Charge Cards

Below you will see a selection of charge cards compared in the chart. Charge cards are a type of credit card, yet with higher or no credit limits – giving you greater financial freedom. The balance on a charge card must be paid off at the end of each month, so make sure you have considered whether you could afford to deal with charge cards.

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Most providers of charge cards will have a strict set of requirements which you must pass in order to receive charge cards. This may include having an excellent credit score – find out the terms of charge cards before you make your application. Use the chart to compare the main benefits of each offer. Charge guards are easy to apply for but read the small print.

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The Plum Card from American Express OPEN
The Plum Card from American Express OPEN

Amex Card$185No pre-set spending limitNoCharge CardCharge CardNo Interest ChargesNoView Rewards

REWARDS

N/A

The Plum Card from American Express OPEN
The Plum Card® from American Express OPEN is for business owners who would like to use an American Express charge card with added flexibility. This card carries a $185 annual fee which is waived for the first year. You can earn a 1.5% discount by paying your full balance within 10 days of your statement closing date.
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A powerful cash flow management tool


Advantages

Advantages

1. The Everything, Everywhere Trade Terms Card(SM)
2. Pay in full within ten days, get a 1.5% discount.
3. OR pay as little as 10% and take up to 2 months to pay off the balance, interest free.
4. No annual fee for the first year - a $185 savings
5. A powerful cash flow management tool


Disadvantages

Disadvantages

1. No reward program.
2. Annual management fee of $185

American Express Business Charge Gold Rewards Card
American Express Business Charge Gold Rewards Card

Amex Card$0 for the first year, then $175.No Pre-Set Spending LimitNoCharge CardCharge CardNo Interest ChargesNoView Rewards

REWARDS

American Express Business Charge Gold Rewards Card
If you are looking for a fantastic points rewards system that would benefit those of you who require charge cards, then the Business Gold Rewards Card from American Express might be the card you are looking for. Simply spend and the turn your purchases into rewards.
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A fantastic bonus points rewards system is available to you with this card as well as payment protection on all your qualified purchases.


Advantages

Advantages

1.This card will give you protection when you shop.
2.For your first year there will be no annual fee which will save you up to $125.
3.You could earn 50,000 Membership Rewards Points if you spend over $10,000 in the first four months after you purchase the card.
4.A one for one points/spend system.
5.With a certain amount of expenses you can earn up to 25,000 bonus points.


Disadvantages

Disadvantages

1.Eligable spending entitlement does not include fees, Interest Charges, Balance Transfers or Cash Advances.
2.If you are an existing American Express Open Gold Card member you cannot apply for this offer.

Pexcard
Pexcard

Visa CardAccount set up fee $49.95 $7.50 per monthNo Pre-Set Spending LimitNoCharge CardCharge CardNo Interest ChargesNoView Rewards

REWARDS

N/A

Pexcard
The PEX Visa® Prepaid Card is a great way to give your company employees Visa purchasing power, without risking overage charges or damage to your credit. Your PEX Visa Prepaid Card master account will allow you to set spending limits and even control the TYPES of merchants your employees can use their card to make purchases with. You can load your employee cards with funds from your master account in real time (usually funds are available in under a minute) a there are no transaction or deposit fees.
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1. The easy to use administrative tool provides the capability to manage all accounts on-line, in one place, in real-time.
2. Cards can be reloaded.
3. No transaction fees.
4. No deposit fees.
5. Cards are personalized with the cardholder's name.
6. The funds on deposit are corporate funds - not employee-owned.
7. The PEX Card Account is not a bank account, but all funds on deposit are FDIC Insured.
8. Each card has an individual balance, so you can keep employees on budget. The corporate balance is displayed separately from cards.
9. Funds on deposit belong to your business until cardholders spend or service fees are posted. Funds can be transferred back to the registered business bank account at any time.
10. Fees are charged to the PEX Account balance, not to card accounts.
11.Cards don't expire until three years after the issue date.


Advantages

Advantages

1.Instantly Fund Employee Purchases
2.Gain 24/7 Control Over Where and How Much Employees Spend
3.Save Money - No Surprise Interest Charges or Overdraft Fees
4.Monthly Reporting
5.Worldwide Card Acceptance


Disadvantages

Disadvantages

1.Bank Rejected ACH Request $25.00
2.Express Card / Request $35.00
3.ACH Transfer From PEX Account to Your Bank $5.00
4.Late Payment for Fees Due $25.00
5.Card Replacement  $5.00

American Express Gold Card
American Express Gold Card

Amex Card$125 p.a.No Pre-Set Spending LimitNoCharge CardCharge CardNo Interest ChargesNoView Rewards

REWARDS

1.Your purchases will be turned into Membership Rewards points and then they become redeemable.

American Express Gold Card
If you are looking for a credit card with benefits then the American Express Gold Card might be just what you were looking for. With a fantastic, non-expiring points-rewards system, you can spend the points you earn immediately or save them for as long as you want. Limited Time Offer: From now until December 28th, 2010, cardholders can get a Flip UltraHD™ Camcorder when they spend $2,000 in the first 3 months of Card membership!
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This card offers a fantastic warranty extension service plus various other insurance services.


Advantages

Advantages

1. Exclusive access to Gold Card Events – select concerts, shows, major sporting events, and more.
2. Purchase Protection* can protect eligible items for up to 90 days from the date of purchase if stolen or accidentally damaged. *Underwritten by AMEX Assurance Company
3. Redeem Membership Rewards® points for an exclusive array of travel, shopping, dining and entertainment rewards.
4. Introductory annual fee of $0 for the first year, then $125.
5. Get a decision in as little as 60 seconds.


Disadvantages

Disadvantages

1.This card carries an annual fee of $125.

American Express Platinum Card
American Express Platinum Card

Amex Card$450 p.a.No Pre-Set Spending LimitNoCharge CardCharge CardNo Interest ChargesNoView Rewards

REWARDS

Earn up to 10X points every day when you shop over 300 brands online at membershiprewards.com/earn

American Express Platinum Card
Earn impressive rewards, exclusive entertainment access and exceptional travel benefits with the Platinum Chard Card from American Express. Apply online and earn 25,000 membership rewards bonus points when you spend $1,000 in your first 3 months of Card Membership.
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Earn 25,000 Bonus Membership Rewards® points after $1,000 spend in first 3 months


Advantages

Advantages

1. 25,000 Membership Rewards® points when you spend $2,000 during your first three months of Card membership.
2. Global Travel Benefits: Access over 600 lounges worldwide with Priority Pass™ Select, no foreign transaction fees, skip U.S. customs lines with Global Entry.
3. Up to $200 in Airline Fee Credits annually to cover incidental charges on your airline of choice, including checked–baggage fees.
4. Receive a companion ticket for discounted travel when you purchase a qualifying First- or Business-Class international ticket.
5. 24/7 Platinum Card® Concierge service for assistance with reservations, travel, gifts, and more
6. FINE HOTELS & RESORTS Program: exclusive upgrades and amenities at over 700 boutique, resort, and luxury hotels worldwide.
7. Get 20% back when you use Pay with Points to book your travel.


Disadvantages

Disadvantages

1. High annual fee of $450

American Express Premier Rewards Gold Card
American Express Premier Rewards Gold Card

Amex Card$175No Pre-Set Spending LimitNoCharge CardCharge CardNo Interest ChargesNoView Rewards

REWARDS

Earn 15,000 Membership Rewards® bonus points when you spend $1,000 in your first three months of Card membership

American Express Premier Rewards Gold Card
American Express reward charge cards now offers a faster way to earn points with the American Express® Premier Rewards Gold Card. This card allows you to buy the things you need, and get rewarded with the things you want. With the American Express® Premier Rewards Gold Card, you can earn points up to three times as fast.
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Membership Rewards® program


Advantages

Advantages

1. Membership Rewards® bonus: 25K points, redeemable for select gift cards valued at $250, when you spend $2,000 in your first three months of card membership.
2. Membership Rewards® points multiply fast! Earn 3X points on airfare, 2X points on gas and groceries, 1X points on everything else.
3. Exclusive access to Gold Card Destinations and events – Enjoy special travel packages and amenities at hotels worldwide, as well as select concerts, shows, major sporting events, and more, nationwide.
4. Introductory annual fee of $0 for the first year, then $175. 5. Get a decision in as little as 60 seconds.


Disadvantages

Disadvantages

1. There is an annual fee.

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