The best 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 Plum Card benefits:

• Pay early or late: 1.5% discount on balances paid before the due date (at least 10 days in advance). And 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.
• 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 American Express Plum Card's credit score requirement is “good” or better. That means you need a credit score of 700+ for a realistic shot at approval. It is possible to get Amex Plum with lower scores, as the good credit range is generally thought to start at 660. But... show more

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... show more