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Charge Cards

Charge cards have become a large part of our lives today. Charge cards differ from credit cards in that most charge cards require that you pay your balance in full each month. Not only do charge cards help us make purchases we wouldn't otherwise be able to afford but they also help with every day purchases. This great convenience in our lives cost us extra money in the way of interest charges and other fees. This is why it’s important to look for charge cards with low fees.

American Express (R) Preferred Rewards Gold Card

Earn 10,000 Membership Rewards(R) bonus points when you spend $500 in 3 months - redeemable for a $100 gift card!
The Membership Rewards(R) program - Earn 1 Membership Rewards(R) point for virtually every dollar you spend and redeem for your choice of travel, shopping, and entertainment rewards.
Gold Card Events - exclusive access to tickets for select concerts, shows, major sporting events, and more in cities nationwide.
Express Approval. Get a decision in less than 60 seconds.

Intro APR	Intro Period	Regular APR	Annual Fee	Balance Transfer	Credit Needed
N/A	N/A	N/A	$125 annual fee	No	Excellent

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Platinum Card(R) from American Express

Earn 25,000 Membership Rewards(R) bonus points when you spend $1,000 in 3 months - Redeemable for one round-trip domestic airline ticket!
24-hour access to Concierge service for the finest experiences in dining, entertainment, and luxury
Fine Hotels & Resorts Program - exclusive amenities at boutique, resort, and luxury hotels around the world
By Invitation Only(R)Events - access to exclusive, once-in-a-lifetime events
Complimentary Airport Club Access
The Membership Rewards First(R) program - Enjoy exclusive access to rewards and experiences featuring luxury retail, lifestyle, and world-class travel

Intro APR	Intro Period	Regular APR	Annual Fee	Balance Transfer	Credit Needed
N/A	N/A	N/A	$450 annual fee	No	Excellent

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American Express(R) Premier Rewards Gold Card

Earn 15,000 Membership Rewards(R) bonus points when you spend $1,000 in your first 3 months of Card membership
Earn Membership Rewards points up to three times as fast: You can earn 3X points on airfare, 2X points on gas and groceries, and 1X points on everything else
Earn 15,000 Membership Rewards bonus points when you spend $30,000 per calendar year.
No annual fee for your first year, a savings of $175

Intro APR	Intro Period	Regular APR	Annual Fee	Balance Transfer	Credit Needed
N/A	N/A	N/A	See Terms*	No	Good

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Zync(SM) from American Express

Enjoy a low annual fee of just $25 for Basic Card
Pay no interest - that's because you pay in full each month
Choose the Lifestyle Packs you want to customize your Card with the benefits you use most
Protect eligible purchases with Purchase Protection and Extended Warranty
Earn Membership Rewards(R) points with every eligible purchase - redeem points for travel, shopping, and great entertainment rewards

Intro APR	Intro Period	Regular APR	Annual Fee	Balance Transfer	Credit Needed
N/A	N/A	N/A	$25 annual fee	No	Good

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Once you've decided to apply for credit cards, you'll be amazed at how many charge card offers or charge card applications you'll find in the newspaper, television or on the internet. In fact, many charge credit card offers may come through your email each day. Before you complete any of these charge card applications, read the terms and conditions on these charge card offers. Many people apply for charge credit cards without reading the fine print only to learn later that these charge card offers are not charge card low APR but instead are charging very high interest. Failure to search for charge cards with low or no annual fee is another mistake often made by consumers when they apply for charge credit cards.

Each time you apply for charge credit cards, the credit card company will check your credit scores with a credit bureau. An excessive amount of inquiries into your credit is looked upon negatively by companies offering charge cards. Therefore, when you search for charge cards and charge card offers, only complete charge card applications for cards you would like to have such as charge card low APR credit cards. If you're looking for a good charge card, low APR credit cards are the best choices. Some of the credit cards feature more than just low interest rates but also feature reward and cash back offers. Many of these charge credit card offers feature cash back, balance transfers, bonus points and rebates on each dollar spent, which are perfect for borrowers that pay their bill in full each month.

When you search for charge cards, look not only for the charge card low APR offers and charge credit card offers of special membership benefits but look for the credit cards that will best meet your needs and spending habits. The important information is usually not found on the charge card applications but rather in the terms and conditions section so make sure you read everything before you apply for charge credit cards. When you search for charge cards with low APR, specify any rewards program that may interest you while doing the actual search. This way, when you get any new credit cards, you'll be getting cards that will help you save money.

Introductory Rate	Purchases:	N/A	Balance Transfers:	N/A
Introductory Period	Purchases:	N/A	Balance Transfers:	N/A
Regular APRs	Purchases:	N/A	Balance Transfers:	N/A
Regular APRs	Cash Advance:	*	Penalty:	*
Fees	Annual:	$125 annual fee	Balance Transfers:	See Terms*
Fees	Late:	See Terms *	Cash Advance:	See Terms*
Important	See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer.

Introductory Rate	Purchases:	N/A	Balance Transfers:	N/A
Introductory Period	Purchases:	N/A	Balance Transfers:	N/A
Regular APRs	Purchases:	N/A	Balance Transfers:	N/A
Regular APRs	Cash Advance:	*	Penalty:	*
Fees	Annual:	$450 annual fee	Balance Transfers:	See Terms*
Fees	Late:	See Terms*	Cash Advance:	See Terms*
Important	See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer.

Introductory Rate	Purchases:	N/A	Balance Transfers:	N/A
Introductory Period	Purchases:	N/A	Balance Transfers:	N/A
Regular APRs	Purchases:	N/A	Balance Transfers:	N/A
Regular APRs	Cash Advance:	*	Penalty:	*
Fees	Annual:	See Terms*	Balance Transfers:	See Terms*
Fees	Late:	See Terms*	Cash Advance:	See Terms*
Important	See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer.

Introductory Rate	Purchases:	N/A	Balance Transfers:	N/A
Introductory Period	Purchases:	N/A	Balance Transfers:	N/A
Regular APRs	Purchases:	N/A	Balance Transfers:	N/A
Regular APRs	Cash Advance:	*	Penalty:	*
Fees	Annual:	$25 annual fee	Balance Transfers:	*
Fees	Late:	*	Cash Advance:	*
Important	See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer.