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overview

  • Cash Flow Flexibility

    The Plum Card offers two unique payment options you can use individually or together to help you meet your business needs each month.

  • No annual fee. Now with choice.

    Earn cash back on the category of your choice and pay no annual fee.

  • Enhanced Costco Membership

    Get the Card that rewards you with unlimited cash back on purchases you make for your business.

  • LIMITED TIME OFFER (231)

    Earn a $250 statement credit after you spend $3,000 on qualifying purchases within the first 3 months of Card Membership. To be eligible for this offer, you must be approved by April 28, 2014.

good-for

    • Seasonal Businesses

      Unique, flexible payment options can help make this Card ideal for businesses experiencing large fluctuations in cash flow.

    • Added Financial Control

      Armed with flexible payment options for you to use each month, this Card can give you more control over your cash flow.

    • Customizing Your Billing Cycle

      When you open an account, you can choose whether to receive your bill at the beginning, middle, or end of the month.

    • Customizing Your Rewards

      Get 3% cash back on the category of your choice from a list of select categories. Terms and limitations apply. 3% applies to purchases up to $25,000 per rebate year then 1% thereafter. Cash back earned is automatically credited to your statement.

    • Wireless Phone Subscribers

      Get 5% cash back on wireless telephone services purchased directly from U.S. service providers. Terms and limitations apply. 5% applies to purchases up to $25,000 per rebate year then 1% thereafter. Cash back earned is automatically credited to your statement.

    • Purchasing Office Supplies

      Get 5% cash back at U.S. office supply stores. Terms and limitations apply. 5% applies to purchases up to $25,000 per rebate year then 1% thereafter. Cash back earned is automatically credited to your statement.

    • Frequent Drivers

      Get 4% Cash back at U.S. gas stations and on gasoline at Costco up to $7,000 per year in purchases, (then 1%). Terms and limitations apply. You will receive your cash back annually in the form of a reward coupon.

    • Two Memberships in One

      No annual fee with your paid Costco membership.

    • Earning Cash Back

      Earn cash back that you can use towards future business expenses.

rewards

  • Flexible Payment Options

    • Get a 1.5% discount if you pay early
    • Take up to 60 days to pay with no interest
  • Cash Back

    • 5% Cash back at U.S. office supply stores and on wireless telephone services purchased directly from U.S. service providers
    • NEW3%Cash back on the category of your choice from a list of select categories

      Categories available include: airfare purchased from airlines, hotel rooms purchased from hotels, car rentals purchased from select car rental companies, U.S. gas stations, U.S. restaurants, U.S. purchases for advertising in select media, and U.S. purchases for shipping
    • 1% Cash back on other purchases
    • Terms and limitations apply. 5% and 3% apply to purchases up to $25,000 per rebate year then 1% thereafter. Cash back earned is automatically credited to your statement.
  • Cash Back

    • 4%Cash back at U.S. gas stations and on gasoline at Costco up to $7,000 per year in purchases, (then 1%).
    • 2%Cash back on eligible travel purchases, including at Costco, and at U.S. restaurants
    • 1%Cash back on other purchases, including at Costco
    • Terms and limitations apply. You will receive your cash back annually in the form of a reward coupon.

payment-type

  • Charge Card

    • Option to pay in full each month
    • Option to carry a balance up to 60 days with no interest
    • Spending limit that can adjust with your use of the Card over time
  • Credit Card

    • Option to carry a balance each month with interest
    • 0.0% introductory APR on purchases for the first 9 months, then a variable rate, currently 12.24%,17.24% or 19.24%
  • Credit Card

    • Option to carry a balance each month with interest
    • 0.0% introductory APR on purchases for the first 6 months, then a variable rate, currently equal to 15.24%

annual-fee

  • $250

    Includes:

    • $0 introductory annual fee your first year, then $250
    • $0 annual fee for each Additional Plum Card
    • Early Pay Discount
  • $0

    Includes:

    • $0 annual fee for each Additional SimplyCash® Business Credit Card
  • $0

    Includes:

    • No annual fee with your paid Costco membership
    • $0 annual fee for each Additional TrueEarnings Business Card from Costco and American Express as long as Additional Card Members are on your current Costco membership
  • Details

  • Access to Benefits
    • Preferred Seating Program

    • Advanced Tickets

    • Car Rental Privileges

    • FINE HOTELS & RESORTS

    • Purchase Protection

    • Return Protection

    • Extended Warranty

    • Event Ticket Protection Plan

    • Baggage Insurance Plan

    • Car Rental Loss and Damage Insurance

    • Global Assist® Hotline

    • Travel Accident Insurance

    • Concierge Services

  • Fees
    • Additional Cards for Employees

      • $0 annual fee for Additional Plum Cards
      • $0 annual fee for each Additional SimplyCash® Business Credit Card
      • $0 annual fee for each Additional TrueEarnings Business Card from Costco and American Express as long as Additional Card Members are on your current Costco membership
    • Annual Membership Fee

      • $250
      • $0
      • $0 annual fee with your paid Costco membership
    • Cash Advance Fee

      • Charge Cards do not offer cash advances
      • Either $5 or 3% of the amount of each cash advance, whichever is greater
      • Either $5 or 3% of the amount of each cash advance, whichever is greater
    • Foreign Transaction Fees

      • 2.7% of each transaction after conversion to U.S. dollars.
      • 2.7%
      • 2.7%
    • Late Payment Fee

      • 1.5% then 2.99% of the past due amount (minimum: $37)
      • Up to $37
      • Up to $37
    • Over-the-Credit-Limit Fee

    • Returned Payment Fee

      • $37
      • $37
      • $37
    • APR on Purchases

      • 0.0% introductory APR on purchases for the first 9 months, then a variable rate, currently 12.24%,17.24% or 19.24%
      • 0.0% introductory APR on purchases for the first 6 months, then a variable rate, currently equal to 15.24%
    • APR on Cash Advances

      • Charge Cards do not offer cash advances
      • 21.24%
      • 21.24%
    • APR on Penalties

      • 27.24%
      • 27.24%
Benefits with Every Business Card from American Express OPEN
  • Dispute Resolution

    We begin investigating any unauthorized charge as soon as you make us aware of it, and you are not responsible for paying the charge until your case is resolved.

  • ReceiptMatchSM

    ReceiptMatch is a feature included with Business Cards from American Express OPEN that digitally matches and stores images of your receipts to your online statement so you can easily manage them from anywhere using your desktop or mobile devices.

  • Account Alerts

    Set up Alerts so you can avoid late payments, be notified of irregular activity, or monitor Employee Card spending and more.

  • Account Manager

    Appoint one of your associates to help manage your account, choosing from two levels of access that are tailored to your needs.

  • Online Statements

    View your purchase history, prepare reports to invoice customers, and budget your expenses.

  • Mobile and Tablet Apps

    Pay your bill, check your balance, view your benefits, and more from your mobile phone and tablet. Our apps make it easier to manage your Card account whenever it’s convenient for you.

  • OPEN Forum®

    OPEN Forum is an online community for small business owners to exchange experiences, advice, tools and tips to inspire each other to take action and succeed.

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