Best Charge Cards
WalletHub experts track 1,500+ offers to help you get the right charge card
A charge card is a type of credit card that requires the user to pay the bill in full each month. Charge cards usually have higher credit limits than normal credit cards, along with attractive rewards, because charge cards do not allow cardholders to carry a balance from month to month.... show more... show more
Best Charge Cards
Below, you can learn more about the most popular charge cards and apply for the best charge card for your needs.
FILTER CHARGE CARDS
We're sorry, but after searching our extensive database, we were unable to locate any credit cards that match the following criteria: {{tag.tag}}{{$last ? '' : ', '}}
- Solid rewards if you pay early
- No foreign fee
- High membership fees
- No initial rewards bonus
- Requires good/excellent credit
- Must be paid in full each month
- No membership fees
- High rewards rate
- 50,000 points initial rewards bonus
- No foreign fee
- Must be paid in full each month
- No membership fees
- No foreign fee
- No initial rewards bonus
- Requires excellent credit
- Must be paid in full each month
- High rewards rate
- Bonus rewards categories
- Qualify with fair credit
- One-time fees
- Spending caps on rewards
- Foreign fee
- Must be paid in full each month
- High rewards rate
- Bonus rewards categories
- Qualify with fair credit
- One-time fees
- Spending caps on rewards
- Foreign fee
- Must be paid in full each month
- High rewards rate
- Bonus rewards categories
- Qualify with fair credit
- High membership fees
- Spending caps on rewards
- Must be paid in full each month
Our picks
The best charge card is The Plum Card® from American Express because of its many rewards and perks. Although it has a $250 annual fee, Amex Plum offers 1.5% off the amount of any bill payment made within 10 days of your monthly due date. Furthermore, the Plum Amex gives you a bit more leeway than most charge cards, allowing you up to 60 days to pay your bill in full.
Most of the best charge cards have annual fees, and they all offer rewards. Charge cards tend to have sizable initial bonuses, high ongoing rewards-earning rates and a variety of other benefits. The best charge cards usually require good credit or excellent credit for approval.
All in all, the best charge cards can be well worth the cost when in the right hands. Your job, after comparing charge cards and identifying the best offer for your needs, should be to confirm that its rewards and other perks will provide enough value to cover the cost of its annual fee. You should also double-check that you’re not overlooking a normal rewards credit card that would actually allow you to save more money. To get you started, WalletHub’s editors compared their picks for the best charge cards below.
Best Charge Cards Comparison
Charge Card | Best For | Annual Fee |
The Plum Card® from American Express | Early-Pay Discount | $250 |
Brex Corporate Card for Startups | Business Rewards | $0 |
Centurion® Card from American Express | VIPs | $5000 |
Sunoco Gas Card | Gas Rewards | $0 |
Before applying for a card, you should also make sure to check your latest credit score, which you can do for free on WalletHub. This will give you a sense of your approval odds. Our editors’ picks for the best charge cards all require at least good credit for approval.
How we picked the best charge cards
To identify the best charge cards, WalletHub’s editors regularly evaluate more than 1,500 credit card offers and select those that can be described as traditional charge cards, meaning that cardholders must pay the balance in full each month. We then compare the resulting list of charge cards based on their initial bonuses, ongoing rewards, annual fees, approval requirements and special features. This enables us to determine which charge cards are likely to save different types of cardholders the most money, which leads to our list of the best charge cards by category.
Sources
WalletHub actively maintains a database of 1,500+ credit card offers, from which we select the best charge cards for different applicants as well as derive market-wide takeaways and trends. The underlying data is compiled from credit card company websites or provided directly by the credit card issuers. We also leverage data from the Bureau of Labor Statistics to develop cardholder profiles, used to estimate cards’ potential savings.
People Also Search For
Comparing can be tough. But you’ve got the knowledgeable WalletHub community on your side. We encourage everyone to share their knowledge while respecting our content guidelines. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not the financial institution’s responsibility to ensure all posts and questions are answered. WalletHub independently collected information for some of the cards on this page.show more
show less
Searching for answers... No Matching Results
Featured Credit Cards
Expert Opinions
- What types of people should consider getting a charge card?
- Do you think charge cards are effective at promoting disciplined spending and payment habits among users?
- Do you think a charge card is inherently less valuable than a normal credit card given the lack of financing functionality?
- Does a charge card need to offer better rewards and charge lower fees to compete with standard rewards credit cards?
- Why don't more credit card companies offer charge cards?
Important Disclosures
We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. Actual terms may vary. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
† Approval Odds are WalletHub estimates intended to gauge your likelihood of approval for a particular product. Approval Odds are based on WalletHub data and are not provided or endorsed by the lender. Approval Odds are not meant to imply or guarantee that you will be approved by the lender or that credit will be extended. WalletHub may share your information with third-parties in order to show personalized offers, as well as enable you to interact more easily with pre-fill forms or applications. You can opt-out of sharing your personal info here.
Ad Disclosure Certain offers that appear on this site originate from paying advertisers, and this will be noted on an offer’s details page using the designation "Sponsored", where applicable. Advertising may impact how and where products appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.
Editorial and user-generated content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by any issuer.
Your web browser (Internet Explorer) is out of date and no longer supported.
Please download one of these up-to-date, free and excellent browsers: