We study the rare top-quark decay t --> ch, where h is a generic Higgs boso
n, at a linear collider. If kinematically accessible, all models contain th
is decay at some level due to quark flavor mixing. Some models, such as Mod
el III of the two-Higgs doublet model, have a tree-level top-charm-Higgs co
upling, and the branching ratio is close to 0.5%. Others, such as the MSSM,
have a coupling induced at one-loop, and can have a branching ratio in the
range of 10(-5)-5 X 10(-4). We find that a linear collider of roots = 500
GeV and a luminosity of 500 fb(-1) will begin to be sensitive to this range
of the coupling. (C) 2001 Elsevier Science B.V. All rights reserved.