: Secondary cards for family members that share the primary account’s credit limit, often used to track household spending.

Beyond the basics, many issuers offer specialized features to attract specific types of spenders:

Credit cards are revolving loans that allow you to borrow funds up to a set limit to pay for goods and services. Unlike debit cards, which draw directly from a bank account, credit card purchases are paid back to the issuer later, often with interest if not paid in full by the due date. Core Account Features

: Unique, temporary card numbers used for online shopping to protect your actual account information and manage subscriptions.

: Options like American Express Pay Over Time allow you to pay off large purchases in installments with a set interest rate rather than revolving them at the standard APR.

Every standard credit card includes several fundamental features that define how you spend and repay: