Charge Cards

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

AMERICAN EXPRESS

The Preferred Rewards Gold Card

Annual Fee

Benefits and Rewards

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 500 airport lounges globally
AMERICAN EXPRESS

The Platinum Card®

Annual Fee

Benefits and Rewards

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


Business charge cards - Ordered by fee

AMERICAN EXPRESS

Gold Business Charge Card

Annual Fee

Benefits and Rewards

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
AMERICAN EXPRESS

Platinum Business Charge Card

Annual Fee

Benefits and Rewards

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

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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