Seen the term "charge card" and wondered how it's different from a regular business credit card? The distinction comes down to one question: does your cash flow let you pay in full every month, or do you sometimes need the flexibility to carry a balance? This one-minute explainer gives small business owners a clear decision framework—not a feature list. It covers how each card type handles balances, spending limits, interest, and fees, and walks through the one scenario where a charge card's no-preset-limit perk can actually backfire. The close offers a simple filter for choosing the right fit based on your revenue patterns. Key takeaways: • A business credit card lets you carry a balance month to month, with interest accruing on anything not paid in full • A charge card requires the full balance paid every month—no exceptions, no carry-over • Charge cards often have no preset spending limit, but that bill still comes due regardless of your incoming cash • Charge cards typically do...