A charging system for an electric vehicle includes: a memory configured to store terminal clamp voltage (CV) and a cutoff current (CC) combination pairs; a charging receptacle configured to connect to an offboard charging station; and an onboard charging circuit. The onboard charging circuit includes: a high-voltage direct current bus connected to a rechargeable energy storage system; and a control module configured to communicate with the offboard charging station and determine charging capabilities of the offboard charging station and the onboard charging circuit, to select one of the CV and CC combination pairs based on the charging capabilities of the offboard charging station and the onboard charging circuit, and to initiate charging of the rechargeable energy storage system based on the selected one of the CV and CC combination pairs.