The Plum Card® from American Express
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card_name is not your typical small business credit card. In fact, it's not a credit card at all but a charge card. This means that every purchase you make MUST be paid off within the grace period. This card includes a 1.5% Early Pay Discount.
Our Rating
3.8/5.0
Welcome Offer
Paying early pays off: get an unlimited 1.5% Early Pay Discount on eligible charges within 10 days of your statement closing date and see the discount applied to your next statement when you pay at the least the Minimum Payment Due by the Please Pay By date.
Annual Fee
$250‡
0% on Purchases
N/A
Reward Rate
0 - 1.5%
0% on Balance Transfers
N/A
Welcome Offer
N/AFeatures & Benefits
Security | EMV Chip Enabled, Alerts |
Contactless Payments | Tap to Pay, Apple Pay, Google Pay, Samsung Pay |
Benefits | Extended Warranty Coverage, Purchase Protection, Choose your due date, 24/7 customer service |
Travel Perks | Auto Rental Collision Damage Waiver, Emergency Travel Assistance |
Rewards
Interest Rates & Fees
Annual Fee | $250‡ |
Foreign Transaction Fee | None |
Regular APR | N/A (V) APR |
Insurance
Extended Warranty
When an American Express® Card Member charges a Covered Purchase to an Eligible Card, Extended Warranty§ can provide up to one extra year added to the Original Manufacturer’s Warranty. Applies to warranties of five (5) years or less. Coverage is up to the actual amount charged to your Card for the item up to a maximum of $10,000; not to exceed $50,000 per Card Member account per calendar year.
- Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.
- Please visit americanexpress.com/benefitsguide for more details.
- Underwritten by AMEX Assurance Company.
Return Protection
With Return Protection, you may return eligible purchases to American Express if the seller won't take them back up to 90 days from the date of purchase. American Express may refund the full purchase price excluding shipping and handling, up to $300 per item, up to a maximum of $1,000 per calendar year per Card account, if you purchased it entirely with your eligible American Express® Card. Purchases must be made in the U.S. or its territories.
- Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.
- Please visit americanexpress.com/benefitsguide for more details.
Purchase Protection
When an American Express® Card Member charges a Covered Purchase with their Eligible Card, Purchase Protection can help protect their Covered Purchases for up to 90 days from the Covered Purchase date if it is stolen or accidentally damaged. The coverage is limited up to $1,000 per occurrence, up to $50,000 per Card Member account per calendar year.
- Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.
- Please visit americanexpress.com/benefitsguide for more details.
- Underwritten by AMEX Assurance Company.
What Credit Score Is Required to Get the The Plum Card® from American Express
- No foreign transaction fee
- Up to 1.5% Early Pay Discount
- Annual fee
- No welcome bonus
- Requires good credit
What Are the Best Alternatives?

The American Express Blue Business Cash™ Card
Rating
4.6
Rewards Range
1% - 2%
Annual Fee
No annual fee

Ink Business Unlimited® Credit Card
Rating
4.9
Rewards Range
1.5%
Annual Fee
$0

Capital One Spark Cash Select for Excellent Credit
Rating
4.7
Rewards Range
1.5% - 5%
Annual Fee
$0