The Plum Card® from American Express

The Plum Card® from American Express

Do Business On Your Terms

$0 introductory annual fee for the first year, then $250
$0 annual fee for Employee Cards
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The Plum Card® offers two unique monthly payment options:

1.5% Early pay Discount

Paying early can mean big savings for your business. Earn unlimited 1.5% cash back when you pay within 10 days.

60 Days to Pay

Flexibility. Peace of mind. Extra days to pay. Take up to 60 days to pay without interest when you pay the Minimum Due by the Payment Due date.

Power to Buy Big

Use the power of the Plum Card to buy big for your business. Your spend capacity can adjust as your business evolves, so you can buy what you need to keep your business going.

Please keep in mind that purchasing power can adjust with your use of the Card, your payment history, credit record and financial resources known to us, and other factors.

Explore the Power of The Plum Card®

The Plum Card® from American Express

1.5% Early Pay Discount

Paying early can mean big savings for your business. Earn unlimited 1.5% cash back when you pay within 10 days.

60 Days to Pay

Flexibility. Peace of mind. Extra days to pay. Take up to 60 days to pay without interest when you pay the Minimum Due by the Payment Due date.

Choose Your Billing Cycle

For even more cash flow flexibility, you can choose whether to receive your bill at the beginning, middle, or end of the month.

No Foreign Transaction Fees

No foreign transaction fees. Buy for your business anywhere in the world.¤

Car Rental Loss and Damage Insurance

As a Card Member, you can be covered if your eligible rental car is damaged or stolen when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver at the rental car counter. Please read important exclusions and restrictions. Not all vehicle types or rentals are covered. Coverage is not available in Australia, Italy, and New Zealand. This product provides secondary coverage and does not include liability coverage.

Global Assist® Hotline

Whenever you travel more than 100 miles from home, we'll provide you with 24/7 emergency assistance coordination , including medical and legal referrals, visa/passport help, cash wires access, lost luggage assistance and more. Card Members are responsible for the costs charged by third-party service providers.

Baggage Insurance Plan

Travel more comfortably knowing you can be covered by the Baggage Insurance Plan for eligible lost, damaged, or stolen baggage when you purchase the entire fare for a Common Carrier ticket (e.g. plane, train, ship, or bus) on your eligible Card. Coverage can be provided for up to $1,250 for carry-on baggage and up to $500 for checked baggage. For New York State residents, there is a $10,000 aggregate maximum limit for all Covered Persons per Covered Trip. Please read important exclusions and restrictions.

Premium Roadside Assistance

Your car breaks down or you blow a tire. Now what? Just call us to change a flat, jumpstart a battery, or get a tow up to 10 miles. We will pay for included emergency services up to four times a year, even if you're in your driveway. With one call, help is on the way. And soon you'll be on yours. There are some vehicle exclusions and other important restrictions.

Extended Warranty

When you use your American Express® Card for eligible purchases, you can get up to two extra years* added to the original manufacturer’s warranty. Applies to warranties of 5 years or less. Please read important exclusions and restrictions.

*For residents of Indiana, Guam, Puerto Rico, and Northern Mariana Islands, Your coverage will match the original warranty period for warranties of less than one (1) year or provide one (1) additional year if the warranty is between one (1) and five (5) years.

Purchase Protection

Your new camera was stolen. You knocked over your new lamp moving your couch. Sometimes the unexpected happens. But when you use your Card for eligible purchases, it’s nice to know membership can help protect your purchases from accidental damage or theft for up to 120 days* from the moment you purchase them. Please read important exclusions and restrictions.

*For residents of New York, Indiana, Guam, Puerto Rico, and Northern Mariana Islands coverage duration remains at 90 days.

Return Protection

If you try to return an eligible item within 90 days from the date of purchase and the merchant won't take it back, 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. Please read important exclusions and restrictions.

Entertainment Access®

Stay in the know with exclusive access to ticket presales and Card Member-only events in a city near you. Check out Broadway shows and concert tours, family and sporting events, and more.


Find out how the Plum Card® can help you do business on your terms


Spend Manager

With the Spend Manager Mobile App from American Express, you can easily add receipts and notes to your transactions. To get started: Download the Spend Manager Mobile App. Snap a photo of your receipt and match it to your transaction. Use the time you save to focus on other priorities.

Employee Cards

Get the most out of your Business Card by adding Employee Cards. Earn rewards on employee purchases, plus track employee spending with alerts and summary reports.

Account Manager

Have a lot of employees? Assign an Account Manager with Full Access to add new Employee Cards for you. Your Account Manager can set spending limits and track the amount each employee spends with simple graphs available in your American Express Online Account.

Account Alerts

American Express Business Card Members can set Account Alerts to help avoid late payments, spot irregular spending, and monitor Employee Card use.

Year-End Summary

Get access to a Year-End Summary of charges so you can review your annual spending.

Online Statements

View your purchase history, prepare reports, and can help budget your expenses

American Express® App

Take advantage of your Membership with the Amex® Mobile app. Track your spending and rewards, find nearby offers, and stay on top of payments virtually anywhere you go.

Dispute Resolution

If there is a fraudulent or incorrect charge on your statement, American Express will work with you to help resolve the issue.



American Express has supported small businesses, like yours, for over 20 years.

See how you can turn opportunity into growth with products and services from American Express Business Cards.

over 1

We're making American Express® Card acceptance simpler for small businesses, so more places now welcome your Card.

Over 1 million more places in the U.S. started accepting American Express® Cards in 2016.


Small business owners used their Business Cards from American Express Business Cards to fund more than $200 billion in business purchases last year.

From larger business purchases to the everyday smaller ones. American Express Business Cards provide the funding that can help you buy what you need when you need it to run and grow your business.

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