What is the ruling on using one of the following credit card options to cover work-related travel expenses, given that the company will reimburse these expenses later: 1. A free credit card from a Riba-based bank when the travel advance is delayed? 2. A credit card from an Islamic bank that imposes a late fee under the name "variable administrative expenses"? 3. A credit card from an Islamic bank that operates with the forbidden organized Tawarruq system? Are these options equal in their Sharia ruling?

Dealing with Islamic banks, even if some of their transactions involve a degree of doubt, is better than dealing with explicitly usurious banks.

The second option, which is obtaining a credit card from an Islamic bank that charges administrative fees, is permissible if these fees are genuinely for services rendered and not a trick to impose usurious interest. Furthermore, late payment penalties can be avoided by adhering to the payment due date.

As for the third option, which involves cards that lead to organized tawarruq upon their replenishment or delayed payment, it is forbidden. Its religious prohibition can be avoided by making prompt payments.

It is preferable to use covered credit cards that are topped up with money and used within the available balance, as there is no religious prohibition in them.