The 3 Best Charge Cards

Our favorite cards from our partners and the marketplace.
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All of best charge cards provide cardholders with great benefits and quality rewards. Because charge cards require the balance to be paid in full each month, cardholders won’t typically be subject to interest payments. However, the majority of top charge cards charge an annual membership fee, though some waive this fee for the first year. The best charge cards will offer a great set of benefits and multiple opportunities to earn bonus rewards. For those that need access to credit but don’t want to pay interest, choosing one of the best charge cards can be a great solution.

The American Express® Premier Rewards Gold Card is an excellent points reward card that tops the list of best charge cards. With triple points on airfare, double points on gasoline at U.S. stand-alone gas stations, double points at U.S. stand-alone supermarkets, and single points on other purchases, interested cardholders will be hard-pressed to find a more generous charge card. The Premier Rewards card also offers a highly competitive sign-up bonus, as new cardholders will be able to earn 25,000 Membership Rewards points after spending $2,000 during the first three months of card membership. An additional 15,000 points can be earned after spending $30,000 within one calendar year. Like most charge cards, the American Express® Premier Rewards card does charge an annual fee ($0 introductory annual fee for the first year, then $175). For those that travel internationally, another drawback of the card is the 2.7% foreign currency transaction fee. However, with all the opportunities for multiple points on everyday purchases, the solid bonus rewards, and a variety of other benefits, those looking for a charge card will not be disappointed by the American Express® Premier Rewards Gold Card.

The Platinum Card® from American Express is a quality card with unique benefits and deserving of a place on the list of best charge cards. With access to over 600 lounges worldwide after enrolling in Priority PassTM Select, no foreign transaction fees, and the ability to bypass airport arrival lines with Global Entry, the Platinum Card® will be especially appealing to those that travel often. In addition, cardholder can receive up to $200 annually in a statement credit with the airline of choice to use towards baggage fees, flight-change fees, in-flight food and beverage purchases, and more. Cardholders will also get access to exclusive upgrades and amenities at over 700 boutiques, resorts, and luxury hotels worldwide. An additional perk of the card is the 24/7 Platinum Card® Concierge service, which provides assistance with reservations, travel, gifts, and more. After spending $2,000 during the first three months of card membership, new cardholders will be rewarded with a sign-up bonus of 25,000 Membership Rewards® points. One potential drawback of the card is the $450 annual fee, but to most cardholders, the unique benefits of the card are well worth the cost.

The American Express® Gold Card offers competitive benefits and rounds off the list of best charge cards. With features like Extended Warranty and Return Protection, the Gold Card allows shoppers to make purchases with confidence. For those that travel, the card also includes a Baggage Insurance Plan, and provides discounts and low rates at hotels and resorts, plus a $75 hotel credit when booking through Gold Hotel Collection. In addition, the points that are earned with the Gold Card can be transferred to 17 frequent flier programs and five frequent guest programs. Points can also be redeemed for gift cards for dining, entertainment, and to shop at over 300 of the top merchants. The card does have an annual fee of $125, though the first year has a $0 introductory rate. The card does lack some of the opportunities for bonus points found with other charge cards, but there is still a lot of good to say about the card.

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