Welcome to Point Me to First Class, the only show for employed professionals, entrepreneurs,

and business owners who are looking to optimize their higher than average expenses to travel the world.

I'm your host, Stephen Gimbleimble and I believe that your expenses are your

greatest untapped asset if you know how to leverage them. Ready to dive into the world

of credit card points and miles so you can travel more, travel better, and travel often.

Let's get started.

Welcome, everybody.

Today I want to dive into a topic that is a little bit of a nuance in the world of rewards cards and that is the difference between a charge card and a credit card.

Now it's entirely possible that you already have one

or even a few points earning charge cards

without realizing that they're not exactly

the same thing as a traditional credit card.

So today, I want to take a closer look at what makes a charge card

different from a credit card and discuss some of the unique benefits of charge cards and how they fit

into your overall points earning card

portfolio. I'm also going to discuss some of the points earning charge cards

offered by major credit card issuers and highlight the features of some of my favorite rewards charge cards as well as offer some tips for choosing the right rewards charge card or cards for yourself.

So first, I think it's important to clarify the distinction between a charge card and a conventional credit card.

And the main difference between the two is that while a conventional credit

offers revolving credit such that you can carry a balance from month credit Now if you're in the world of points travel that difference is probably insignificant to you

since one of the cardinal rules of using rewards cards is that you pay the balance in

full monthly on any rewards card you have since the value of any

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