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The Plenti® Credit Card from Amex

The Plenti® Credit Card from Amex

1.8WalletHub Rating

WalletHub Rating

1.8

This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Finance New Purchases." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.

Editor’s Rating

2.8

User Reviews

3.3

Market Comparison

1.5

fees: 4.3

rewards: 0.0

cost: 0.6

APR: 2.0

TermsReviewsFAQContact

WalletHub Rating

1.8/5

The Plenti® Credit Card from Amex has a rating of 1.8/5 according to our proprietary credit card rating system. This rating reflects how appealing The Plenti® Credit Card from Amex's terms are compared to a pool of more than 1,500 credit card offers tracked by WalletHub. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is 'Finance New Purchases'. To break it down further, The Plenti® Credit Card from Amex earned a score of 4.3/5 for Fees, 0.0/5 for Rewards, 0.6/5 for Cost, 2.0/5 for APR, and 3.3/5 for User Reviews.

WalletHub Rating Breakdown

User Reviews

3.3/5

62 reviewsRead and write reviews

Editor’s Review

2.8/5

John Kiernan, Credit Card EditorRead full review

Market Comparison

1.5

The Market Comparison is a key component of the WalletHub Rating, as it measures how appealing the terms of a card are compared to a pool of over 1,500 credit card offers monitored by WalletHub. To ensure cards are evaluated for their most relevant purpose, we score each card across various cardholder needs and select the rating for the need with the highest score, which is “Finance New Purchases” for this card.

Fees

4.3

Rewards

0.0

Cost

0.6

APR

2.0

1.5/5

Compared against 1,500+ credit cards

KEY TERMS

Excellent Credit, Good Credit

Annual Fee

APR on Purchases

0% intro APR for 12 months, 15.99% - 25.99% (V) APR after that

Balance Transfer

APR: 15.99% - 25.99% (V)

Balance Transfer Fee 3% (min $5)

Rewards

Earn 5,000 Plenti® points after you spend $250 in purchases on your Plenti® Credit Card from Amex within your first 3 months of Card Membership.

Earn 3 points at U.S. supermarkets (on up to $6,000 per year in purchases, then 1 point), 2 points at U.S. restaurants and 1 point on other purchases.

You must finish signing up for the Plenti rewards program to apply for the Plenti Credit Card from Amex.

The Plenti® Credit Card from Amex's Additional Info

Entertainment Access® - Stay in the know with exclusive access to ticket presales and Card Member-only events in a city near you.

Travel benefits: Global Assist® Hotline, Roadside Assistance Hotline, Car Rental Loss and Damage Insurance and Travel Accident Insurance.

Shopping benefits: Return Protection, Extended Warranty and Purchase Protection.

Editor's Review
Fact checked

John Kiernan

February 2nd, 2026

Fact Checked by Alina Comoreanu

Senior Researcher

The Plenti® Credit Card from Amex Pros & Cons

No membership fees

0% intro APR on purchases

High rewards rate

5,000 points initial rewards bonus

Spending caps on rewards

No intro APR on balance transfers

Balance transfer fee

Foreign fee

The Plenti® Credit Card from Amex Review

Small bonus, but it’s easy to get. The average credit card with an initial rewards bonus offers nearly 17,000 points/miles or just over $100 cash back. And the best credit card deals offer $400+ in initial-bonus value. The American Express Plenti Card is near the back of the pack, however, offering just 5,000 bonus points (worth about $50). But you only have to spend $250 within three months of opening an Amex Plenti account to qualify. And that may be attractive to very light spenders.

Run-of-the-mill 0% offer. The Plenti Amex Card offers a 0% intro rate on new purchases that lasts for the first 12 months your account is open. That could help you save some money on a big-ticket purchase, considering that Plenti’s 0% intro term is a couple of months longer than average. But it’s also no reason to apply. Hundreds of other credit cards offer 0% intro rates for at least as long.

Solid supermarket rewards. The Plenti Card gives you 3 points per $1 for the first $6,000 you spend at U.S. supermarkets each year (1 point per $1 spent after that), plus 2 points per $1 spent at restaurants and 1 point per $1 spent on everything else. For context, the average rewards card offers 1.16 points per $1 on all purchases, according to WalletHub’s latest Credit Card Landscape Report.

Points expire. Plenti points are uniquely flexible in the sense that you can use them directly to pay for purchases at partners such as Macy’s and Rite Aid. But there’s a major downside, too. Plenti points expire after two years, so you’d better make sure to redeem regularly if you get this card.

No annual fee, but potential for a high rate. The Plenti Card’s lack of an annual fee will help you keep costs down, but that will only go so far if you don’t pay your bill in full every month. Amex Plenti’s regular APR has the potential to be well above the market average for a card that requires good credit for approval, according to WalletHub research, and nearly double what someone with excellent credit can expect to pay.

Make sure to check your credit score. You won’t be able to qualify for the American Express Plenti Credit Card if you have fair, limited or bad credit. So it’s a good idea to check your credit score, which you can do for free on WalletHub, before submitting an application.

Compare The Plenti® Credit Card from Amex vs. Popular Alternatives


1.8WalletHub Rating WalletHub Rating 1.8 This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Finance New Purchases." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs. Editor’s Rating 2.8 User Reviews 3.3 Market Comparison 1.5 fees: 4.3 rewards: 0.0 cost: 0.6 APR: 2.0	4.2WalletHub Rating WalletHub Rating 4.2 This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Finance New Purchases." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs. Editor’s Rating 4.5 Market Comparison 4.1 fees: 4.0 rewards: 5.0 cost: 4.3 APR: 3.8	4.0WalletHub Rating WalletHub Rating 4.0 This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Gas Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs. Editor’s Rating 4.2 User Reviews 3.5 Market Comparison 4.1 fees: 5.0 rewards: 3.9 cost: 4.2 Other Features: 0.0
(62)	(6)	(44)
annual fee$0	annual fee$0	annual fee$0
Purchase Intro APR0% for 12 months	Purchase Intro APR0% for 15 months	Purchase Intro APR0% for 12 months from account opening
transfer intro aprNot Offered	transfer intro apr0% for 15 months\|Transfer Fee: 3% intro fee ($5 min) for each transfer in first 4 months, after that 5% ($5 min) for each transfer	transfer intro aprNot Offered
Regular APR15.99% - 25.99% (V)	Regular APR18.49% - 28.49% (V)	Regular APR18.49%, 24.49%, or 28.49% Variable
rewards rate 1 - 3 points / $1	rewards rate 1 - 5 points / $1	rewards rate 1 - 3 points / $1
bonus offer5,000 points	bonus offer 20,000 points	bonus offer 20,000 points
Add to Compare	Add to Compare	Add to Compare
	Sponsored Apply Now Rates & Fees	Sponsored Apply Now Rates & Fees

Questions & Answers

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The Plenti® Credit Card from Amex Reviews

Share your insights and review for The Plenti® Credit Card from Amex

3.3

What's Your Rating?

dawn1977
February 28, 2016 • @dawn1977

The main reason that I signed up for the amex plenti card is because of the bonus. I was really excited to get the special bonus. I still use the card from time to time. I wish more points were given per dollar spent. I enjoy the live chat feature that is on the amex website. They are always quick to respond whenever I have questions. Its much easier and faster than calling customer service. I can pay my bill online every month very easily. I would definitely recommend the amex plenti card to everyone. I am very happy with it.

Comment

+ 61 WalletHub users submitted a rating without writing a full review

Review The Plenti® Credit Card from Amex

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Offer last updated: Feb 2nd, 2026 at 18:15 ET

The Plenti® Credit Card from Amex

The Plenti® Credit Card from Amex

Credit Score

Annual Fee

APR on Purchases

Balance Transfer

Rewards

The Plenti® Credit Card from Amex's Additional Info

Editor's ReviewFact checked

The Plenti® Credit Card from Amex Pros & Cons

The Plenti® Credit Card from Amex Review

Compare The Plenti® Credit Card from Amex vs. Popular Alternatives

Questions & Answers

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The Plenti® Credit Card from Amex Reviews

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