What is a Charge Card?

A Charge Card allows you to manage your cash flow effectively. With no-pre set spending limit*, your purchasing power can increase over time as you use your Card.

Why choose an American Express Charge Card?

With a Charge Card, you are granted more purchasing power with no pre-set spending limit*. While your spending is not unlimited, your purchases are approved based on a variety of factors, including your Credit record, account history and personal resources. Proof of resources and security may be required.

Like many Credit products, should you wish to make a purchase that goes beyond your usual spending patterns, please call the Customer Service number on the back of your Card to ensure a seamless experience.

If your spending continues to increase over the months, and your payments and Credit record remain in good standing, you can achieve more spending power over time.

For the financially savvy consumer, a Charge Card makes good sense. Because your statement must be paid in full each month, many people find a Charge Card helps them control spending.

Eligibility

To save time, use the following checklist to see if you meet our standard eligibility criteria:

Some Cards may have additional specific eligibility criteria, and you will be asked to provide employment, income and bank account information in order to submit your application.

Once you have found the Card that best suits you, read the important information, then click the 'Apply now' button on the page to begin the application process. At this point, you can choose optional additional benefits and also decide how you'd like your name to appear on your Card.

Credit and Charge Cards Explained

Has talk of interest, annual fees, rates and percentages left you feeling confused?
 

Our simple Credit and Charge Card Guides are a great place to start.

Find a type of card to suit your needs

Explore our range of Cards, you're bound to find something to suit your needs and lifestyle.