Access to the American Express Global Lounge Collection
  • $200 Uber savings and VIP Status
  • Complimentary Gold status in Marriott Bonvoy and Hilton Honors programs
  • Complimentary membership in premium car rental programs
Rates & Fees
  •  Cash Advance APR: 26.74% variable based on the Prime Rate
  •  Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
  •  Annual Fee: $550
  •  Late Payment Penalty Fee: Up to $39
  •  Return Payment Penalty Fee: Up to $39
  •  Credit Needed: Excellent

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