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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

Flexible Payment Options

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

Annual Fee


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

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.

  • Flexible Payment Options

    Early Pay Discount

    Pay your bill early to get a 1.5% discount, which you can use to buy inventory, supplies and other business necessities.

    Extra Days to Pay

    The Plum Card gives you up to 60 days to pay, without interest, so you can keep the cash you need, when you need it.

    Travel benefits image

    Set Your Billing Cycle

    There may be a certain time of month that’s more convenient for you to make payments. So when you open your Card account, tell us when you would like to receive your bill: at the beginning, middle, or end of the month.

  • Access to Benefits

    Travel benefits image

    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 auto 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 available only within the United States, its territories, and possessions. This product provides secondary coverage and does not include liability coverage.

    Purchase Protection

    Shop with added confidence and Purchase Protection, which can help protect eligible purchases made with the Card against accidental damage and theft for up to 90 days from the date of purchase. Please read important exclusions and restrictions.

    Baggage Insurance Plan

    Travel more comfortably knowing you can be covered by the Baggage Insurance Plan when you purchase the entire fare for a Common Carrier ticket (e.g. plane, train, ship, helicopter, 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.

    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.

    Travel Accident Insurance

    Travel Accident Insurance can provide up to $100,000 in accidental death and dismemberment coverage while traveling on a Common Carrier (plane, train, ship, helicopter, or bus) when the entire fare** has been charged to the eligible Card. Please read important exclusions and restrictions.

    OPEN Savings®

    Boost the savings you get from The Plum Card with the built-in OPEN Savings benefit. It’s designed to automatically give you up to a 10% discount credited to your statement when you use your Card for eligible purchases with OPEN Savings partners including FedEx, Hertz®, and more. Discounts will be applied in the form of a statement credit.

    No Pre-Set Spending Limit*

    The Plum Card has no pre-set spending limit, which gives you purchasing power that adjusts with your use of the Card and other factors.

    *No pre-set 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.

    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.

  • 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.


    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.

    American Express Open benefits

    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.