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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 7.7 out of 10. This score is based on our evaluation of 25 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...

The Points Guy
The Points Guy

The main value of the Plum Card from American Express is its simplicity; there's no credit limit to navigate, and it earns 1.5% back on eligible early payments. However, since you can earn 1.5% back (or more) with several different no-annual-fee business credit cards, the Plum card is rarely a good...

- Chris Nelson, Chris Dong, The Points Guy

The Amex Plum fits a very specific demographic. A business owner without consistent monthly cash flow might realistically need the option for 60 days to pay. But applying for this card probably makes sense only for business owners who can also take enough advantage of the 1.5% early pay discount to...

- Samantha Holland, AwardWallet

The Plum Card® from American Express is limited in terms of rewards, but it is ideal for businesses looking for payment flexibility.

- Brett Holzhauer, MoneyGeek

Anyone who owns a small business knows that managing cash flow and constant unpredictability can be challenges, but The Plum Card® from American Express allows business owners to better handle their finances with benefits like flexible payment options and discounts for paying early. For any entrepre...

- 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 card balance could be helpful to make up for gaps in cash flow. The P...

- 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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