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Divvy Credit Card
Spend Management and Business Cards Made Simple
- 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
+ 0.8% cash back
+ 2.4% cash back
+ 2% cash back
+ 4% cash back
+ 0.8% cash back
+ 2.4% cash back
+ 2.4% cash back
+ 0.8% cash back
+ 1.2% cash back
+ 0.8% cash back
Ink Business Premier Credit Card
Earn $1,000 Bonus Cash Back
- Regular Purchase APR 18.49% to 26.49% variable based on creditworthiness
- Annual Fee $195
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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 Visa
- 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: 18.49% to 26.49% variable based on creditworthiness
- Annual Fee: $195
- Late Payment Penalty Fee: $40 or 2% of the Minimum Payment Due, whichever is greater
+ 2.4% cash back
+ 0.8% cash back
+ 2.4% cash back
+ 1.2% cash back
+ 4% cash back
+ 2% cash back
+ 0.8% cash back
+ 2.4% cash back
+ 0.8% cash back
+ 0.8% cash back
The Plum Card® from American Express
1.5% Early Pay Discount
- 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
- 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
+ 2.4% cash back
+ 0.8% cash back
+ 2% cash back
+ 4% cash back
+ 0.8% cash back
+ 2.4% cash back
+ 1.2% cash back
+ 0.8% cash back
+ 0.8% cash back
+ 2.4% cash back
American Express Platinum Card® for Schwab
Earn 100,000 Membership Rewards® Points
- Regular Purchase APR See Pay Over Time APR
- Cash Advance APR 28.99% 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
- $100 Card statement credit if your qualifying Schwab holdings are equal to or greater than $250,000
- $200 Card statement credit if your qualifying Schwab holdings are equal to or greater than $1,000,000
- 5X points on bookings through Amextravel.com
- Regular Purchase APR: See Pay Over Time APR
- Cash Advance APR: 28.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greate
- Annual Fee: $695
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $40
+ 2.4% cash back
+ 0.8% cash back
+ 4% cash back
+ 0.8% cash back
+ 2.4% cash back
+ 0.8% cash back
+ 0.8% cash back
+ 1.2% cash back
+ 2.4% cash back
+ 2% cash back
The Platinum Card® from American Express
Get Over $1,500 in Platinum Value (Terms Apply)
- Regular Purchase APR See Pay Over Time APR
- Cash Advance APR 29.49% variable based on the Prime Rate
- Annual Fee $695
-
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: 29.49% 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: See Rates & Fees
- Annual Fee: $695
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $40
+ 0.8% cash back
+ 2.4% cash back
+ 0.8% cash back
+ 1.2% cash back
+ 4% cash back
+ 0.8% cash back
+ 0.8% cash back
+ 2% cash back
+ 2.4% cash back
+ 2.4% cash back
The Business Platinum Card® from American Express
Earn 150,000 Membership Rewards® Points
- Regular Purchase APR See Terms
- Annual Fee $695
-
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
- Welcome Offer: Earn 150,000 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
+ 4% cash back
+ 1.2% cash back
+ 0.8% cash back
+ 0.8% cash back
+ 2.4% cash back
+ 0.8% cash back
+ 2.4% cash back
+ 2.4% cash back
+ 0.8% cash back
+ 2% cash back
Brex Mastercard® Corporate Credit Card
No Personal Guarantee Required
- Annual Fee None
-
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
+ 2.4% cash back
+ 2% cash back
+ 2.4% cash back
+ 0.8% cash back
+ 0.8% cash back
+ 1.2% cash back
+ 4% cash back
+ 2.4% cash back
+ 0.8% cash back
+ 0.8% cash back
American Express® Business Gold Card
Earn 100,000 Bonus Membership Rewards Points
- Regular Purchase APR 18.49% to 26.49% variable based on creditworthiness and the Prime Rate for Pay Over Time
- Annual Fee $295
-
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: 18.49% to 26.49% variable based on creditworthiness and the Prime Rate for Pay Over Time
- 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
+ 0.8% cash back
+ 2.4% cash back
+ 2% cash back
+ 0.8% cash back
+ 0.8% cash back
+ 1.2% cash back
+ 4% cash back
+ 2.4% cash back
+ 0.8% cash back
+ 2.4% cash back
American Express® Green Card
Earn 45,000 Membership Rewards Points
- Regular Purchase APR See Pay Over Time APR
- Cash Advance APR 29.49% variable based on the Prime Rate
- Annual Fee $150
-
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 30,000 Membership Rewards® points after you spend $2,000 on purchases on your new Card in your first 3 months.
- Earn 3X Membership Rewards® Points on Restaurants worldwide, including takeout and delivery.
- Earn 3X Membership Rewards® points on all eligible travel, from subway swipes and window seats to hotel stays and city tours.
- Earn up to $189 in annual statement credits to help you get through security faster with CLEAR®.
- Earn up to $100 in annual statement credits to access 750+ airport lounges globally through LoungeBuddy.
- No Foreign Transaction Fees.
- $150 Annual Fee.
- Terms Apply.
- Regular Purchase APR: See Pay Over Time APR
- Cash Advance APR: 29.49% 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: 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
+ 0.8% cash back
+ 0.8% cash back
+ 2% cash back
+ 4% cash back
+ 0.8% cash back
+ 2.4% cash back
+ 2.4% cash back
+ 0.8% cash back
+ 1.2% cash back
+ 2.4% cash back
The Platinum Card® from American Express Exclusively for Morgan Stanley
Earn Up to 125,000 Membership Rewards® Points
- Regular Purchase APR See Pay Over Time APR
- Cash Advance APR 29.49% variable based on the Prime Rate
- Annual Fee $695
-
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. Starting January 1, 2021, earn 5X points on up to $500,000 on these purchases per calendar year
- 5X Membership Rewards® Points on prepaid hotels booked on amextravel.com
- $200 Airline Fee Credit, up to $200 in statement credits per calendar year in baggage fees and more when you select one 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
- Access to the American Express Global Lounge Collection
- VIP status and $200 Uber savings on rides or eats orders in the US annually
- Complimentary Gold status in Marriott Bonvoy and Hilton Honors programs
- Complimentary membership in premium car rental programs
- $240 Digital Entertainment statement credit
- $175 CLEAR statement credit
- $300 Equinox Statement credit
- Regular Purchase APR: See Pay Over Time APR
- Cash Advance APR: 29.49% 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: See Rates & Fees
- Annual Fee: $695
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $40
+ 0.8% cash back
+ 1.2% cash back
+ 2.4% cash back
+ 2.4% cash back
+ 4% cash back
+ 0.8% cash back
+ 2% cash back
+ 0.8% cash back
+ 0.8% cash back
+ 2.4% cash back
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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:
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.
Related Content
Get Up to $1,000 with Divvy’s “Spend on Us” Promotion
Divvy’s “Spend on Us” promotion allows customers to earn up to $1,000 just for using their card. Find out all the details here.
Amex Plan It® Launches for AmexTravel.com
American Express is extending its Plan It program to travel booked through AmexTravel.com. Here’s what you need to know.
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: