The Plum Card® from American Express

The Plum Card® from American Express

on American Express's website

The Plum Card® from American Express

American Express is a NerdWallet Partner

The Plum Card® from American Express

The Plum Card® from American Express

on American Express's website

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Card details

  • Paying early pays off: get a 1.5% Early Pay Discount, with no cap on what you can earn back.

  • 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.

  • No Foreign Transaction Fees.

  • Introductory annual fee of $0 for the first year, then $250

  • Terms & Restrictions Apply.

Rates, fees & offers

  • Annual fee

    $0 intro for the first year, then $250

  • Rewards rate

    1.5%

  • Bonus offer

    None

  • Intro APR

    N/A

  • Ongoing APR

    Purchase: N/A

  • Foreign transaction fee

    None

Recommended credit score

Compare to other cards

NerdWallet rating 
NerdWallet rating 
NerdWallet rating 
Annual Fee

$0 intro for the first year, then $250

Annual Fee

$95

Annual Fee

$0 intro for the first year, then $95

Regular APR

N/A

Rates & Fees

Regular APR

15.99% - 22.99% Variable APR

Regular APR

13.99% - 23.99% Variable APR

Rates & Fees

Intro APR

N/A

Intro APR

N/A

Intro APR

0% intro APR on Purchases for 12 months

Recommended Credit Score
Recommended Credit Score
Recommended Credit Score

NerdWallet review

By Ben Luthi

Rating details

3.3

Editor's overall rating

Pros and cons

Pros
  • High rewards rate

  • No foreign transaction fee

Cons
  • Has annual fee

The Plum Card® from American Express offers a unique way for business owners to look at their accounts payable. It offers a 1.5% "early pay" discount on the portion of your balance that you pay within 10 days of your statement closing date. You can also choose to defer a portion of your balance for up to 60 days without incurring interest.

Unlike many American Express cards, The Plum Card® from American Express has no foreign transaction fees. However, it does have a relatively high annual fee: $0 intro for the first year, then $250. It's also a charge card, so you must pay your balance in full each month.

Check out our full review for more information on The Plum Card® from American Express.