{"id":215962,"date":"2019-07-14T11:56:33","date_gmt":"2019-07-14T10:56:33","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?page_id=215962"},"modified":"2026-01-29T02:52:58","modified_gmt":"2026-01-29T02:52:58","slug":"charge-cards","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/credit-cards\/charge-cards","title":{"rendered":"Compare charge cards"},"content":{"rendered":"<article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block has-padding-small\"><p>Approval for any credit card depends on your status. The representative APRs shown represent the interest rate offered to most successful applicants. Depending on your personal circumstances, the APR you're offered may be higher, or you may not be offered credit at all. Fees and rates are subject to change without notice. It's always wise to check the terms of any deal before you borrow. Most of the data in Finder's comparison tables is provided by Defaqto.<\/p><\/div><\/article><h3 id=\"learn\">Overview<\/h3><p>You don\u2019t see charge cards much anymore. Today, one of the only major providers still offering them is <a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/american-express\">American Express<\/a>, while other issuers stick to credit cards. But charge cards haven\u2019t died off yet. In fact, there are still a few excellent ones out there.<\/p><p>The benefits of charge cards include flexibility over payments (purchases at the start of the billing cycle are paid for at the end of the billing cycle) and in some cases, rewards on your spending. Charge cards normally come with a monthly or annual fee attached, though don\u2019t offer <a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/what-happens-when-you-get-a-credit-card-refund\">purchase protection<\/a> under section 75 of the Consumer Credit Act.<\/p><div class=\"fin-video fin-video--horizontal\" data-player-type=\"youtube\" data-video-id=\"XLuL5kdk748\" style=\"\">\n    <div class=\"fin-video__container\">\n                    <img decoding=\"async\" class=\"fin-video__thumbnail\" src=\"https:\/\/img.youtube.com\/vi\/XLuL5kdk748\/maxresdefault.jpg\" data-fallback-sd=\"https:\/\/img.youtube.com\/vi\/XLuL5kdk748\/sddefault.jpg\" data-fallback-hq=\"https:\/\/img.youtube.com\/vi\/XLuL5kdk748\/hqdefault.jpg\" alt=\"\" loading=\"lazy\">\n                            <div class=\"fin-video__duration\">1:02<\/div>\n                        <div class=\"fin-video__play-btn\" role=\"button\" aria-label=\"Play video\"><\/div>\n                <iframe allow=\"autoplay\" class=\"fin-video__player\" id=\"ytPlayer-XLuL5kdk748\" title=\"Video player\"><\/iframe>\n    <\/div>\n        <\/div>\n<h3>How do charge cards work?<\/h3><p>Charge cards have no set spending limit and require you to pay your full balance off by the statement due date, which is usually the end of the month. This is different to credit cards, where you only have to repay a small portion, usually about 2\u20134% of the entire balance each month. As such, a charge card is not a revolving line of credit and does not come with an interest rate. Instead, you\u2019ll be charged a late fee if you fail to make the full repayment on time. The structure and payment requirements of charge cards also means they tend to have higher <a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/credit-builder-credit-cards\/credit-card-minimum-income-requirements-for-application\">minimum income<\/a> and credit history requirements than most credit cards.<\/p><p>Charge cards often come with a range of benefits such as membership rewards, travel insurance, airport lounge access and concierge services. They also usually have high annual fees and are targeted towards high-income businesses. For example, the American Express\u00ae Business Platinum Card costs \u00a3650 per annum per year.<\/p><h3>Charge cards vs credit cards<\/h3><table class=\"luna-table\"><thead class=\"luna-table__header\"><tr><th scope=\"col\"><\/th><th scope=\"col\">Charge cards<\/th><th scope=\"col\">Credit cards<\/th><\/tr><\/thead><tbody class=\"luna-table__body\"><tr><th scope=\"row\">Interest rate<\/th><td>No interest rate but a late fee penalty applies if the balance is not paid in full.<\/td><td>Interest fees apply for purchases and cash advances.<\/td><\/tr><tr><th scope=\"row\">Credit limit<\/th><td>Unspecified credit limit.<\/td><td>Fixed credit limit.<\/td><\/tr><tr><th scope=\"row\">Card fees<\/th><td>Annual fees for card usage and penalty fees when a payment is late. Cash advance, ATM and international transaction fees may also apply.<\/td><td>Annual fees are sometimes waived, but other fees such as ATM, cash advance and international transaction charges may apply.<\/td><\/tr><tr><th scope=\"row\">Eligibility requirement<\/th><td>Strict income and high credit rating requirements.<\/td><td>Varying income and credit rating requirements.<\/td><\/tr><tr><th scope=\"row\">Credit\/loan facility<\/th><td>Charge cards are suitable for spending in the short term but are not loan facilities.<\/td><td>Credit cards support loan consolidation and allow you to spread repayments over an extended period.<\/td><\/tr><\/tbody><\/table><h3>What types of charge cards are out there?<\/h3><ul class=\"list-10\"><li><strong>Rewards charge cards.<\/strong> If you want to get something back for using your charge card, a rewards charge card could be right for you. As well as earning reward points for every pound you spend on eligible purchases, these cards offer other perks such as airport lounge access, complimentary insurance and concierge services. Please note these premium features often come at the cost of a high annual fee.<\/li><li><strong>Gold and platinum charge cards.<\/strong> Gold and platinum charge cards are designed to suit big spenders looking for premium perks. Depending on the card, you could get luxury rewards including fine dining, 5-star hotels and elite travel benefits. You\u2019ll also receive higher protection in the form of high complimentary insurance covers and platinum concierge services. These cards usually come with higher fees and are best suited to high income earners.<\/li><li><strong>Business and corporate charge cards.<\/strong> The type of card you choose should largely depend on the type of business you own. <a href=\"https:\/\/www.finder.com\/uk\/business-credit-cards\/business-charge-cards\">Business charge cards<\/a> cater for small businesses whereas corporate charge cards cater for larger corporations. Similar to personal charge cards, business charge cards also come with rewards programmes, travel insurance and concierge access. Corporate charge cards may include features for tracking company and travel expenses, while also offering a degree of flexibility and control over those expenses.<\/li><\/ul><h3>How to compare charge cards<\/h3><p>Make sure you consider the following factors when comparing charge cards to find the right option for you.<\/p><ul class=\"list-10\"><li><strong>Annual\/monthly fee.<\/strong> This is an ongoing fee for maintaining your account. If the fee for this type of card is very high, make sure it\u2019s offset by rewards and perks you\u2019ll really benefit from. For instance, if you rarely travel, it probably wouldn\u2019t be worthwhile paying a high annual fee for a charge card offering premium travel advantages like airport lounge access and comprehensive travel insurance.<\/li><li><strong>Rewards.<\/strong> A card with a good rewards programme and high points earning potential can be a great way for you to profit from your expenses. Rewards programmes vary from card to card, so it\u2019s important to make sure the card you choose allows you to earn and redeem rewards you want, such as gift cards, frequent flyer points and hotel stays. Try to estimate how much you\u2019ll spend on the card each month, to ensure the benefits of the card outweigh the costs.<\/li><li><strong>Minimum income requirements.<\/strong> The minimum income requirement varies between charge cards, with premium cards requiring a higher annual income than others. Check income requirements for charge cards you\u2019re considering to find one suited to your current income level.<\/li><li><strong>International transaction fee.<\/strong> This is the fee applied to any international transactions made on your charge card, whether you\u2019re shopping online or overseas.<\/li><li><strong>Billing period.<\/strong> This will determine when you have to pay off your charge card balance. Make sure you check the terms and conditions for your card so you can spend and budget accordingly.<\/li><\/ul><h3>How to apply for a charge card<\/h3><p>Applying for a charge card is simple and can be done online in a few minutes. The eligibility requirements vary from card to card, but some of the general criteria include:<\/p><ul class=\"list-1\"><li><strong>Age.<\/strong> The age requirement is generally at least 18 years old.<\/li><li><strong>Residency.<\/strong> You\u2019ll need to be a UK resident.<\/li><li><strong>Annual income.<\/strong> Different cards will require different income levels.<\/li><li><strong>Credit history.<\/strong> Most charge cards require you to have a high credit rating and no history of bad debt or payment defaults.<\/li><\/ul><p>If you\u2019re applying for a business charge card, there might be some additional criteria. Such as:<\/p><ul class=\"list-1\"><li><strong>Annual turnover<\/strong> The provider tends to want to see recent accounts.<\/li><li><strong>Location.<\/strong> In most cases, you\u2019ll need to be a UK-based business.<\/li><li><strong>Years trading.<\/strong> Some providers have a required years trading.<\/li><\/ul><h3>Charge card disadvantages<\/h3><p>Remember that the full balance on your charge card needs to be cleared every month, and you won\u2019t have <a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/what-happens-when-you-get-a-credit-card-refund\">purchase protection<\/a> under section 75 of the Consumer Credit Act. With an <span>unspecified<\/span> spending limit, you could easily overspend on a charge card and find yourself unable to repay your balance. This could lead to late fees, additional charges and even impact your credit history.<\/p><p>If you\u2019re looking to borrow over an extended period of time, you may wish to consider a <a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/0-purchase-credit-cards\">0% purchase credit card<\/a> instead.<\/p><h3>Frequently asked questions<\/h3><ul class=\"luna-accordionGroup accordionGroup\"><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000000\" data-toggle=\"collapse\" data-target=\"#accordion0000000000\">\n        <span class=\"luna-accordion__title\">How much can I actually charge to a charge card?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000000\" data-accordion=\"details\">\n    <div class=\"accordionContent\">People have been known to pay for yachts and supercars on their charge cards. However, charge cards are not always limitless and purchases are approved or disapproved based on factors such as established spending patterns, credit ratings, repayment history and declared financial resources. As you establish a relationship with your charge card provider, the amount chargeable to your card should increase.<\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000001\" data-toggle=\"collapse\" data-target=\"#accordion0000000001\">\n        <span class=\"luna-accordion__title\">Can I get supplementary charge cards for my family or employees?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000001\" data-accordion=\"details\">\n    <div class=\"accordionContent\">This is usually possible as long as the nominated individual satisfies the card provider\u2019s requirements. You, as the main cardholder, will be completely liable for all supplementary card spending.<\/div>\n  <\/div>\n<\/li><\/ul><div id=\"sources\" style=\"position: relative;\"><h3 style=\"position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; border: 0;\">Sources<\/h3>\n<div id=\"lazy0000000000\"><\/div>\n<script type=\"application\/json\" id=\"lazyloaded-assets-json-lazy0000000000\" class=\"lazyloaded-assets-json\">{\"critical-scripts\":[],\"scripts\":[\"https:\\\/\\\/www.finder.com\\\/parent-theme\\\/shortcodes\\\/article-source\\\/prod\\\/article-source.de087a0da9824e407767.js\"],\"styles\":[\"https:\\\/\\\/www.finder.com\\\/parent-theme\\\/shortcodes\\\/article-source\\\/prod\\\/article-source.87684078d471e76125dd.css\"]}<\/script><\/div><article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block has-padding-small\">We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms \"best\", \"top\", \"cheap\" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our <a href=\"https:\/\/www.finder.com\/uk\/terms-of-use\" class=\"fin-text-navy\">terms of use<\/a>. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you. Most of the data in Finder's comparison tables is provided by Defaqto. In other cases, Finder has sourced data directly from providers.<\/div><\/article>","protected":false},"excerpt":{"rendered":"<p>Learn how this type of card varies from traditional credit cards plus why you might want to consider one.<\/p>\n","protected":false},"author":195,"featured_media":215966,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_yoast_wpseo_focuskw":"Compare charge cards","_yoast_wpseo_title":"Best charge cards for [date format=\"Y\"] | Finder UK","_yoast_wpseo_metadesc":"What is a charge card? Learn how this type of card varies from the typical credit card and why you might want to use one. Compare live rates, fees and rewards from a range of charge cards.","_yoast_wpseo_meta-robots-noindex":"","_yoast_wpseo_meta-robots-nofollow":"","_yoast_wpseo_canonical":"","_yoast_wpseo_opengraph-title":"","_yoast_wpseo_opengraph-description":"","_yoast_wpseo_opengraph-image":"","_yoast_wpseo_opengraph-image-id":"","_yoast_wpseo_twitter-title":"","_yoast_wpseo_twitter-description":"","_yoast_wpseo_twitter-image":"","_yoast_wpseo_twitter-image-id":"","apple_news_api_created_at":"","apple_news_api_id":"","apple_news_api_modified_at":"","apple_news_api_revision":"","apple_news_api_share_url":"","apple_news_cover_media_provider":"image","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_cover_video_id":0,"apple_news_cover_video_url":"","apple_news_cover_embedwebvideo_url":"","apple_news_is_hidden":"","apple_news_is_paid":"","apple_news_is_preview":"","apple_news_is_sponsored":"","apple_news_maturity_rating":"","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"","apple_news_slug":"","apple_news_sections":[],"apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"post_is_fact_checked":"false","post_co_author":"-1","post_co_author_date":null,"post_co_author_manual_date_checked":null,"post_reviewer":"-1","post_reviewer_date":"","post_reviewer_manual_date_checked":null,"post_editor":"-1","post_editor_date":null,"post_author_date":"","post_author_manual_date_checked":"false","_last_updated_date_data":"{\"is_updated_date_published\":true,\"last_updated_date\":\"2024-01-03 09:07:20\",\"timezone_offset\":\" +00:00\",\"last_update_summary\":\"We updated several sections of this guide.\"}","feature_finder_bot_teaser_enabled":false,"feature_finder_bot_teaser_message":"","feature_finder_bot_teaser_placeholder":"","feature_finder_bot_teaser_suggestions":"","footnotes":""},"categories":[2112],"tags":[2562],"asset_tag":[],"class_list":["post-215962","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-cards","tag-finance-homepage-news"],"apple_news_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.6 (Yoast SEO v27.6) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Best charge cards for 2026 | Finder UK<\/title>\n<meta name=\"description\" content=\"What is a charge card? 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Compare live rates, fees and rewards from a range of charge cards.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.finder.com\/uk\/credit-cards\/charge-cards\" \/>\n<meta property=\"og:site_name\" content=\"Finder UK\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/findercomuk\" \/>\n<meta property=\"article:published_time\" content=\"2019-07-14T10:56:33+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/3\/2019\/07\/charge_cards_250x250.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"250\" \/>\n\t<meta property=\"og:image:height\" content=\"250\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Chris Lilly\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@https:\/\/twitter.com\/ChrisLillyCL\" \/>\n<meta name=\"twitter:site\" content=\"@findercomUK\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Chris Lilly\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"6 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.finder.com\\\/uk\\\/credit-cards\\\/charge-cards#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.finder.com\\\/uk\\\/credit-cards\\\/charge-cards\"},\"author\":{\"name\":\"Chris Lilly\",\"@id\":\"https:\\\/\\\/www.finder.com\\\/uk\\\/#\\\/schema\\\/person\\\/2bcd9231d1c1e8ed47cffe934574b9ad\"},\"headline\":\"Compare charge cards\",\"datePublished\":\"2019-07-14T10:56:33+00:00\",\"dateModified\":\"2024-01-03T09:07:20+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.finder.com\\\/uk\\\/credit-cards\\\/charge-cards\"},\"wordCount\":1404,\"publisher\":{\"@id\":\"https:\\\/\\\/www.finder.com\\\/uk\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.finder.com\\\/uk\\\/credit-cards\\\/charge-cards#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/cdn.finder.com.au\\\/finder-us\\\/wp-uploads\\\/sites\\\/3\\\/2019\\\/07\\\/charge_cards_250x250.jpg\",\"articleSection\":[\"Credit Cards\"],\"inLanguage\":{\"@type\":\"Language\",\"name\":\"English\",\"alternateName\":\"en\"},\"copyrightYear\":\"2019\",\"copyrightHolder\":{\"@id\":\"https:\\\/\\\/www.finder.com\\\/#organization\"},\"citation\":[{\"@type\":\"CreativeWork\",\"name\":\"Experian on section 75\",\"url\":\"https:\\\/\\\/www.experian.co.uk\\\/consumer\\\/credit-cards\\\/guides\\\/section-75-protection.html\"}],\"commentCount\":0},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.finder.com\\\/uk\\\/credit-cards\\\/charge-cards\",\"url\":\"https:\\\/\\\/www.finder.com\\\/uk\\\/credit-cards\\\/charge-cards\",\"name\":\"Best charge cards for 2026 | Finder UK\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.finder.com\\\/uk\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.finder.com\\\/uk\\\/credit-cards\\\/charge-cards#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.finder.com\\\/uk\\\/credit-cards\\\/charge-cards#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/cdn.finder.com.au\\\/finder-us\\\/wp-uploads\\\/sites\\\/3\\\/2019\\\/07\\\/charge_cards_250x250.jpg\",\"datePublished\":\"2019-07-14T10:56:33+00:00\",\"dateModified\":\"2024-01-03T09:07:20+00:00\",\"description\":\"What is a charge card? 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