The Plum Card® from American Express

Apply for The Plum Card® from American Express Apply now for The Plum Card® from American Express at American Express's secure site Terms & restrictions apply. See rates & fees

BEST FOR PAYMENT FLEXIBILITY WITH NO INTEREST

The Plum Card from American Express is a card that offers the flexibility to pay in full each month or the ability to carry a balance for up to 60 days with no interest. This perk alone is valuable to certain cardholders who need more time to pay off their balances. (Partner offer)

At a glance

  • 1.5% Earn an 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.
no offer
$250?
670-850
Good, Excellent
  • Paying early pays off: earn an 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.
  • Take up to 60 days to pay with no interest‡, when you pay your minimum due by the Payment Due Date.

At a glance

  • 1.5% Earn an 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.
no offer
$250?
670-850
Good, Excellent
  • Paying early pays off: earn an 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.
  • Take up to 60 days to pay with no interest‡, when you pay your minimum due by the Payment Due Date.
  • No Foreign Transaction Fees.‡
  • Terms Apply. Learn More.
Apply now for The Plum Card® from American Express at American Express's secure site Terms & restrictions apply. See rates & fees

Our Take

TPG Editor's Rating

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2/5

Overview

The Plum Card from American Express is focused on optimizing payments. You can choose your own billing cycle, and there’s no preset spending limit. This card is ideal for consumers with large expenses that go beyond traditional lines of credit.

Read the full review

Pros

  • Earn unlimited 1.5% cash back on the portion of your balance that you pay within 10 days of your statement closing date (offering the ability to choose your own billing cycle), or you can choose to carry a balance on this card for up to 60 days and accrue no interest
  • No preset spending limit unlike most cards
  • No foreign transaction fees

Cons

  • $250 annual fee
  • Very limited benefits for a card that comes with a pretty high annual fee
  • No welcome offer
  • You will not earn 1.5% cash back if you do not pay off your balance within 10 days of your statement closing date

Who is this card good for?

With a $250 annual fee and limited rewards-earning opportunities, this card isn’t for most consumers. But if you’re in need of a card that offers payment flexibility and no preset spending limit, the Plum Card is a great choice.

Earning Rewards

If you pay your statement early, you can earn 1.5% cash back on the portion of the balance you pay within your statement closing date.