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While these terms are sometimes used interchangeably, there is a difference between the two.
In short, a charge card (primarily issued by American Express) requires the cardholder to pay off balances in full each month. There are no interest rates, but there are annual fees. With a credit card, interest is charged and there is a preset credit limit.
To even qualify for a charge card, you'll need to have at least a "good" credit score – if not "excellent."
Both credit cards and charge cards can positively or negatively affect the cardholder's credit score, and both often offer rewards.
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* "Funding" typically comes in the form of the issuance of business credit cards that may be used for business purposes. In such instances, we consider these credit lines as funding since businesses may tap those lines.
** Zero-Interest is based on the personal credit-worthiness of the business owner. 0% rates are introductory rates and vary in length of time, assuming all monthly required payments are made to the credit card company. Introductory rates of 0% apply to purchases and/or balance transfers after which it reverts to an interest rate, which varies by lender as disclosed in the lending agreement from the lender. Fund&Grow is not a lender.
*** The 60-day money-back guarantee only applies if client does not obtain credit. Please refer to the full Terms of Service for additional details.
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"Fund&Grow was created to empower small business owners, but more importantly, to support entreprenuers in achieving their business and personal goals while they lead the way towards innovation." - Ari Page CEO of Fund&Grow
Ari Page and the Fund&Grow team help business owners obtain access to credit despite the ambiguous lending climate. Many people feel ripped off and scammed by the bank bailouts and wonder why they can't use the system to their advantage the way the big banks did. If you have good credit, the Fund&Grow program will get you the funds you need to grow your business.
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All credit is subject to lender approval based upon credit criteria. Up to $250,000 in business credit is for highly qualified files over the term of the membership with multiple credit card batches and/or credit lines. Introductory rates of 0% apply to purchases and/or balance transfers after which it reverts to an interest rate, which varies by lender as disclosed in the lending agreement. Fund&Grow is not a lender.
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