Charter Club Quilt

Compare Charter Club quilts by fabric, size, pattern and set type. From a plain white layer to warm flannel and full sets with shams, the differences are set out clearly for an easy choice.
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Four ways into the quilt category

White textured Charter Club quilt spread evenly across a made bed in soft daylight

Charter Club White Textured Quilt, Queen — A Clean Layered Look at an Easy Everyday Price

At $39 in Queen, this is the easiest way to refresh a bed you already like. The textured surface gives plain white some depth, so the bed looks finished without extra layers. It works over sheets in warmer months and layers under a blanket when the room turns cool, and white matches whatever colors you keep.

White Bailey scallop Charter Club cotton quilt set made up with two matching shams

Charter Club 3PC Bailey Scallop Cotton Quilt Set, Full/Queen — Bed Ready With Shams

$85 for a three-piece full/queen set makes this a straightforward pick when you want the bed finished in one order. The scalloped quilted edge adds a soft tailored detail that reads classic rather than busy. Quilt and shams come in the same cotton, so nothing needs extra matching, which suits a guest room or a main bed update.

White Charter Club quilt with sculpted paisley embroidery draped across a made bed

Charter Club Sculpted Paisley Embroidered Cotton Quilt, White Full/Queen — Tonal Pattern

The sculpted paisley embroidery is stitched white on white, so the pattern shows through texture instead of color. At $65 in full/queen it suits a bedroom that already has plenty of color and needs a calmer top layer. Cotton keeps the feel light through the year, and the tonal detail sits easily against plain sheets and simple shams.

Charter Club tartan patchwork flannel quilt folded in thirds at the foot of a made bed

Charter Club Tartan Patchwork Cotton Flannel Quilt, Queen — Warm Plaid for Cooler Nights

Brushed flannel and a tartan patchwork face make this the warmest option here, priced at $155 in Queen. The plaid reads traditional and suits cooler rooms or a seasonal swap. Because the pattern carries reds and greens, it can sit over plain cream sheets and still look pulled together through the whole winter season.

Jolly Plaid Quilt Sets, a Macy's Exclusive — Festive Plaid You Can Keep Out Longer

Available exclusively at Macy’s, the Jolly Plaid set leans festive without limiting you to one month. The plaid face and matching shams give a coordinated bed in a single purchase, which suits a guest room before the holidays. Beyond that it still layers warmly over neutral sheets and plain pillows.
Charter Club Jolly Plaid quilt set arranged with shams on a festive winter bed
Worth a Second Look

Pattern, scale and room fit at a glance

Three Macy’s-exclusive options and a king-sized set round out the comparison. These picks focus on pattern, scale and room fit, weighing a calm neutral against a bolder design and a larger set.
Oat colored Charter Club Leaf Silhouette quilt set made up on a calm neutral bed

Leaf Silhouette Oat Quilt Set, Macy's Exclusive — A Quiet Oat Tone for Calm Bedrooms

The oat tone and quiet leaf silhouette make this set a calm choice for bedrooms that already have pattern elsewhere. As a Macy’s exclusive it offers a soft neutral you can build around with pillows and throws in any color. Matching shams are included, so the bed reads finished, and the color will not date quickly.
Charter Club Venetian Vine quilted set with a vine pattern across a made bed

Venetian Vine Quilted Quilt Sets, Macy's Exclusive — A Vine Pattern for Everyday Layering

Offered as a Macy’s exclusive, the Venetian Vine set brings a flowing vine pattern across the quilt face without feeling heavy. It suits a bedroom that needs some movement but stays within a simple palette. The quilting lines add light texture and help the cotton hold its shape, which matters if the bed is made daily and laundered often.
Green Jacobean border Charter Club quilt set with shams on a wide king bed

NWT Charter Club Jacobean Border 3 Pc Quilt Set, Green King — A Scaled-Up King Option

New with tags and sized for a King, this three-piece Jacobean border set is the pick when a queen quilt leaves too much mattress showing. The green border frames the bed and gives the room a traditional anchor. At $189 it sits at the higher end of this category, reflecting the larger size and the three included pieces.
Where a Quilt Fits

Three routines a good quilt makes easier

Everyday Layering on the Main Bed

On the main bed a quilt works as the top layer in warm months and as a middle layer in winter. Cotton breathes, so it can stay on the bed year round instead of being swapped out with every change of season.

Guest Rooms Ready in One Step

For a guest room a full set means the bed looks made in one easy step. Neutral white or oat reads clean to most visitors, while a patterned set adds warmth if the room around it is otherwise plain.

A Seasonal Refresh Without New Bedding

A single new quilt can refresh bedding you already own. Add a tartan or plaid over plain sheets for a seasonal change, or choose a soft green to calm a busy room without buying new pillows or shams.
Before You Choose

Six factors that change which quilt suits you

Two made beds of different widths side by side, each dressed in a plain cotton quilt
Match the Size to Your Mattress First

Start with the mattress. Queen and full/queen sizes suit most standard beds, while a King set needs a wider mattress to drape evenly on both sides. Getting size right first keeps the rest of the comparison simple.

A smooth white cotton quilt square beside a brushed flannel plaid quilt square on a light table
Cotton Versus Flannel for Warmth

Cotton quilts breathe well and suit year-round use. Flannel is brushed for extra warmth, which helps in colder rooms but can feel heavy in summer. Match the fabric to how your room actually behaves.

Close view of raised diamond quilting and fine cotton weave on a white and oat quilt
Read the Weave for Texture and Feel

Texture changes how a quilt reads. A textured or embroidered surface adds depth to plain bedding, while a smooth finish keeps a cleaner line. Decide which look you want to see every day on the bed.

A made bed with a quilt and two matching shams beside a bench holding one folded plain quilt
Set or Single: Compare What Is Included

A three-piece set includes matching shams, so the bed looks finished straight away. A single quilt lets you work with shams you already own and usually costs less. Decide whether you want a match or flexibility.

Six folded quilts in different colors and patterns arranged in a grid on a pale wood floor
Color and Pattern Across the Room

Light colors like white and oat keep a room bright and pair with almost anything. Bolder patterns such as tartan or plaid add warmth and take over as the focal point. Think about the room you are dressing.

Neatly folded cotton quilts stacked on an open wooden shelf beside a plain storage basket
Price Signals Size and What Is Included

Prices here run from about $39 for a single queen quilt to near $190 for a king set. Higher prices usually reflect a larger size, flannel fabric or three included pieces rather than pattern alone.

Subtypes Worth Knowing

Cotton, flannel and full set options

Plain and Textured Single Quilts

Plain and textured single quilts give you a base layer you can restyle anytime. White and oat tones work under patterned shams or blankets, and the lower price makes trying a new look easy to justify.

Three-Piece Sets With Matching Shams

Three-piece sets pair the quilt with two shams in the same fabric and pattern. They suit shoppers who want a finished bed without hunting for a close color match, and they make good guest-room updates.

Warm Flannel for Cooler Rooms

Flannel quilts are brushed cotton made for cooler months. The fabric feels warmer against the skin than standard cotton, so it suits drafty bedrooms or shoppers who run cold through the night.

First-hand notes on living with quilts

Shoppers often describe the same turning points: getting the size right, choosing cotton over flannel for the room temperature, and deciding how much pattern a space can carry. These general experiences help you weigh the trade-offs.
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Dana M.

I compared several quilt sets before ordering, and the hardest part was size. Once I worked out the mattress drop I wanted, choosing between queen and king got much easier, and the bed finally looks balanced instead of short at the sides.
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Priya R.

Switching to a cotton quilt in summer was the best call I made. I sleep warm, and having one breathable layer over a sheet keeps me comfortable all night without the heavy bulk of a thicker comforter sitting on top of me.
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Ellen K.

For the guest room I wanted something that looked finished without any fuss. A set with shams meant the bed was done in minutes before visitors arrived, and several people mentioned how soft the fabric felt when they stayed over.
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Marcus T.

Flannel surprised me. I expected it to be strictly a winter fabric, but in a cool bedroom it works well most of the year. I simply keep an extra blanket folded at the foot of the bed for the coldest nights of the season.
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Joanne B.

I kept the sheets I already had and added a plain quilt over them for a quick refresh. It cost far less than replacing the whole bed, and switching colors each season keeps the room feeling new without a big expense.
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Nina S.

Washing is the part I care about most. I look for cotton quilts that hold their shape after a few cycles, and I always re-check the size listed so the cover still reaches down the sides of the mattress once it is on the bed.

Questions shoppers ask about quilts

If your shams already match your sheets, a single quilt keeps the look and usually costs less. Choose a set when you want a coordinated bed straight away, or when the shams carry a border or pattern that ties the design together.
Cotton breathes well and works across most seasons, which suits rooms that warm up easily. Flannel is brushed for extra warmth and feels softer against the skin, so it is the better pick for cooler rooms or colder months.
A Queen size fits most standard queen mattresses, and full/queen sets are cut to cover both full and queen beds. If your mattress is wider than usual, check the drop length so the quilt reaches the sides evenly.
Light colors show marks more easily, so plan on more regular washing. In return they brighten a room and pair with almost any decor. A textured weave can also help disguise minor wear compared with a flat smooth finish.
A fitted sheet, a flat sheet, then the quilt keeps things simple. In warmer months the quilt alone over sheets is enough. When it turns cold, add a blanket between the sheet and the quilt for extra warmth.
Folded cotton quilts stacked beside a notebook on a light wooden table in a bright bedroom
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