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The Plum Card® from American Express

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Charge Card

This is a charge card and therefore the balance needs to be paid in full each month.

Annual Fee

$250

Rewards

Paying early pays off: get a 1.5% Early Pay Discount on your statement on the amount paid within 10 days of your statement closing date and no cap on what you can earn back. Just pay the Minimum Due by the Payment Due Date.

Take up to 60 days to pay with no interest, when you pay your minimum due by the Payment Due Date.

Use the power of the Plum Card to buy big for your business.

Terms & Restrictions Apply.

APR on Purchases

Not Applicable

Balance Transfer

Balance Transfers Not Allowed

WalletHub Review

by John Kiernan

September 22nd, 2022

Plum Card Pros & Cons

Solid rewards if you pay early

No foreign fee

High membership fees

No initial rewards bonus

Requires good/excellent credit

Must be paid in full each month

Plum Card Review

View 175 User Reviews

Plum Card's Additional Info

cash advance fee

Not Applicable

cash advance APR

Not Applicable

foreign transaction fee

smart chip

Yes, chip-and-PIN

max late fee

1.5% then 2.99% of the past due amount (min $39)

max overlimit fee

Not Applicable

max penalty APR

Not Applicable

grace period

Unknown

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at American Express' secure site

No Foreign Transaction Fees.

This American Express Card has no preset spending limit, giving you purchasing power that adjusts with your use of the card. No preset spending limit does not mean unlimited spending. Your purchases are approved based on a variety of factors including spending patterns, your payment history, your credit history, and financial resources known to us.

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at American Express' secure site

Questions & Answers

Can't find what you are looking for? Submit your question about The Plum Card® from American Express to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this card.

How can I log in to my Plum Card account online?

Upvotes

Chip Lupo, Credit Card Writer

You can log in to your Plum Card account by going to the login page on the American Express website or mobile app and entering your username and password in the appropriate fields. Then, click the “Log In” to access your online account.

How to Register for Online Access on your Plum Card Account

Register your Plum Card for online account access. Click “Create New Online Account” and enter your card number and 4-digit card ID to verify your card account.
Choose your Plum Card username and password. The username must be between 5 and 20 characters, including special characters, but no spaces. The password must contain from 8 to 20 characters and have at least one letter and one number. The password is not case sensitive and may contain special characters.
Log in with your new Plum Card credentials. From the login page on the American Express website or mobile app for iOS and Android, fill out the User ID and Password fields using your new credentials, and click “Log In” to access your account.

After you have signed up and logged in, you'll be able to manage your Plum Card account online. You can pay your card bill, see card statements, monitor account activity, and change account information such as passwords and automatic payments.

If you forget your login information, click “Forgot User ID or Password?” on the American Express login page. Then, just follow the prompts to reset or retrieve your username or password.

What are the American Express Plum card benefits?

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Joe Baird

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How much is the Plum Card annual fee?

Upvotes

Chip Lupo, Credit Card Writer

What is the Plum Card credit limit?

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Chip Lupo, Credit Card Writer

How do I make a Plum Card payment?

Upvotes

Chip Lupo, Credit Card Writer

How can I get a Plum Card cash advance?

Upvotes

Chip Lupo, Credit Card Writer

What's the American Express Plum card credit score requirement?

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Joyce Brown, WalletHub Credit Card Analyst

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Is the Plum Card a good first time credit card?

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Chip Lupo, Credit Card Writer

How hard is it to get the Plum Card?

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Chip Lupo, Credit Card Writer

How do I get the Plum Card welcome bonus?

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Chip Lupo, Credit Card Writer

Compare The Plum Card

The Plum Card® from American Express

GM Business Card™

Ink Business Cash® Credit Card

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Purchase Intro APRNot Offered

Purchase Intro APR0% for 12 months

Transfer Intro APRNot Offered

Regular APRNot Applicable

Regular APR16.24% - 26.24% Variable

Regular APR15.49% - 21.49% (V)

Rewards Rate1.5% Cash Back

Rewards Rate1 - 5% Cash Back

Apply Now

Rates & FeesTerms Apply

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Rates & Fees

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Plum Card Reviews

Share your insights and review the The Plum Card® from American Express

4.1

What's Your Rating?

Jeff Demasys
May 6, 2022 • @demasys

This card is a complete NIGHTMARE!!! Its a debit card with a high fee to use. We are never able to make more than 5 charges max. When we got the card our limit was surprisingly 1K. after about 6 months of calling and complaining we got it to cap at 5K, as of today its 2K. The credit limit is based on what you use, yet they decrease it for some random reason. Every month I have to call in to ask why my card transactions are being declined. Pain! Pain! Pain! Pain! the response is its total past amount used based, Humm. our credit limit is going down while our credit is perfect. Went to a competitor NOT ONE PROBEM.

Want problems use this get this card

Comment

John Valerio
March 28, 2012 • @john.valerio.71

Warning about the Plum card for your Readers:

I just got the Plum Card and was made aware of something that the Customer Service Rep wasn't aware of until I pressed the issue and he had to find out the answer from a supervisor:

The 1.5% is strictly applied to payments within the first 10 ten days after the monthly cycle closes. The caveat there is that payments made during the monthly cycle do not get the discount reward. That's an important distinction that will not necessarily be clear to anyone reading about the card and I think you should know that. I now realize that if I pay "too early", the discount doesn't apply. I was very disappointed. AMEX charge cards may not have a preset limit but they do have limits based on spending patterns. If I have $5000 available and use that in the first week of the monthly cycle on unforeseen expenses with several auto-debits still to come, I need to pay down the balance quickly within a few days and thus NOT get the discount on that payment. The discount only applies to the ENDING BALANCE. Now, if you have a stratospheric limit on the card, it won't matter. But for many small business owners juggling expenses and spending limits while trying to get maximum rewards, this can and will be a nuisance. Applicant beware.

Comment

Margie Cole
March 29, 2012 • @margie.cole.52

Hmm, the Amex Plum Card is very interesting to me. It’s obviously different than most charge cards in that it seems like you don’t necessarily have to pay your bill in full at the end of the month. The Pay Early Discount of 1.5% off your tab if you pay in full within 10 days of a billing cycle ending and the option to only pay 10% and pay off the rest over two months without interest sure makes it seem that way. Then there’s what John said, the whole deal with Amex not giving you the 1.5% when you pay too early, before your billing cycle ends. What? You can pay too early to get a Pay Early Discount? Really? In principle, that just makes me mad. The rest of the Plum Card doesn’t really make up for that in my mind either. I don’t really like when rewards cards give you ranges because I like to know exactly what I’m getting. Plus, you can do better than the American Express Plum Card’s rewards with a number of other business rewards cards, including the Cap One Spark Cash for Business and the Amex Simply Cash. So when all is said and done I guess I vote no on the American Express Plum Business Credit Card.

Comment

+ 173 users submitted a rating without writing a full review

Review The Plum Card® from American Express

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The Plum Card® from American Express

The Plum Card® from American Express

Accepted Credit Scores

Charge Card

Annual Fee

Rewards

APR on Purchases

Balance Transfer

WalletHub Review

Plum Card Pros & Cons

Plum Card Review

Plum Card's Additional Info

Questions & Answers

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