How to Tell if a Card is a Charge Card vs. Revolver?!

[Girlzilla88]

Is there a key track or wording or a spot in the description that will let you know if in fact the card you are applying for is a Charge Card or Revolver?!     I just learned Amex has both but when I went to the Amex site to read up on it and check out the different cards I don't see any notes or wording (unless I'm just blind which I am lol) stating which ones are which so I would have had no clue if someone here didn't mention it before applying thinking they were all revolving cards.     I do see some that clearly say Points vs Cash etc, I hope my question is clear       I also side note have a Limited Time Offer on a BCE (which would be Charge?!) and the Option to 'upgrade' to BCP ((no worries I won't)) lol but again if I wasn't aware and did go apping I could have done/added a Charge card vs the Revolver

[Matt9543]

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@Girlzilla88 wrote:

Is there a key track or wording or a spot in the description that will let you know if in fact the card you are applying for is a Charge Card or Revolver?!     I just learned Amex has both but when I went to the Amex site to read up on it and check out the different cards I don't see any notes or wording (unless I'm just blind which I am lol) stating which ones are which so I would have had no clue if someone here didn't mention it before applying thinking they were all revolving cards.     I do see some that clearly say Points vs Cash etc, I hope my question is clear       I also side note have a Limited Time Offer on a BCE (which would be Charge?!) and the Option to 'upgrade' to BCP ((no worries I won't)) lol but again if I wasn't aware and did go apping I could have done/added a Charge card vs the Revolver

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BCE is not a charge card, the only Charge cards that Amex has now are the Green Card, Gold Card, and Platinum Card, and business versions of those cards.

[Girlzilla88]

Is there a way to tell because I wouldn't have opted for that card thinking it was when I was looking into it before  Iyaaaaaa XD

[ccquest]

Charge does not have a specific stated limit and typically has to be paid back in full every month, versus automatically carrying the balance over time. Although Amex has blurred the line a bit by adding POT features to the charge cards as well.

Platinum, Gold, Green, and the Centurion cards are charge, the rest are revolvers.

I think Chime also has a credit builder charge card, not sure on any others really.

[sxa001]

Maybe I am remembering wrong but I thought they used to have different menu options on the website for "Charge Cards" and "Credit Cards".  To be honest, with the Pay Over Time features on the Green, Gold and Platinum they can be used as credit cards to some extent for those who do want to carry a balance.  

In general outside of American Express I wouldn't worry about trying to know if one is a "Charge Card" or regular revolving credit card.  No other major bank offers universal charge cards.  There are some fuel cards that are intended to be fleet cards that are charge cards but unless you are buying fuel for a business I would ignore those.

[wasCB14]

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@ccquest wrote:
Charge does not have a specific stated limit and typically has to be paid back in full every month, versus automatically carrying the balance over time. Although Amex has blurred the line a bit by adding POT features to the charge cards as well.

Platinum, Gold, Green, and the Centurion cards are charge, the rest are revolvers.

I think Chime also has a credit builder charge card, not sure on any others really.

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...as well as issuing some revolvers with very soft CLs. I once had $40k of charges approved on a $13k BBP.

I did get a somewhat mysterious "reminder" phone call a few days before the ~$27k minimum payment was due.

[Girlzilla88]

@wasCB14    27k Min Payment Due?!    0.0.....is that even right on a 40k charge?!   LOL

[Anonymous]

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@Girlzilla88 wrote:

@wasCB14    27k Min Payment Due?!    0.0.....is that even right on a 40k charge?!   LOL

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Anything over the limit has to be paid in full. 

[Anonymous]

I generally look for APR in the terms and conditions form. I know the Amex charge cards did not mention an APR for a long time, though I haven't checked it out since they've been plugging the Pay Over Time and Plan It, so am uncertain if they have an APR mentioned or not now.

[Brian_Earl_Spilner]

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@Girlzilla88 wrote:

@wasCB14    27k Min Payment Due?!    0.0.....is that even right on a 40k charge?!   LOL

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Amex cards, along with many Visa Infinite and MasterCard World Elite cards, have flexible limits. You're able to charge over your limit, but anything above the limit is due along with the minimum payment.