最早的付账卡是由大莱俱乐部（Diners Club）在1950年创立，以餐馆客户为目标。付账卡不提供循环信贷，持卡人必须每月偿还全额欠款，没有预先设定的固定的信贷限额。
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由Dine和Sign部分合并而来的大莱俱乐部，推出首张具有“通用功能”的签帐卡，并要求所有的账单都要通过（打印）购物结算单来支付。
The Diners Club, which was created partially through a merger with Dine and Sign, produced the first "general purpose" charge card, and required the entire bill to be paid with each statement.
1950年，大莱俱乐部的创始人Ralph Schneider和Frank McNamara，将消费者在不同商户用同张卡片消费的理念付诸实施，旨在整合各式各样的卡片。
The concept of customers paying different merchants using the same card was implemented in 1950 by Ralph Schneider and Frank McNamara, founders of Diners Club, to consolidate multiple CARDS.
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