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The Plum Card®

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Your Card at a Glance

Pay your balance in full for an Early Pay Discount2 |
Take Extra Days to Pay after you pay your Minimum Due3

Pay Early. Pay Later. Buy Big.6

You know your business best. That's why The Plum Card® lets you decide when to pay each month.2,3

No foreign transaction fees, when you conduct business overseas5

Additional Employee Cards at no annual fee – and an early pay discount on employee spending.2,4

Cash Flow is All in the Details

OPEN Tools and Access to Benefits


Get access to tools and benefits that can help you run your business:

  • Tools include ReceiptMatchSM with QuickBooks7, OPEN Savings®8, OPEN Forum® and Account Manager9
  • Access to benefits includes Extended Warranty10 and Dispute Resolution11
  • Support via Online Account Management and 24/7 signature Card Member Business Service
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1. Card Members cannot use both payment options in the same month.

2. Early Pay Discount: Pay your balance in full within 10 days of the statement closing date and get a discount on eligible purchases. The discount will appear as a credit on the following billing statement. Eligible purchases are purchases for goods and services minus returns and other credits. Eligible purchases do NOT include previously deferred amounts, fees, cash advances, purchases of travelers checks, purchases or reloading of prepaid cards, or purchases of other cash equivalents. Additional terms and restrictions apply. See your Card Member Agreement for details, or call the number on the back of your card.

3. Extra Days to Pay: Pay at least the Minimum Due by the Please Pay By date on your billing statement, and defer payment of the remainder of your balance until the Please Pay By on your next billing statement with no interest.

4. Employee Card Annual Fee: The annual fee for Employee Cards is $0. You can find the annual membership fee for your Basic Card Account in your Card Member Agreement.

5. No Foreign Transaction Fees: American Express will not charge any foreign transaction fee on the purchases you make outside of the United States with your Card. However, there may be circumstances where ATMs or merchants charge a fee on these transactions.

6. Power to Buy Big: The power to buy [buy big] does not mean that all charges will be approved. Purchasing power adjusts with your use of the Card, your payment history, credit record and financial resources known to us, and other factors.

7. ReceiptMatch and Sync with QuickBooks are two separate business tools available with Business Cards from American Express OPEN. ReceiptMatch and Sync with QuickBooks were created to work together. You must enroll in ReceiptMatchSM and in Sync with QuickBooks separately from your American Express online account to use ReceiptMatch with QuickBooks. For more details on ReceiptMatch and Sync with QuickBooks go to

8. The OPEN Savings benefit is built into Business Cards from American Express OPEN and provides either a 5% discount or 2 additional Membership Rewards® points for each eligible dollar spent at OPEN Savings merchants. To take advantage of this benefit, payment must be made with a Business Card from American Express OPEN at the time of purchase. All Cards under a particular Business Card Account (including the Basic Card as well as any Additional or Employee Cards) are combined for the purposes of calculating OPEN Savings benefits. All OPEN Savings benefits are credited to the Basic Card Member only. Please allow up to 12 weeks for your benefit to appear on your monthly statement. If your Card Account is not eligible to receive Membership Rewards points or is not enrolled in the Membership Rewards program, you will receive the OPEN Savings benefit as a discount that will be provided as a statement credit to that Card Account. If your Card Account is enrolled in the Membership Rewards program you have the option of receiving your OPEN Savings benefit either as a discount or as additional Membership Rewards points. The relative value of the benefit options will differ depending on how you use the Membership Rewards points in your account. The redemption value of additional points that you receive under the Membership Rewards Points Benefit will be less than the dollar value of statement credits that you receive under the Discount Benefit. You can change your OPEN Savings benefit selection a maximum of once per calendar month. Changes normally take effect within 72 hours from the time you submit a change to your benefit selection. Purchases that are eligible for the OPEN Savings benefit that are returned or credited from an OPEN Savings merchant will result in a reversal of your statement credit or removal of Membership Rewards points depending on your benefit election at the time of the return or credit. The benefit may not be available at all OPEN Savings partner locations. For a full list of individual OPEN Savings merchants and benefit descriptions, please visit The OPEN Savings benefit (including merchant participation and offers) is subject to change at any time without notice. Membership Rewards program terms and conditions apply. OPEN Savings offers may be subject to exclusions, benefit limits and other restrictions or limitations. For full terms and conditions including specific paragraphs on the Benefit Selection and How Returns Work, go to

9. Account Managers and Agents must be at least 18 years old. American Express® Business Line of Credit accounts are not eligible for Account Managers.

10. Extended Warranty is underwritten by AMEX Assurance Company, Administrative Office, Phoenix, AZ under Policy AX0953, Policy AX0954, Policy EW-AX0958, or Policy EW-IND. For residents of GU and MP, the Plan is underwritten by Tokio Marine Pacific Insurance Limited, Hagatna, Guam under Policy CRCB000000104. This benefit is not available to residents of American Samoa, Federated States of Micronesia, Marshall Islands, Palau, and the US Minor Outlying Islands. Coverage is determined by the terms, conditions, and exclusions of the Policies applicable to your Card and is subject to change with notice. This document does not supplement or replace the Policy. Extended Warranty can extend the terms of the original manufacturer's warranty on warranties of five years or less. We match the length of the original warranty if the original manufacturer’s warranty is less than one year, and we provide one additional year if the original manufacturer’s warranty is between one year and five years. Shipping and handling costs for the purchase will not be refunded. Certain purchases are not covered, e.g. items with physical damage, damage as a result of natural disaster, software, motorized devices and vehicles and their parts. Other important exclusions apply. You will only be covered up to the amount charged on your eligible Card; coverage is limited up to a maximum of USD $10,000 per occurrence; not to exceed USD $50,000 per Card Member account per calendar year. You may be required to send the purchased item to us, in which case we will reimburse you for shipping cost. This product is in excess of other warranty plans that you have in place for the eligible item. To be eligible for claim payment, your account must be in good standing on the eligible card that maintains the original charge. For full Terms and Conditions, see

11. Not all disputes are resolved in the Card Member's favor.