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Plum Card® from American Express review

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Advertiser Disclosure

Annual Fee
Interest Rate: Purchases
Interest Rate: Purchases
Balance Transfer
Balance Transfer
Signup Bonus
Signup Bonus

Informr score
The Plum Card® from American Express currently has an Informr score of 8 out of 10. This score is based on our evaluation of 22 sources including reviews from users and the web's most trusted critics.

Am I eligible?

Plum Card® from American Express is typically available to those with good credit scores (650 or greater).
To get this card, you must also:
Yes Be a permanent or temporary resident of USA

Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.

What the Critics Are Saying...

Fit Small Business
Fit Small Business

The Plum Card® from American Express is best for business owners who want a charge card that offers flexibility, no preset spending limit, and no interest for 60 days. If you don’t opt into the 60-day extended term, the balance needs to be paid in full every month.

- Benilyn Formoso - Suralta, Fit Small Business

The is worth a look if you're interested in a business charge card that offers flexible payment terms. Getting rewarded when you pay early is a nice incentive to consider this card if you're good about staying on top of your monthly due dates. You may want to consider a business credit card with a r...

- Rebecca Lake, MyBankTracker

Instead of rewards, you can secure an unlimited 1.5 percent discount on the portion of your balance that you pay within 10 days of your account statement closing date. The Plum Card doesn’t come with many benefits, but the early payment discount could be lucrative for businesses who spend a lot on p...

- Holly D. Johnson, Bankrate

Business owners with excellent credit who periodically need to carry a balance on their credit card to account for cash flow issues should take a look at this card. If you have more expenses than usual or business is slow, The Plum Card® from American Express may help you account for some of the sho...

- Brooklyn Lowery,

If you are a small- to medium-sized business that invoices clients, invoices customers, or purchases inventory to sell, it may take you some time to get paid for your product or services. Having a longer period of time to pay your credit card balance could be helpful to make up for gaps in cash flow...

- Brett Holzhauer, FinanceBuzz


Interest Rates
Regular APR Interest Rate
  • No interest charges because you pay your balance in full each month.
  • Get a 1.5% early pay discount with no cap.
Balance Transfer Interest Rate

No interest charges because you pay your balance in full each month.

Cash Advance Interest Rate

No interest charges because you pay your balance in full each month.

Rates & Fees
Annual Fee $250.00
Balance Transfer Fee $0.00
Cash Advance Fee $0.00
Foreign Transaction Fee $0.00
Over Limit Fee $0.00
Late Payment Fee 1.5%

then 2.99% of the past due amount, minimum of $39

Sign up bonus No
All Purchases No
Restaurants No
Gas No
Groceries No
Hotels No
Travel No
Pharmacy No
Bills No
Additional Details
Features & Benefits
Additional Card Holders

The maximum number of Additional Cards issued on each Account is 99.

Travel Accident Insurance No
Car Rental Insurance Yes
Car Rental Discount No
Extended Warranty Yes
Purchase Protection Yes
Zero Liability No
No Foreign Transaction Fees Yes
Emergency Assistance Yes
Concierge Service No
Price Protection No
Fraud Protection No
Free Credit Scores No
Wireless Payments No
Virtual Cards Yes
Additional Benefits
  • Baggage Insurance Plan
  • Pay Early For a 1.5% Early Pay Discount with no cap
  • Take up to 60 days to pay with no interest
  • Return Protection
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
Additional comments -
Terms & Conditions Official Terms & Conditions
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Information in this article is believed to be accurate at the time it was written, but terms and conditions may change at any time. All information is presented without warranty or guarantee. Please verify all terms and conditions of any credit card prior to applying.

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