WalletHub experts track 1,500+ offers to help you get the right charge card
By John Kiernan, Credit Card Editor on Jan 17, 2024
Fact Checked: Alina Comoreanu, Sr. Researcher Jan 17, 2024
Sort: Featured
“Featured” means the products are ranked based on advertiser status
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 The best charge cards offer a big initial rewards bonus, give up to 5 points per $1 spent on purchases, and can charge $0 in annual fees (some cards are from WalletHub partners).... show more
As long as you understand how charge cards work, applying for one of the following offers could be a great way to enjoy the convenience and rewards of a credit card without the risk of racking up too much debt. Just consider each card’srewardsin terms of your own spending habits to ensure you get the best charge card deal.
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WalletHub’s credit card experts are committed to helping users find the best credit cards for their needs, above all else. That’s why we use a data-driven approach to compare more than 1,500 credit card offers across the website, removing subjectivity from the equation, and it’s why we have developed the most robust credit card rating system and abide by a strong editorial policy.
1,500+ credit cards tracked site-wide
100-point proprietary rating system
75,000+ data points tracked site-wide
100% editorial independence
15 years of experience
We tell you about cards other sites won’t
Best Charge Cards
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Terms ApplyEarly-Pay Discount:The Plum Card® from American Express
The Plum Card® from American Express
Learn MoreLearn Moreon issuer's website - Business Rewards:
Brex Corporate Card for Startups
Brex Corporate Card for Startups
Learn MoreLearn Moreon issuer's website - VIPs:
Centurion® Card from American Express
Centurion® Card from American Express
Learn MoreLearn More - Gas Rewards:
Sunoco Gas Card
Sunoco Gas Card
Learn MoreLearn More
- Early-Pay Discount:
The Plum Card® from American Express
- Business Rewards:
Brex Corporate Card for Startups
- VIPs:
Centurion® Card from American Express
- Gas Rewards:
Sunoco Gas Card
Below, you can learn more about the most popular charge cards and apply for the best charge card for your needs.
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Updating Cards
The Plum Card® from American Express
175 User Reviews
Terms Apply|
2.5 WalletHub Rating
Charge Card
→
Balance must be paid in full each month
Regular Rate
→
Not Applicable
Annual Fee
$250
Rewards Rate
1.5% Cash Back
Bonus Offer
None
Bonus Offer
None
Minimum Credit
Good
Terms Apply Apply Now
WalletHub's Take: The Plum Card® from American Express is a unique business card in several respects. For starters, Amex Plum is a charge card but not one that forces you to pay your bill in full every month. As long as cardholders pay the minimum due on time, they get extra days to bring their balance to zero without having to pay any interest. The American Express Plum card also is unique in that it rewards cardholders for paying off their balances early, rather than for making purchases. Amex Plum gives a discount of 1.5% on balances paid before the due date.
Read our editor's full Plum Card review.
Pros
- Solid rewards if you pay early
- No foreign fee
Cons
- High membership fees
- No initial rewards bonus
- Requires good/excellent credit
- Must be paid in full each month
Brex Corporate Card for Startups
33 User Reviews
2.9 WalletHub Rating
Charge Card
→
Balance must be paid in full each month
Regular Rate
→
Not Applicable
Annual Fee
$0
Rewards Rate
1 - 7 points / $1
Bonus Offer
50,000 points
Bonus Offer
50,000 points
Minimum Credit
Limited History
Apply Now
WalletHub's Take: The Brex Corporate Card for Startups is a business credit card with no personal guarantee for companies that have at least $100,000 in the bank. It has a $0 annual fee, a 0% foreign transaction fee and plenty of rewards. Those rewards include an initial bonus of up to 50,000 points, as well as ongoing earning rates of 1 - 7 points per $1, depending on the purchase category. Cardholders even have the option of earning special work-from-home rewards.
Read our editor's full Brex Credit Card review.
Pros
- No membership fees
- High rewards rate
- 50,000 points initial rewards bonus
- No foreign fee
Cons
- Must be paid in full each month
U.S. Bank Commercial Rewards Card
1.6 WalletHub Rating
Charge Card
→
Balance must be paid in full each month
Regular Rate
→
N/A
Annual Fee
$0
Rewards Rate
1% Cash Back
Bonus Offer
None
Bonus Offer
None
Minimum Credit
Good
Apply Now
WalletHub's Take
Pros
- No membership fees
Cons
- No initial rewards bonus
- Requires good/excellent credit
- Must be paid in full each month
Read our editor's full U.S. Bank Commercial Rewards Card review.
Stripe Corporate Card
2 User Reviews
2.9 WalletHub Rating
Charge Card
→
Balance must be paid in full each month
Regular Rate
→
Not Applicable
Annual Fee
$0
Rewards Rate
1.5% Cash Back
Bonus Offer
None
Bonus Offer
None
Minimum Credit
Excellent
WalletHub's Take
Pros
- No membership fees
- No foreign fee
Cons
- No initial rewards bonus
- Requires excellent credit
- Must be paid in full each month
Read our editor's full Stripe Corporate Card review.
Tomo Credit Card
6 User Reviews
Charge Card
→
Balance must be paid in full each month
Regular Rate
→
Not Applicable
Annual Fee
$0
Rewards Rate
None
Minimum Credit
Limited History
WalletHub's Take
Pros
- No membership fees
- No foreign fee
- Qualify with limited or no credit history
- Does not require security deposit
Cons
- Must be paid in full each month
- No rewards bonus
Read our editor's full Tomo Credit Card review.
Sunoco Gas Card
250 User Reviews
3.7 WalletHub Rating
Charge Card
→
Balance must be paid in full each month
Regular Rate
→
See Terms
Annual Fee
See Terms
Rewards Rate
1 - 6 ¢ / gallon
Bonus Offer
None
Bonus Offer
None
Minimum Credit
Fair
WalletHub's Take
Pros
- No membership fees
- High rewards rate
- Bonus rewards categories
- Qualify with fair credit
Cons
- Spending caps on rewards
- Foreign fee
- Must be paid in full each month
Read our editor's full Sunoco Gas Card review.
Conoco Fleet Universal Card
249 User Reviews
1.8 WalletHub Rating
Charge Card
→
Balance must be paid in full each month
Regular Rate
→
See Terms
Annual Fee
See Terms
Rewards Rate
0 - 7 ¢ / gallon
Bonus Offer
None
Bonus Offer
None
Minimum Credit
Fair
WalletHub's Take
Pros
- High rewards rate
- Bonus rewards categories
- No membership fees first year
- Qualify with fair credit
Cons
- High membership fees in the second year
- Spending caps on rewards
- Foreign fee
- Must be paid in full each month
Read our editor's full Conoco Fleet Universal Card review.
NO FOREIGN FEE
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NO FOREIGN FEE
WalletHub independently collected information for some of the cards on this page.
WalletHub independently collected information for some of the cards on this page.
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.
