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Linens & Napkins

Placemats and Chargers vs Tablecloths: What Do You Need?

When to use placemats, charger plates or a full tablecloth at an event, how to stack the plate, and which combination fits a wedding, party or rustic table.

November 2, 2026 · 4 min read · By the Beyond Chiavari team
3D render of a 13-inch gold beaded charger plate for wedding place settings
Gold beaded charger plate

At a rental order, the line items blur together. A cloth looks like a cloth, but a charger and a placemat are both small and both sit under the plate. Choosing between them, or deciding to use two, changes the look of every place setting, the clean-up and the budget. Here is how they differ and how they stack at a Chicago-area wedding or dinner.

What each one does

Three place setting bases compared Three top-down place settings. Left, a dinner plate sits directly on a tablecloth. Middle, a dinner plate sits on a rectangular placemat on bare wood. Right, a dinner plate sits on a larger round charger on a tablecloth. Gold shows the base layer. Cloth onlyPlacematCharger
Gold shows each base layer. The circles are the 10.5-inch dinner plate in each case.

Tablecloth

Covers the whole table, hides its flaws and sets the base color. It carries the room. For sizes, see the tablecloth size chart.

Placemat

A rectangular or round mat, usually 13 to 19 inches, that marks each place. Placemats suit tables where the wood is the feature, such as a farm table, or where you want to protect a surface without a cloth. They come in woven, wood, leather, linen and acrylic. See farm table linens.

Charger

A large decorative plate, typically 12 to 14 inches, that sits under the dinner plate. It adds color, texture or metallic shine and frames the setting. Guests do not eat from it. The server clears it before dessert or after the entree, depending on the style of service.

When to choose each

Setting Cloth Placemat Charger
Formal plated wedding Yes Rarely Often
Rustic farm table Optional Often Sometimes
Buffet dinner Yes No Rarely
Casual backyard party Yes (or paper) Optional No
Corporate gala Yes No Often
Brunch Yes Sometimes No

Chargers pair best with plated meals where servers are available to clear them. At a buffet, a charger is just one more thing guests carry. Placemats help most when no tablecloth is used, because they give each place a clear boundary.

How to stack a place setting

  1. 1Step 1Charger or placematgoes down first.
  2. 2Step 2Dinner platesits centered on top.
  3. 3Step 3Salad or bread plategoes above or on the dinner plate, per service.
  4. 4Step 4Napkingoes on the left or on the plate. See [napkin rings and placement](/blog/napkin-rings-and-placement).
  5. 5Step 5Menu or place cardgoes last, on the plate or above it.
Charger or placemat, then Dinner plate, then Salad or bread plate, then Napkin, then Menu or place card

Do not stack more than three items at the center of a plate. The setting looks crowded and is hard to clear.

Combining layers

A cloth plus a charger is the most formal stack. A cloth plus a placemat is rare because both are flat and the mat can vanish. A placemat on bare wood is the casual version. Two ideas that work:

  • Ivory cloth, gold charger, white plate, deep napkin. Classic, rich, easy to read in photos.
  • Bare wood, linen placemat, white plate, simple napkin. Relaxed and natural.

If you are layering textures, see textured linens and overlays and layered linens.

Cost and logistics

Chargers are counted per seat, so a 120-guest dinner needs 120 plus a spare. They are dinnerware, not linen, so they may be quoted separately from your linens. Ask whether they are rented by the piece, who sets them, and who clears them. Placemats are also per seat, and they can be laundered or wiped, depending on material. Ask your supplier how they arrive and how to return them. Request a quote that lists each item so you can compare.

Plan counts using the linen ordering checklist, and remember to add dinnerware items that go with chargers, such as plates, flatware and glassware.

Chicago note

At downtown hotels and large banquet halls, the catering staff usually sets and clears chargers, so check what they have in stock. At tents and backyards, volunteers often set tables, so a simple placemat or charger is easier than a complicated stack. In wind, lightweight placemats can lift, so use a charger or a weighted base.

Typical dinner plate
10.5 in
Typical dinner plate
Typical charger
12 to 14 in
Typical charger
Items at most under the napkin
3
Items at most under the napkin

Frequently asked questions

Do I need chargers if I have a tablecloth?

No. Chargers are optional. They add color and a finished look to plated dinners, but a tablecloth with a plate is complete on its own.

Can you use a placemat on a tablecloth?

You can, but it is unusual. A placemat on a cloth works best when the mat contrasts in texture or color, such as a woven mat on a white cloth for a casual brunch.

Do guests eat off the charger?

No. A charger is a decorative base plate. Dinner is served on the plate that sits on top, and the charger is cleared as service continues.

How big should a charger be?

Typically 12 to 14 inches, about 1.5 to 3 inches wider than a 10.5-inch dinner plate. Measure your plates before choosing.

Are placemats better than tablecloths for rustic weddings?

They suit the look when the table is attractive, but cloths and runners also work. Placemats are good when the table is wood and you do not want to cover it.

Who clears the chargers?

Servers, usually after the first course or before the main course. Check your caterer's service plan before you order.

Plan the place setting as a whole

Book a free 15-minute seating call and we will help plan linens, plates and chairs together, or request a quote.

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