The Plum Card® from American Express

The Plum Card® from American Express

Apply Now

on American Express's secure site

Rates & Fees | Terms Apply

The Plum Card® from American Express

Apply Now

on American Express's secure site

Rates & Fees | Terms Apply

The Plum Card® from American Express Review

The Plum Card® from American Express is an excellent option for business owners with established credit. If you choose to pay off your card balance early, you can receive a nice discount on the money you owe. To see rates & fees for The Plum Card® from American Express please click here.

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Rated 4/5.0 stars by our editorial team

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Our editors rate credit cards objectively based on the features the credit card offers consumers, the fees and interest rates, and how a credit card compares with other cards in its category. The ratings are the expert opinion of our editors, and not influenced by any remuneration this site receives from card issuers.

The Plum Card® from American Express

An Advertising Partner
  Apply Now
The Plum Card<sup>®</sup> from American Express
Apply Now

on American Express's secure site

Rates & Fees | Terms Apply

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The Plum Card® from American Express

An Advertising Partner

WELCOME OFFER

N/A

REWARDS RATE

N/A

Early Pay Discount

Receive 1.5% discount for paying early*

Pay Later

Take up to 60 days to pay with no interest*

Extra Perks

No foreign transaction fees & no fee for extra employee cards*

Annual Fee

$250‡

Card Brand

American Express

Recommended Credit Score

Good/Excellent

Highlights

  • Paying early pays off: get an unlimited 1.5% Early Pay Discount on eligible charges within 10 days of your statement closing date and see the discount applied to your next statement when you pay at the least the Minimum Payment Due by the Please Pay By date.
  • Take up to 60 days to pay with no interest‡, when you pay your minimum due by the Payment Due Date.
  • Use the power of the Plum Card to buy big for your business.
  • No Foreign Transaction Fees.‡
  • Terms & Restrictions Apply.

Additional Info

Foreign Transaction Fee

None

Balance Transfer Fee

N/A

$0 Fraud Liability

No

Auto Rental Insurance

Yes

Extended Warranty Program

Yes

Roadside Assistance

Yes

Purchase Protection

Yes

Travel Assistance

Yes

Flight Accident Insurance

Yes

Lost Luggage Reimbursement

No

Concierge Service

No

See your approval odds before you apply
There's no impact to your credit

Expert Review

Editor's Overall Rating

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Our editors rate credit cards objectively based on the features the credit card offers consumers, the fees and interest rates, and how a credit card compares with other cards in its category. The ratings are the expert opinion of our editors, and not influenced by any remuneration this site receives from card issuers.

4

         

From the LendingTree editorial team, updated on Nov 29, 2023

The Plum Card® from American Express is run on a discount system, meaning that you can lower the bill you have to pay if you comply with certain guidelines from American Express. On the flip side, if you are not able to pay your card balance right away, you can wait 60 days without incurring any interest charges.

This card has a $250‡ annual fee. All in all, this could be a great card for your business transactions.

The Plum Card® from American Express is also backed by American Express's excellent customer service, and allows cardholders to manage their accounts online. As a business owner on-the-go, this convenience can streamline your accounting for you. 

To see rates & fees for The Plum Card® from American Express please click here.

The Good

  • Just about every feature for the this card fits the "good" category. You can earn a discount if you pay off the card balance early, or you can wait a full 60 days to gather the funds and nix the discount.

The Not So Good

  • This card does charge a slightly higher annual fee, so make sure you will get enough out of it to compensate for that. Furthermore, if you don't pay off your balances early, this might not be the right card for you. You need excellent credit to qualify for this card.

The Bottom Line

The Plum Card® from American Express is an excellent option for business owners with established credit. If you choose to pay off your card balance early, you can receive a nice discount on the money you owe. To see rates & fees for The Plum Card® from American Express please click here.


Editorial Note: This content is not provided by American Express. Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by American Express.

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