Charge Cards
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Conoco Fleet Universal Card Conoco Fleet Universal Card

- Save 10¢ per gallon for the first 90 days after account opening.
- Get a monthly rebate of 3¢, 4¢, 5¢, 6¢ or 7¢ per gallon if you purchase at least 500, 2,500, 5,000, 7,000 or 10,000 gallons, respectively.
- The more you purchase, the more you save.
- Use the Conoco Universal Card at Conoco®, 76® and Phillips 66® locations.
- This card requires a $40 Account Setup fee.
- See More Details & Reviews About TheConoco Fleet Universal Card
Centurion® Card from American Express Centurion® Card from American Express

- 1X Membership Rewards point for every eligible dollar you spend.
- Membership Rewards® points can be used towards travel, dining, shopping, and merchandise.
- Points have no expiration date and there's no limit to the amount of points you can earn.
- This card requires a $10,000 initiation fee.
- See More Details & Reviews About TheCenturion® Card from American Express
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Best Charge Cards

All in all, the best charge cards can be well worth the cost when in the right hands. Your job, after comparing charge cards and identifying the best offer for your needs, should be to confirm that its rewards and other perks will provide enough value to cover the cost of its annual fee. You should also double-check that you’re not overlooking a normal rewards credit card that would actually allow you to save more money. To get you started, WalletHub’s editors compared their picks for the best charge cards below.
Best Charge Cards of 2021
Charge Card | Best For | Initial Bonus | Annual Fee |
The Plum Card® from American Express | Early-Pay Discount | N/A | $0 intro 1st yr, $250 after |
Sunoco Gas Card | Gas Rewards | N/A | None |
Brex Corporate Card for Startups | Business Rewards | 30,000 points | $0 |
Centurion® Card from American Express | VIPs | Unknown | $5000 |
Before applying for a card, you should also make sure to check your latest credit score, which you can do for free on WalletHub. This will give you a sense of your approval odds. Our editors’ picks for the best charge cards all require at least good credit for approval.
Questions & Answers
Comparing can be tough. But you’ve got the knowledgeable WalletHub community on your side. We encourage everyone to share their knowledge while respecting our content guidelines. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not the financial institution’s responsibility to ensure all posts and questions are answered....show moreshow less
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Featured Credit Cards
Ask the Experts
- What types of people should consider getting a charge card?
- Do you think charge cards are effective at promoting disciplined spending and payment habits among users?
- Do you think a charge card is inherently less valuable than a normal credit card given the lack of financing functionality?
- Does a charge card need to offer better rewards and charge lower fees to compete with standard rewards credit cards?
- Why don't more credit card companies offer charge cards?
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Dina F. El Mahdy
Associate Professor of Accounting at Earl G. Graves School of Business and Management, Morgan State University
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Jason Beck
Associate Professor of Economics at Georgia Southern University
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J. Russell Hardin
Chair, Department of Accounting, Professor of Accounting at Mitchell College of Business, University of South Alabama
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Tracey Wilen-Daugenti
Visiting Scholar at Stanford University’s Media X Program
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We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. Actual terms may vary. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
† Approval Odds are WalletHub estimates intended to gauge your likelihood of approval for a particular product. Approval Odds are based on WalletHub data and are not provided or endorsed by the lender. Approval Odds are not meant to imply or guarantee that you will be approved by the lender or that credit will be extended. WalletHub may share your information with third-parties in order to show personalized offers, as well as enable you to interact more easily with pre-fill forms or applications. You can opt-out of sharing your personal info here.
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