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American Express Plum Card Credit Card Reviews & Info

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Contact Information

  • Telephone: 1 (800) 528-4800
  • E-Mail: Online chat available after login
  • Mailing Address: American Express // P.O. Box 981540 // El Paso, TX // 79998-1540

The American Express Plum Credit Card offers two unique payment options you can use individually or together to help you meet your business needs each month (1.5% discount when you pay early and an extra 60 days to pay, with no interest). The card is free for the first year and after that it has an annual fee of $250.

Card Information



Signup Bonus


Annual Fee

$0 introductory annual fee for the first year, then $250

Cash Advance APR

25.99% variable with the market based on the Prime Rate (Prime Rate + 21.99%).

Late Payment Fee


Purchases APR

15.99%, 17.99% or 19.99% based on your creditworthiness as determined at the time of account opening and variable upon the Prime Rate.

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Pros and Cons


+ 1.5% Early Pay Discount with no cap or Extra Days to Pay with no interest
+ $0 annual fee for Employee Cards
+ No Foreign Transaction Fees


- $250 annual fee after the introductory period
- No rewards
- No signup bonus

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2 Reviews

American Express Plum Card Credit Card Overall rating: ★★★★★ 4.5 based on 2 reviews
5 1

no rewards - high annual fee

4 5 1
This card has no rewards at all. The low interest options are OK but not worth the yearly payment the bank asks for.

great for my enterprise

5 5 1
The Plum is a very useful option for startups and small businesses. In my case it has been very helpful.
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