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The Plum Card® from American Express OPEN

The Plum Card® from American Express OPEN

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4.0/5.0 from 10 Offer Ratings
Over the Past 60 Days!

(10) Over the Past 60 Days!

  • Regular Purchase APR N/A
  • Intro Purchase APR N/A
  • Intro BT APR N/A
  • Annual Fees $0 for the first year, then $250
  • Credit Needed


  • Card Brand American Express

Card Details


  • Click "APPLY NOW" to apply online
  • Paying early pays off: Get a 1.5% discount when you pay early, with no cap on what you can earn back.
  • Take up to 60 days to pay with no interest, if you pay your minimum due.
  • Use the power of the Plum Card to buy big for your business.
  • Unlock new opportunities with a spending limit that can grow with your business.
  • Additional Employee Cards at no annual fee - and an early pay discount on employee spending.
  • No Foreign Transaction Fees.
  • Introductory annual fee of $0 for the first year, then $250
  • Terms & Restrictions Apply.
  • See Rates & Fees

Card Fees

Late Payment Fees 1.5% then 2.99% of the past amount due (minimum $38)

Foreign Transaction Fee None

Balance Transfer Fee N/A

Cash Advance Fee N/A

Returned Payment Fee $38

Penalty APR N/A

Minimum Interest Charge $0.00

Ongoing Information

Rewards Cap Non-rewards card

Rewards Rate Get a 1.5% discount when you pay early

Annual Fee $0 for the first year, then $250

Purchase Grace Period 20 days

Additional Card Details

$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 Yes

Concierge Service No

Expert Reviews

From the Editorial Team

The Plum card 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. You can earn a 1.5% discount if you pay the card balance early, or if you are not able to pay your card balance right away, you can wait 60 days without incurring any interest charges.

Cardholders won't have to pay an annual fee the first year of card membership, which is $250 each year after. This gives customers the time to make large purchases without paying anything extra for them. All in all, this could be a great card for your business transactions.

The Plum Card 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. 

Expert Reviews of the The Plum Card® from American Express OPEN

  • Regular APR

  • Intro APR

  • 4.0


  • 4.0


  • star rating 4.0/5

    Overall Rating

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.

The Good

Just about every feature for the Amex Plum Card fits the "good" category. You can earn a 1.5% 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

The Plum card does charge a $250 annual fee after the first year, so make sure you will get enough out of it to compensate for that. If you don't pay off your balances early, this won't likely be the right card for you. You need excellent credit to qualify for this card.

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.

Consumer Reviews

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