For small to mid-sized businesses
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The Plum Card® from American Express
- Get a 1.5% early pay discount with no cap.
- Take up to 60 days to pay with no interest.
- Buy big with a spending limit that can grow with your business.
- $0 intro annual fee for the first year, then $250¤
The Plum Card® from American Express
Featured Plum Card® Benefits
Early Pay Discount & Extra Days To Pay
Plum Card® Benefits
over your payments No Preset Spending Limit* The Plum Card empowers you to buy big. With no preset spending limit, the Card gives you purchasing power that can adjust with your use of the Card and other factors. *No Preset Spending Limit does not mean unlimited spending. Purchasing power adjusts with your use of the Card, your payment history, credit record and financial resources known to us, and other factors. Choose Your Billing Cycle Choose to receive your bill at the beginning, middle, or end of the month. When you pay within the first ten days, you'll get 1.5% back. Employee Cards Get additional flexibility with Employee Cards at no additional annual fee. Employee Cards can make it easier for your team to do their jobs, while making it easier for you to stay on top of their spending. Plus, get an Early Pay Discount on employee spending if you add Employee Cards to your account and pay early. perks and protection when you're doing business on the road No Foreign Transaction Fees Make international purchases for your business without foreign transaction fees. 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. Premium Roadside Assistance Your car breaks down or you blow a tire. Now what? Luckily you're a Card Member. 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. 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. Global Assist® Hotline When you travel more than 100 miles from home, you have 24/7 access to medical, legal, financial or other select emergency coordination and assistance services, including medical and legal referrals, assistance with cash wires, passport replacement, missing luggage and more. Card Members are responsible for the costs charged by third-party service providers. Travel Accident Insurance♦︎ Travel Accident Insurance♦︎ can provide up to $100,000 in accidental death and dismemberment coverage while traveling on a Common Carrier (e.g. plane, train, ship, or bus) when the entire fare has been charged to the eligible Card. Please read important exclusions and restrictions. to help you track and organize expenses Account Manager When you designate an Account Manager, you can allow trusted individuals - like an assistant or business partner - to access and manage your Business Card account. So you can trust your Account Manager to get the work done when you can't be there. Spend ManagerSM Spend ManagerSM is a feature available to help you manage your Card expenses by allowing you to add receipts and notes to your transactions either via desktop or your mobile device. Connect to Quickbooks® Label and transfer your transaction data from your American Express online statement directly into your QuickBooks account. Account Alerts Set Account Alerts to help you avoid late payments, notify you of irregular activity, and monitor Employee Card spending. Year-End Summary At the end of the year, see a complete summary that categorizes your spend by month and purchase type, and helps you track your business expenses down to the last detail. Online Statements View your purchase history, prepare reports, and budget your expenses. Mobile and Tablet Apps Easily manage your account, pay your bill, check your balance, view your benefits and more from your mobile phone or tablet. for Card Members Extended Warranty♦︎ With Extended Warranty♦︎ you can shop with less worry knowing the terms of the original manufacturer's warranty can be extended up to one additional year. Applies to warranties of 5 years or less that are eligible in the U.S. Please read important exclusions and restrictions. Purchase Protection♦︎ When something you buy breaks or is stolen, Purchase Protection♦︎ can have you covered. Use your Card for eligible purchases, and your purchases can be protected from accidental damage or theft for up to 90 days from the moment you buy them. Please read important exclusions and restrictions. Amex Offers Amex Offers is a simple and easy way to make your life more rewarding. With offers for shopping, dining, travel, and more, there's something for everyone. Adding offers to your Card is quick, easy, and best of all, incredibly rewarding. Dispute Resolution We will work with you to resolve the issue if there is a fraudulent or incorrect charge on your statement. OPEN Forum® Share your ideas, read articles and get tools, advice and information for growing your business from industry experts and other business owners.