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Best Charge Cards
WalletHub makes it easy to find the best charge card for you.
A charge card is an electronic payment card that enables users to charge everyday purchases with no interest because full payment is required each billing period, usually at the end of the month. Charge cards usually have higher credit limits than normal credit cards, along with attractive rewards, because charge cards do not allow cardholders to carry a balance from month to month.… show more… show moreÂ
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Best Charge Cards
Below, you can learn more about the most popular charge cards and apply for the best charge card for your needs.
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Conoco Fleet Universal Card Conoco Fleet Universal Card

- Save 10¢ per gallon in the first 90 days of 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.
- High rewards rate
- Bonus categories
- Qualify with fair credit
- One-time fees
- Spending caps on rewards
- No rewards bonus
- Foreign fee
- 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
Tomo Credit Card Tomo Credit Card

- Get 1% cashback on all your purchases.
- No membership fees
- No foreign fee
- Qualify with limited or no credit history
- Does not require security deposit
- Must be paid in full each month
- No rewards bonus
- No credit history required.
- Build your credit score. Through consistent on-time payments, your credit score will grow. Tomo has set up a 7-day auto pay to maximize this cycle and increase the rate in which your credit score can improve.
- Since the credit score doesn’t determine your credit limit, there’s a flexibility to update your credit limit in real time. Credit limits range from $100 - $10,000.
- Your exact credit limit cannot be pre-determined. Tomo looks at your bank accounts and other factors to help determine your credit limit. In order to obtain the highest limit, the recommendation is that you connect all bank accounts or the account with the highest balance.
- Your expenses are consolidated from the first to last day of each autopay period and payments will automatically be deducted from your bank account to cover the current balance.
- See More Details & Reviews About TheTomo Credit Card
More About the Best Charge Cards

Most of the best charge cards have annual fees, and they all offer rewards. Charge cards tend to have sizable initial bonuses, high ongoing rewards-earning rates and a variety of other benefits. The best charge cards usually require good credit or excellent credit for approval.
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 Comparison
Charge Card | Best For | Annual Fee |
Brex Corporate Card for Startups | Business Rewards | $0 |
Sunoco Gas Card | Gas Rewards | $0 |
The Plum Card® from American Express | Early-Pay Discount | $250 |
Centurion® Card from American Express | VIPs | $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.
Methodology for Selecting the Best Charge Cards
To identify the best charge cards, WalletHub’s editors regularly evaluate more than 1,500 credit card offers and select those that can be described as traditional charge cards, meaning that cardholders must pay the balance in full each month. We then compare the resulting list of charge cards based on their initial bonuses, ongoing rewards, annual fees, approval requirements and special features. This enables us to determine which charge cards are likely to save different types of cardholders the most money, which leads to our list of the best charge cards by category.
About the author
John Kiernan has covered the credit card industry for more than 10 years as a writer and editor for WalletHub. His work has been featured by major media outlets such as The Washington Post and The New York Times and has been cited by industry regulators such as the Consumer Financial Protection Bureau. Read Full Author Bio
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- 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?
Assistant Professor of Finance, Drew University
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Professor, Baylor University
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Lecturer, John Hopkins University, Whiting School of Engineering, Center for Leadership Education
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Ph.D., CPA, CFE, Associate Professor of Accounting, Opus College of Business, University of St. Thomas
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Ph.D., Economist, George Mason University, Department of Economics and Center for the Study of Public Choice
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Professor of Finance, College of Business, University of Houston-Victoria
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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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