How much is the Plum Card annual fee?

The best American Express Plum Card benefits start with a 1.5% discount on balances paid before the due date. You also get several types of insurance, including travel insurance, rental car coverage, and purchase protection.

Here are the top American Express Plum Card benefits:

• Pay early or late: 1.5% discount on balances paid before the due date (at least 10 days in advance). Plus, you can carry a balance for up to 60 days without paying interest. Just remember that in both cases, you have to pay at least the minimum amount required by the due date.… read full answer
• Car rental insurance: You’re covered up to a preset limit if a car you rent with the Plum Card is damaged or stolen. Just refuse the rental company’s insurance to activate your coverage.
• Purchase protection: Replaces, repairs, or reimburses you for eligible items purchased with the Plum Card, up to a preset amount, for 90 days from the date of the purchase, due to covered reasons.
• Extended warranty: You get up to one extra year on warranties of five years or less for eligible items purchased with the Plum Card.
• Return protection: If you want to return an eligible item you bought with your Plum Card within 90 days and the store won’t let you, American Express may refund the full purchase price, up to a preset amount per item and calendar year.
• Employee cards: You can get additional cards for your employees. Plus, you can set custom spending limits for employee cards, freeze individual cards, and receive employee spending alerts.
• Expense tracking tools: You can download the Amex Business App to keep track of receipts and manage cards from your phone. If you have QuickBooks, you can enroll in Connect to QuickBooks and your Plum Card transactions will automatically transfer to your account. You also get a year-end summary of charges.

Those are the most valuable Plum Card benefits. To view more details about Plum Card benefits, visits the Amex benefits web page, select a benefit and click on the Plum Card to view details.

The easiest way you can apply for the American Express Plum Card is either online or by phone at (800) 528-4800. Alternatively, you can respond to a mail offer.

Here’s how to apply for the Plum Card

• Online: To apply for the Plum Card online, click the “Apply Now” button, then enter the requested personal and financial information, review the card’s terms, and submit the application.… read full answer
• Phone: To apply over the phone, call American Express at (800) 528-4800. Say “apply” when prompted. Then, you will be connected with an American Express representative who will help you fill out your application.
• Respond to a mail offer: To respond to a mail offer, visit the dedicated web page. Another option would be to fill out the application and mail it back in the addressed, postage-paid envelope that came with the offer.

Once you apply for the Plum Card, you will likely get an instant decision, though it could take a few days or even a few weeks to hear back in some cases. If your application is approved, you should receive your card in the mail within 7 to 10 business days. And if you don’t hear back right away, you can check your application status online anytime.

Yes, American Express offers several metal cards. Some notable American Express metal card offers are The Platinum Card® from American Express, the American Express® Gold Card and the Delta SkyMiles® Platinum American Express Card, among others.

American Express Metal Credit Card Offers

• The Platinum Card® from American Express
• American Express® Gold Card
• Delta SkyMiles® Platinum American Express Card
• Delta SkyMiles® Reserve American Express Card
• Marriott Bonvoy Brilliant® American Express® Card
• Centurion® Card from American Express
• The Business Platinum Card® from American Express
• American Express® Business Gold Card
• Delta SkyMiles® Platinum Business American Express Card
• Delta SkyMiles® Reserve Business American Express Card
• Amazon Business Prime American Express Card

Keep in mind that although metal credit cards look cool, you shouldn’t apply for a card just because it’s made of metal. You should make sure that any metal credit card you get also has worthwhile perks and is a card that fits your individual needs and budget.… read full answer

If metal isn't a top priority, free to also take a look at our editors' picks for the best American Express credit cards, and choose one according to your individual needs. And if you're not tied to Amex as an issuer, you can also check out WalletHub's CardAdvisor tool to get personalized credit card recommendations.