Advertiser Disclosure

The Plum Card® from American Express

Learn More

Rates and Fees

Annual Fee: $250

Bonus Miles

Recommended Credit

670 - 850

Current Offer

No welcome offer.

✅ Check if you're pre-approved or eligible for elevated offers using the CardMatch Tool

Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.

No welcome offer.

Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.

For American Express products listed in this page, 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.

Summary

The Plum Card® from American Express is a unique business credit card that offers flexibility in managing business expenses. It allows you to choose when you pay your statement balance, offering a discount for early payment. This flexibility can be valuable for businesses looking to manage cash flow effectively. It's ideal for small business!

Earning Rewards

Paying early pays off: Earn unlimited 1.5% Early Pay Discount on eligible charges paid 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 Payment Due Date.

‍

Additional Benefits

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

Foreign Transaction Fee

None

Also consider

Capital One Spark Miles for Business

Annual Fee: $95

Rates & Fees | Terms Apply

50,000

Bonus Miles

Earn 50,000 bonus miles once you spend $4,500 in the first 3 months.

50,000

Bonus Miles

Earn 50,000 bonus miles once you spend $4,500 in the first 3 months.

The Capital One Spark Miles for Business credit card is a travel-focused business card that offers flexible miles-earning options and valuable travel benefits, making it an ideal choice for businesses with a focus on frequent travel and rewards.

✅ Check if you're pre-approved or eligible for elevated offers using the CardMatch Tool

🚀 Learn How to Apply

👀 Read Our Take

Capital One Spark Cash Plus

Annual Fee: $150

Rates & Fees | Terms Apply

$2,000

Cash Back

Earn a one-time cash bonus of $2,000 once you spend $30,000 in the first 3 months. Earn an additional $2,000 cash bonus for every $500K spent during the first year. You can earn this bonus multiple times over the course of year 1!

$2,000

Cash Back

The Capital One Spark Cash Plus is a business credit card designed for small and large businesses alike, offering unlimited 2% cash back on all purchases, making it an excellent choice for companies looking to maximize their rewards on business spending.

✅ Check if you're pre-approved or eligible for elevated offers using the CardMatch Tool

🚀 Learn How to Apply

👀 Read Our Take

The Plum Card® from American Express

CURRENT OFFER

No welcome offer.

✅ Check if you're pre-approved or eligible for elevated offers using the CardMatch Tool

Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.

Learn More Rates & Fees

REWARDS RATE

ANNUAL FEE

Our Score

Annual fee (20%)

Welcome Offer (20%)

Point Redemption Value (20%)

Rewards Rates (15%)

Benefits (15%)

Travel Protections (10%)

My Take

Comparable Cards

No items found.

FULL COMPARISON

Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.

Pros & Cons

Pros

Flexible payment options with an early pay discount
No preset spending limit, allowing for flexibility in business spending
Access to expense management tools for businesses
Rewards may include discounts on your annual fee based on spending

‍

Cons

Comes with an annual fee
The card's unique features may not be suitable for all business needs

‍

Rewards Summary

Paying early pays off: Earn unlimited 1.5% Early Pay Discount on eligible charges paid 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 Payment Due Date.

‍

Additional Benefits

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

Customer Reviews & Redemptions

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