Joyce Brown, WalletHub Credit Card Analyst
The Plum Card credit score requirement is at least 700. That means you need good credit or better for a decent shot at approval.
What you should know about the Plum Card credit score and other approval requirements:
- Your personal credit score is taken into consideration. Although Plum Card is a business credit card, you’re personally responsible for paying off balances on this card. As a result, Amex considers your personal credit history (along with that of your business credit) when you apply.
- Credit score required: A 700 credit score or better is required for approval. That means applicants need at least good credit to get this card.
- Other Factors: Apart from your credit score, there are other factors that could impact your chances of approval. Some other key criteria include your income, existing debt load and recent credit inquires.
If you excel in other areas, you might be able to get approved with a slightly lower credit score in some cases. But it’s best to wait to apply until you meet the Plum Card credit score requirement. You can check your credit score for free, right here on WalletHub.
The Plum Card® from American Express
Sue Annes, Member
To insure your approval, your credit score should be about 740. You could try applying even if your score is lower than that, but it should still be in the 700s.
Mark Reffo, Member
700-ish should be good enough to get approved for it. Your income and entire report will obviously be taken into account before they make a decision, but also to set up your credit limit.
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