Where to Apply for a Charge Card

Easily and securely apply for a charge card online.

A charge card provides a short-term loan during the course of a month. Unlike a credit card, the entire balance of a charge card is due at the end of each month. Most charge cards have an annual fee because the card issuer does not make money off interest payments like credit card issuers. Charge cards can be an effective means of managing purchases or travel expenses for your business, or for handling all of the purchases from a particular store. Here are some of the most popular charge cards that you can safely and securely apply for online.

Instructions

1. Apply for an American Express charge card. American Express is the premier provider of personal charge cards. With annual fees ranging from $95 to $450, American Express offers four major charge cards that have no preset spending limit, and an extensive membership rewards program that provides points for travel awards.

2. Apply for the Diners Club Charge Card, which is accepted everywhere in the world where Mastercard is welcomed. For over fifty years, Diners Club has provided a charge card with no spending limit, and with a wide array of concierge, travel, insurance, and other services for card members. Diners Club charge card holders also accumulate points through their Club Rewards program, which can be redeemed for travel awards as well as merchandise from their online catalog.

3. Apply for the Kohl's charge card, which is exclusively for purchases made in their stores nationwide or on their website. With no annual fee, the Kohl's charge card provides extra discounts on all merchandise 12 times a year. When you apply, you immediately get a 10% discount on your next purchase, and you can easily manage and pay your account online through their website. If you spend at least $600 on your Kohl's charge card every year, you will be upgraded to Most Valuable Customer, which provides 18 additional opportunities to save each year.

4. Apply for the HSN charge card. This charge card can be used for shopping on the HSN website or through the television channel. There are no annual fees, and the HSN charge card provides special private sales, online account management, extra monthly savings offers, and over $200 in additional coupons.

5. Apply for a business charge card to provide your company with a monthly line of credit. Large business suppliers, such as Staples, Lowe's, and Home Depot, offer charge cards that can be assigned to authorized employees and easily tracked. These companies invoice every month through a clear, itemized statement that makes it easy to record and manage your business expenses.

Tips & Warnings

• Because most charge cards do not have a preset spending limit, it can be tempting to overspend. Remember that unlike a credit card, the entire balance is due at the end of the month.

Resources

• Apply for an American Express card.
• Apply for a Diners Club card.
• Apply for a Kohl's charge card.
• Apply for a HSN card.
• Apply for a Staples business charge card.