COMPARE CHARGE CARDS
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Which Way To Pay has compared and reviewed a range of charge cards, so that you can enjoy a balanced view of each one. What are the main advantages and disadvantages of charge cards? Charge cards are usually aimed primarily at people with higher income – the cards provider may even set a benchmark income per year, so that if you earn less than this you will be refused.
Use the chart below to compare key factors when considering what charge cards to apply for, such as fees and balance transfers. Is there a credit limit to the card or does this card offer unlimited spending?
CARD NAME  | ISSUER | FEES | CREDIT LIMIT | CHIP & PIN | CASH ADVANCES | BALANCE TRANSFER | NEW PURCHASE | REBUILD CREDIT | REWARDS | APPLY |
American Express Gold Business Charge Card. |  | £95 p.a. | N/A | No | £3 or 3% of total amount | Not applicable | Not applicable | No | RewardsRewardsEvery time you use the Preferred Rewards Gold Card, you’ll earn Membership Rewards points to redeem against your choice of a huge range of travel partners including bmi, British Airways, Eurostar, Hilton, Sheraton, Virgin Atlantic and many more. Get 1 point for virtually every £1 you spend and, double points for travel spend. |  |
| Every time you use the Preferred Rewards Gold Card, you’ll earn Membership Rewards points to redeem against
your choice of a huge range of travel partners including bmi, British Airways, Eurostar, Hilton, Sheraton, Virgin
Atlantic and many more. Get 1 point for virtually every £1 you spend and, double points for travel spend.
To help you get away sooner, apply now and you’ll get 20,000 bonus points when you spend just £500 in your first 3
months. That’s enough to whisk two people to Europe and back with British Airways. Or to upgrade to Premium
Economy on most destinations with Virgin Atlantic. The points can also be spent across 11 other airlines.
DETAIL INFORMATION >> | ||||||||||
American Express Platinum Charge | | £300 p.a. | N/A | Yes | £3 or 3% of total amount | Not applicable | Not applicable | No | RewardsRewardsThe Membership Rewards Programme earns you 1 point for virtually every full £1 spent on the Card. | |
| The American Express Platinum Card offers you a helping hand towards your next adventure. There is no pre-set spending limit with this card and you can get a response on your application within 60 seconds. This card is the one thing you will want to take away with you when you travel. DETAIL INFORMATION >> | ||||||||||
American Express® Preferred Rewards Gold Card. | | £95 p.a. | N/A | Yes | £3 or 3% of the amount of any cash advance (whichever is greater) | Not applicable | Not applicable | No | RewardsRewards20,000 Membership Rewards bonus points will be awarded to your account once you have been approved and you have spent and charged £1,000 within the first three months of Cardmembership. | |
| Receive the first 3 months free with the American Express Preferred Rewards Gold Card. Earn double points on travel spend, double points on petrol and supermarket purchases and transfer points to 10 major frequent flyer programmes. You also get all the other great benefits you would expect from American Express such as Preferred Seating and 24 hour customer service. DETAIL INFORMATION >> | ||||||||||
NEWS / CHARTS
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