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.
Low APR
Date Added
High APR
A-Z
Z-A
Best Benefits
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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
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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
Best Benefits
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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
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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
Best Benefits
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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
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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
Best Benefits
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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
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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
Best Benefits
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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
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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
