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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® Premier Rewards Gold Card

Membership Rewards® bonus: 15K points, redeemable for select gift cards valued at $150, when you spend $1,000 in your first three months of card membership
Membership Rewards® points multiply fast! Earn 3X points on airfare, 2X points on gas and groceries, 1X points on everything else
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
Introductory annual fee of $0 for the first year, then $175
Get approved in 60-seconds.

Intro APR	Intro Period	Regular APR	Annual Fee	Balance Transfer	Credit Needed
N/A*	N/A*	N/A*	$0.00 1^st year, then $175.00*	No	Excellent Credit*

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The Platinum Card® from American Express

25,000 Membership Rewards® points when you spend $1,000 during your first three months of Card membership
Global Travel benefits: Priority Pass select airport club access, No Foreign Transaction Fees, Global Entry expedited U.S. immigration pass
Up to $200 in Airline Fee Credits annually to cover incidental charges on your airline of choice, including checked - baggage fee
24/7 Platinum Card® Concierge service for assistance with reservations, travel, gifts, and more
Fine hotels & Resorts Program: exclusive upgrades and amenities at over 700 boutique, resort, and luxury hotels worldwide

Intro APR	Intro Period	Regular APR	Annual Fee	Balance Transfer	Credit Needed
N/A*	N/A*	N/A*	$450.00*	No	Excellent Credit*

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American Express® Gold Card

Earn 10K Membership Rewards® points, redeemable for select gift cards valued at $100, when you spend $1,000 in your first 3 months of Card membership
Exclusive access to Gold Card Events- select concerts, shows, major sporting events, and more
Purchase Protection covers loss, theft, and damage of eligible items within 90 days of purchase
Redeem Membership Rewards® points for an exclusive array of travel, shopping, dining and entertainment rewards.
Get approved in 60-seconds.

Intro APR	Intro Period	Regular APR	Annual Fee	Balance Transfer	Credit Needed
N/A*	N/A*	N/A*	$0.00 1^st year, then $125.00*	No	Excellent Credit*

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The Plum Card® from American Express OPEN

The Everything, Everywhere Trade Terms Card^sm from American Express OPEN
Pay in full within ten days, get a 1.5% discount
OR pay as little as 10% and take up to 2 months to pay off the balance, interest free
$0 introductory annual fee for the first year, then $185
A powerful cash flow management tool

Intro APR	Intro Period	Regular APR	Annual Fee	Balance Transfer	Credit Needed
N/A*	N/A*	N/A*	$0.00 1^st year, then $185.00*	No	Excellent Credit*

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Click here for Charge Cards Business Credit Cards

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:
Regular APRs	Cash Advance:		Penalty:
Fees	Annual:	$0.00 1^st year, then $175.00*	Balance Transfers:
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:
Regular APRs	Cash Advance:		Penalty:
Fees	Annual:	$450.00*	Balance Transfers:
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:
Regular APRs	Cash Advance:		Penalty:
Fees	Annual:	$0.00 1^st year, then $125.00*	Balance Transfers:
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:
Regular APRs	Cash Advance:		Penalty:
Fees	Annual:	$0.00 1^st year, then $185.00*	Balance Transfers:
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.