Compare charge cards

Charge cards provide the convenience of paying by plastic, but without the worry of interest charges building up – as they require you to clear your balance in full every month. Because of this, unlike a credit card, there is often no preset spending limit so you can use your card to buy anything you want.

Charge Cards – Ordered by fee

    • Provider/Product name The Preferred Rewards Gold Card

      American Express

      The Preferred Rewards Gold Card

    • Annual Fee

      £140 - free for the first year

    • Benefits and Rewards

      Earn 20,000 bonus Membership Rewards points when you spend £2,000 in your first three months of Cardmembership. That's enough for a return flight from London to over 100 destinations, including Amsterdam, Ibiza, Oslo or Venice. Terms, taxes, fees and charges apply.

    • Go to site

    Great for
    Earn 20,000 bonus Membership Rewards points when you spend £2,000 in the first 3 months – redeem for a gift card worth £100
    Earn two Membership Rewards points for virtually every £1 spent directly with airlines
    Two complimentary lounge visits per year to use at over 350 airport lounges globally

    You will not be eligible for any welcome bonus award if you hold or have held any membership rewards enrolled American Express Card in the past six months.

    • Provider/Product name The Platinum Card®

      American Express

      The Platinum Card®

    • Annual Fee

      £450

    • Benefits and Rewards

      Receive 30,000 membership reward bonus points – that’s enough for two return flights from London to Barcelona, when you spend £2,000 in the first three months (Terms, taxes, fees and charges apply).

    • Go to site

    Great for
    Platinum Travel and Concierge Service
    Unlimited access to over 900 airport lounges

    You will not be eligible for any welcome bonus award if you hold or have held any membership rewards enrolled American Express Card in the past six months.

Business charge cards - Ordered by fee

    • Provider/Product name Gold Business Charge Card

      American Express

      Gold Business Charge Card

    • Annual Fee

      £125 - free for the first year

    • Benefits and Rewards

      20,000 Membership Rewards Points when you spend £3,000 in your first three months, enough for a return business class flight from London to selected European destinations.

    • Go to site

    Great for
    Up to 54 days interest free on purchases
    Earn points on business spend with no limit on how much you earn
    Supplementary cards for colleagues or employees at no additional charge
    But be aware that
    When completing the application, please note that the address required is the registered address of the business
    You/The business must have no County Court Judgements for non-payment of debt

    You will not be eligible for any welcome bonus award if you hold or have held any membership rewards enrolled American Express Card in the past six months.

  1. Great for
    Platinum Travel and Concierge Service
    Comprehensive Travel Insurance
    Up to 54 days interest free on purchases
    But be aware that
    You/The business must have no County Court Judgements for non-payment of debt

    You will not be eligible for any welcome bonus award if you hold or have held any membership rewards enrolled American Express Card in the past six months.

What are charge cards?

Charge cards offer one of the easiest ways to pay for goods and services. You hand over your card to pay for what you want, and then clear what you owe in full at the end of the month, so there is no interest to pay. 

American Express was the first company to offer plastic charge cards back in 1959, and remains one of the biggest providers of charge cards today, although some banks also issue them. 

There is often no spending limit with charge cards. However, you must be certain you can pay off your charge card in full every month, otherwise you risk having to pay late payment charges and fees, and your card may be cancelled.

Many charge cards have an annual fee, but in return for this they often offer a range of benefits, such as concierge services, or travel-related perks such as access to airport lounges. 

You can compare charge cards on MoneySupermarket to help you find the best deal to suit your needs. You can see at a glance how the various cards differ, and the benefits each of them offer, making it easy to decide which charge card is right for you.

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