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Revolving credit cards are a specific financial product that fall within the larger category of "revolving credit". This type of credit card is open-ended, and allows users to spend up to their assigned credit limit with no determined end time. If a borrower chooses not to pay off their balance in full, the balance will carry over ("revolve") into a new month, likely with growing interest costs. These credit cards can typically impact credit score.

Installment - or deferred - credit cards allow for purchases to be split into multiple smaller payments spread out over time, usually each month. These installments are charged to the credit card holder each time frame until the purchase has been paid in full. The first installment is often charged to the credit card immediately, with following installments being charged automatically.