Charge Cards

Charge cards differ from credit cards in that they do not incur interest charges, as the balance is cleared by the cardholder every month. Many issers offer spending incentives such as reward points, which can in turn be redeemed for free flights, upgrades, concierge services and much more. One thing to bear in mind when considering a charge card is that they almost always incur an annual fee

 APPLY ONLINE

Credit Needed
Excellent
  • Earn 20,000 bonus Membership Rewards points when you spend £2,000 in your first three months of Cardmembership. That's enough for flights from London to Marrakech and any of 93 European destinations, including Paris, Milan or Lanzarote. Terms, taxes, fees and charges apply
  • Earn one Membership Rewards point for virtually every £1 spend on your Card
  • $75 USD hotel credit and room upgrade where available at over 350 hotels globally including Hilton, InterContinental and Sofitel
  • Complimentary membership to the LOUNGE CLUB, entitling you to two complimentary visits per year to over 350 airport lounges globally
  • Annual fee: Free for first year; £140 thereafter
  • You must be a UK resident, aged 18 years or over and have no history of bad debt
  • Rewards
    Membership Rewards
    Sign Up
    Bonus
    20,000 Membership Rewards
    Annual Fee
    £140
    Earn Rate
    (per £)
    1 Membership Rewards
    Representative APR (variable)
    Not Applicable
 APPLY ONLINE

Credit Needed
Excellent
  • Receive 30,000 membership reward bonus points – enough for one return flight from London to selected European destinations, when you spend £2,000 in the first three months
  • Worldwide travel insurance for you and your family
  • Fast track access through outbound security at Heathrow
  • Share the benefits with up to five complimentary Supplementary Cards
  • Annual fee: £450
  • You must be a UK resident, aged 18 years or over and have no history of bad debt
  • Rewards
    Membership Reward Points
    Sign Up
    Bonus
    30,000 Membership Rewards
    Annual Fee
    £450
    Earn Rate
    (per £)
    1 Membership Rewards
    Representative APR (variable)
    Not Applicable
 APPLY ONLINE

Credit Needed
Excellent
  • Welcome Bonus of 40,000 Bonus Points if you spend £6,000 in the first three months of Cardmembership (T&Cs apply)
  • Comprehensive Worldwide Travel Insurance for business or pleasure
  • Earn 1 Membership Reward point for virtually every full £1 you spend on the card
  • Lounge Access and Platinum Concierge Service
  • Annual fee: £450
  • You must be a UK resident, aged 18 years or over and have no history of bad debt
  • The business must have a current UK bank or building society account and no CCJs
  • Rewards
    Membership Rewards
    Sign Up
    Bonus
    40,000 Membership Rewards
    Annual Fee
    £450
    Earn Rate
    (per £)
    1 Membership Rewards
    Representative APR (variable)
    Not Applicable
 APPLY ONLINE

Credit Needed
Excellent
  • Earn 20,000 bonus membership points if you are approved and spend £3,000 in the first three months of cardmembership - enough for a return business class flight from London to selected European destinations
  • Apply for Supplementary cards (at no extra charge) to share your benefits with your colleagues and employees
  • No pre-set spending limit with purchasing capacity that adjusts according to your business needs.
  • Up to 54 days deferred payment on purchases
  • Annual fee: Free for first year; £125 thereafter
  • You must be 18+, and a UK resident
  • The business must have a current UK bank or building society account, No CCJs
  • Rewards
    Membership Rewards
    Sign Up
    Bonus
    20,000 Membership Rewards
    Annual Fee
    £125
    Earn Rate
    (per £)
    1 Membership Rewards
    Representative APR (variable)
    Not Applicable
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What are Charge Cards?

Charge cards are similar in many ways to credit cards in terms of how and where you can use them. They both offer buy now, pay later functionality, but there are also marked differences between them. Advantages of charge cards include the fact that there is no interest payable, but this is balanced by the fact that you have to pay off the balance in full each month; there is no scope to make just a partial payment, and you can't borrow for longer than a month. As charge cards are paid off in full each month, they do not technically have a credit limit (or to look at it the other way - their limit is unlimited!). However, you should remember that the card issuer will want to know that you can afford your spending, so you may have to provide proof of your financial means when you apply, e.g. certain income and/or credit rating. To offset this restriction, and the fact that most charge cards incur an annual fee, charge cards, unlike many credit cards, often come with 'perks' such as discounts on certain products (e.g. flights or travel insurance) or access to VIP airport lounges, which can seem very generous. Consider carefully whether the perks available to charge card holders are valuable enough to offset the limitation placed on these products when compared to other types of UK payment cards.

How do I get the Best Charge Card Offer?

A number of UK issuers offer charge cards, and the features and benefits of these cards vary greatly from card to card. The easiest place to compare cards, therefore, is through charge card comparison tables - like those featured on this page. Differentiating factors tend to be the type and level of the benefits that can be obtained and how relevant they are to you and your lifestyle. For each card, it’s a good idea to consider carefully whether or not you will use the perks available and to what extent, and then compare the benefit of these perks to the cost of the annual fee. For instance, if you are a frequent flyer, then access to a VIP Lounge may be very valuable to you. It’s also worth looking at the small print to ensure that you qualify for the rewards, as sometimes these are aligned to how much you spend per month on the card. Other things that can help you consider which card to apply for are how easily the card can be used abroad and what the fees are. Also, whilst charge cards do not apply interest to your balance, the fees can be relatively significant if you do not or cannot clear your balance in full each month.