The main difference between a regular credit card and a charge card is that you have to pay the balance in full. These types of cards don’t have interest fees and some don’t even have a preset credit limit.

Unfortunately, you generally have to have an excellent credit score to be approved.

Compare and choose the best charge card for you:

The Platinum Card from American Express

• 60,000 bonus points after spending $5,000 within the first 3 months
• No interest – because you pay your balance in full each month
• Free Uber Rides in the US (see terms)
• No Foreign Transaction Fees

Premier Rewards Gold from American Express

• 0% intro annual fee, then it’s $195
• No interest charges
• 50,000 bonus points after spending $2,000 within the first 3 months
• 3 points per dollar spent on airlines
• 2 points per dollar spent on US restaurants, gas stations or supermarkets
• 1 point per dollar spent on other purchases.

American Express Green Card

• 25,000 bonus points after you spend $1,000 within 3 months
• $0 intro annual fee, then it’s $95
• No interest charges
• 2 points per dollar spent on AmexTravel
• 1 point per dollar spent
• No pre-set spending limit

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