{"id":155452,"date":"2025-02-22T18:00:25","date_gmt":"2025-02-22T18:00:25","guid":{"rendered":"https:\/\/awardwallet.com\/blog\/?p=155452"},"modified":"2026-05-12T18:38:06","modified_gmt":"2026-05-12T18:38:06","slug":"amex-plum-card","status":"publish","type":"post","link":"https:\/\/awardwallet.com\/credit-cards\/cash-back\/amex-plum-card\/","title":{"rendered":"American Express Plum Card Review: A Unique Card Good For Businesses With Inconsistent Cashflow"},"content":{"rendered":"<p><em><strong>Update: Amex closed applications for the The Plum Card<sup>\u00ae<\/sup> from American Express effective March 25, 2026. Existing Amex Plum card members can continue to use their card with no changes to existing accounts, benefits, or features.<\/strong><\/em><\/p>\n<p class=\"remark\"><em>Eligibility is limited for the Amex Offers discussed in this post. Enrollment is required in the Amex Offers section of your account before redeeming.<\/em><\/p>\n<p>The Plum Card<sup>\u00ae<\/sup> from American Express is a simple cash-back business card that offers incentives for making timely payments and gives cardholders extra time to pay charges. If you're looking to open a business card and want no set spending limit plus flexibility in payments, you may want to consider this card.<\/p>\n<p>However, the Amex Plum is pretty light on perks and might not be the best fit for small business owners focused on earning travel rewards or maximizing their rewards potential.<\/p>\n<p>Is the Amex Plum Card right for you? Here's a closer look.<\/p>\n<p class=\"remark\"><em>All information about The Plum Card<sup>\u00ae<\/sup> from American Express has been collected independently by AwardWallet.<\/em><\/p>\n<div id=\"toc_container\" class=\"toc_light_blue no_bullets\"><p class=\"toc_title\">Page Contents<\/p><ul class=\"toc_list\"><li><a href=\"#Amex_Plum_Card_Pros\">Amex Plum Card Pros<\/a><\/li><li><a href=\"#Amex_Plum_Card_Cons\">Amex Plum Card Cons<\/a><\/li><li><a href=\"#Amex_Plum_Card_Welcome_Offer\">Amex Plum Card Welcome Offer<\/a><\/li><li><a href=\"#Amex_Plum_Card_Benefits\">Amex Plum Card Benefits<\/a><ul><li><a href=\"#15_early_pay_discount\">1.5% early pay discount<\/a><\/li><li><a href=\"#60_days_to_pay\">60 days to pay<\/a><\/li><li><a href=\"#No_preset_spending_limit\">No preset spending limit<\/a><\/li><li><a href=\"#Travel_benefits\">Travel benefits<\/a><\/li><li><a href=\"#Shopping_benefits\">Shopping benefits<\/a><\/li><li><a href=\"#Other_benefits\">Other benefits<\/a><\/li><\/ul><\/li><li><a href=\"#Amex_Plum_Card_Earning_Rates\">Amex Plum Card Earning Rates<\/a><\/li><li><a href=\"#Application_Restrictions_and_Strategy\">Application Restrictions and Strategy<\/a><\/li><li><a href=\"#Cards_That_Compete_With_the_Amex_Plum_Card\">Cards That Compete With the Amex Plum Card<\/a><\/li><li><a href=\"#Bottom_Line\">Bottom Line<\/a><\/li><\/ul><\/div>\n\n<h2><span id=\"Amex_Plum_Card_Pros\">Amex Plum Card Pros<\/span><\/h2>\n<ul>\n<li>Unlimited 1.5% cash back on eligible charges when you pay within 10 days of your statement closing date.<\/li>\n<li>An extra 60 days to pay, with no accrued interest.<\/li>\n<li>No preset spending limit (limitations apply).*<\/li>\n<\/ul>\n<h2><span id=\"Amex_Plum_Card_Cons\">Amex Plum Card Cons<\/span><\/h2>\n<ul>\n<li>$250 \u2021 annual fee .<\/li>\n<li>Only earns cash back under certain circumstances.<\/li>\n<li>No welcome bonus.<\/li>\n<\/ul>\n<p class=\"remark\"><em>No Preset Spending Limit means the amount you can spend adapts based on factors such as your purchase, payment, and credit history.<\/em><\/p>\n<p>&nbsp;<\/p>\n<figure id=\"attachment_198363\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"600\/400\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"size-full wp-image-198363 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/02\/card-reader-payment.jpg\" alt=\"A photo of a woman's hands inserting a credit card into a reader\" width=\"600\" height=\"400\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/02\/card-reader-payment.jpg 600w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/02\/card-reader-payment-300x200.jpg 300w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><center><em>Credit: Sarah Pflug, Burst<\/em><\/enter><\/figure>\n<h2><span id=\"Amex_Plum_Card_Welcome_Offer\">Amex Plum Card Welcome Offer<\/span><\/h2>\n<p>The lack of a welcome bonus is one of the bigger drawbacks of the Amex Plum. When opening a business card with an annual fee, you expect to be rewarded with a chunk of points or extra cashback up front. For example, all of <a target=\"_blank\" href=\"\/credit-cards\/chase-ultimate-rewards\/chase-ink-offers\/\" rel=\"noopener\">Chase's no-annual-fee Ink business cards<\/a> offer welcome bonuses.<\/p>\n<p>Despite not having a welcome bonus, the Amex Plum&#8216;s unique benefits may serve your business needs, so it may be worth opening an account.<\/p>\n<p><strong>Related: <a target=\"_blank\" href=\"\/credit-cards\/best-business-credit-cards\/\" rel=\"noopener\">The Best Small-Business Credit Card Offers for This Month<\/a><\/strong><\/p>\n<h2><span id=\"Amex_Plum_Card_Benefits\">Amex Plum Card Benefits<\/span><\/h2>\n<h3><span id=\"15_early_pay_discount\">1.5% early pay discount<\/span><\/h3>\n<p>Earn a 1.5% discount when you pay early, with no cap on what you can earn back. This applies so long as you make the minimum payment, which is typically 10% of new charges. Cashback will appear as a credit on the next statement. If your business can make large, early payments, this discount should quickly offset the $250 \u2021 annual fee.<\/p>\n<h3><span id=\"60_days_to_pay\">60 days to pay<\/span><\/h3>\n<p>This card doesn\u2019t allow you to carry a balance with interest (see the next section), but as long as you make the minimum payment each month, you\u2019ll have up to 60 days to pay off the rest of your charges. For small businesses with unpredictable cash flow, this extra flexibility can be helpful for managing expenses. However, if the balance isn\u2019t paid within 60 days, a late fee will apply:\u00a01.5%\u00a0then\u00a02.99%\u00a0of the past due amount (minimum:\u00a0$39) .<\/p>\n<h3><span id=\"No_preset_spending_limit\">No preset spending limit<\/span><\/h3>\n<p>While many credit cards set a specific line of credit, Amex offers flexibility based on a business's purchase, payment, and credit history. While Amex doesn't offer unlimited spending power here, it also doesn\u2019t impose a <a target=\"_blank\" href=\"\/credit-cards\/charge-card-vs-credit-card\/\" rel=\"noopener\">fixed credit limit on the card<\/a>. To gauge whether a large purchase will be approved, consult the card's <a target=\"_blank\" href=\"https:\/\/www.americanexpress.com\/us\/customer-service\/digital\/check-spending-power.html\" rel=\"noopener\">Check Spending Power tool<\/a>.\u00a0 If a business periodically needs to make large purchases \u2014 and keeps its account in good standing \u2014 the lack of a preset spending limit comes in handy.<\/p>\n<figure id=\"attachment_198366\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"600\/444\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"size-full wp-image-198366 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/02\/woman-with-laptop-on-couch.jpg\" alt=\"A photo of a woman sitting on a couch while scrolling on a laptop\" width=\"600\" height=\"444\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/02\/woman-with-laptop-on-couch.jpg 600w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/02\/woman-with-laptop-on-couch-300x222.jpg 300w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><center><em>Credit: Sarah Pflug, Burst<\/em><\/enter><\/figure>\n<h3><span id=\"Travel_benefits\">Travel benefits<\/span><\/h3>\n<p>Besides offering no foreign transaction fees , the Amex Plum Card offers the following travel benefits: <\/p>\n<ul>\n<li><strong>Global Assist Hotline with 24\/7 assistance: <\/strong>This hotline assists you before or during a trip at least 100 miles from home. Emergency assistance and coordination services include medical or legal referrals, wiring cash, and help locating missing luggage. The assistance service is free, but cardholders pay for any services they use. <\/li>\n<li><strong>Car rental loss and damage insurance up to $50,000: <\/strong>Charge a rental car to the card and decline the rental company's collision coverage. This benefit provides secondary car rental loss and damage insurance up to $50,000 per claim.\u00a0 <\/li>\n<\/ul>\n<p><strong>Related: <a target=\"_blank\" href=\"\/credit-cards\/rental-car-insurance\/\" rel=\"noopener\">Rewards Credit Cards Offering Primary Rental Car Insurance<\/a><\/strong><\/p>\n<h3><span id=\"Shopping_benefits\">Shopping benefits<\/span><\/h3>\n<ul>\n<li><strong><a target=\"_blank\" href=\"\/credit-cards\/return-protection\/\" rel=\"noopener\">Returned protection<\/a>:<\/strong> If a seller won't accept your return for something purchased on the card, return eligible U.S. purchases to American Express within 90 days, up to $300 per item and $1,000 per year. <\/li>\n<li><strong><a target=\"_blank\" href=\"\/credit-cards\/purchase-protection\/\" rel=\"noopener\">Purchase protection<\/a>:\u00a0<\/strong>If an item is damaged, stolen, or lost within 90 days of purchase, you can be covered up to $1,000 per item and up to $50,000 annually. <\/li>\n<li><strong><a target=\"_blank\" href=\"\/credit-cards\/extended-warranty\/\" rel=\"noopener\">Extended warranty<\/a>: <\/strong>Extend an eligible purchase's manufacturer's warranty by up to one additional year, up to $10,000 per purchase and $50,000 per card annually. <\/li>\n<li><strong><a target=\"_blank\" href=\"\/credit-cards\/amex-membership-rewards\/beginners-guide-to-amex-offers\/\" rel=\"noopener\">Amex Offers<\/a>: <\/strong>Activate targeted offers for bonus points or cash back with specified vendors.<\/li>\n<li><strong>American Express access and early access: <\/strong>Purchase tickets for select seats at events, available to cardholders before the general public.<\/li>\n<li><strong>American Express Experiences: <\/strong>Purchase tickets to select exclusive experiences for cardholders.<\/li>\n<\/ul>\n<figure id=\"attachment_198367\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"750\/286\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"size-full wp-image-198367 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/02\/featured-amex-offers.png\" alt=\"A screen shot shows American Express offers\" width=\"750\" height=\"286\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/02\/featured-amex-offers.png 750w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/02\/featured-amex-offers-300x114.png 300w\" sizes=\"(max-width: 750px) 100vw, 750px\" \/><center><em>Credit: American Express<\/em><\/enter><\/figure>\n<h3><span id=\"Other_benefits\">Other benefits<\/span><\/h3>\n<ul>\n<li><strong>Connect to Quickbooks:\u00a0<\/strong>Once enrolled, Amex sends all card transactions to Quickbooks.<\/li>\n<li><strong>Vendor pay: <\/strong>Sign up for Vendor pay by Bill.com and enjoy a basic plan for free. Add a secondary user for free for the first six months.<\/li>\n<li><strong>Employee cards: <\/strong>Add up to 99 employee cards to the Amex Plum and manage their spending limits and categories. There's no annual fee for employee cards .<\/li>\n<\/ul>\n<figure id=\"attachment_198368\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"600\/400\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"size-full wp-image-198368 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/02\/woman-taking-notes-during-team-meeting.jpg\" alt=\"Photo of a business meeting with several attendees on laptops\" width=\"600\" height=\"400\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/02\/woman-taking-notes-during-team-meeting.jpg 600w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/02\/woman-taking-notes-during-team-meeting-300x200.jpg 300w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><center><em>Credit: Matthew Henry, Burst<\/em><\/enter><\/figure>\n<h2><span id=\"Amex_Plum_Card_Earning_Rates\">Amex Plum Card Earning Rates<\/span><\/h2>\n<p>The only way to earn cashback on this card is through the early pay discount. With this benefit, you'll earn a 1.5% discount when you pay early, with no cap on what you can earn back.<\/p>\n<p>If you'll be charging a lot to the card and making some large, quick payments, it may be a decent perk. If you're not making large payments within the early pay window, however, you're not earning anything on the rest of the balance. Considering many other business cards offer rewards \u2014 via points or cash back \u2014 on every dollar spent, consider how much you'll earn from the early pay discount against rewards you might earn from other cards.<\/p>\n<p><strong>Related: <a target=\"_blank\" href=\"\/credit-cards\/best-business-credit-cards\/\" rel=\"noopener\">The Best Small Business Credit Card Offers<\/a><\/strong><\/p>\n<h2><span id=\"Application_Restrictions_and_Strategy\">Application Restrictions and Strategy<\/span><\/h2>\n<p>Applicants must be 18 years old and have a U.S. mailing address and social security number.<\/p>\n<p>Generally, American Express allows individuals to hold five personal credit cards and 10 cards with no preset spending limit at a time. Keep in mind that Amex generally limits individuals to opening two cards every 90 days.<\/p>\n<p><strong>Related: <a target=\"_blank\" href=\"\/credit-cards\/rewards-card-application-rules\/#American_Express_Application_Rules\" rel=\"noopener\">Understanding Rewards Cards Application Rules and Restrictions<\/a><\/strong><\/p>\n<p>Keep in mind that while you may assume that you don't <a target=\"_blank\" href=\"\/credit-cards\/how-to-get-a-business-credit-card\/\" rel=\"noopener\">qualify for a business credit card<\/a>, understand that side hustles, freelance work, online reselling, and other types of income outside your 9-to-5 can qualify.<\/p>\n<h2><span id=\"Cards_That_Compete_With_the_Amex_Plum_Card\">Cards That Compete With the Amex Plum Card<\/span><\/h2>\n<div class=\"compare-cards-wrap compare-count-cards-3 compare-p-chase\"><div class=\"compare-card\"><div class=\"compare-pre\"><div class=\"compare-image\"><div><img data-aspectratio=\"150\/97\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/07\/CardArt-AmericanExpressBusinessGoldCard.png\" width=150 alt=\"American Express\u00ae Business Gold Card\" \/ class=\"lazyload\"><\/div><\/div><div class=\"compare-name\">American Express<sup>\u00ae<\/sup> Business Gold Card<\/div><div class=\"compare-offer\"><strong>Find Out Your Offer<\/strong>\r\nYou may be eligible for as high as 200,000 Membership Rewards<sup>\u00ae<\/sup> Points after spending $15,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer. Find out your offer.<\/div><\/div><div class=\"compare-apply\"><a class=\"btn-use qs-how-apply\" title='American Express\u00ae Business Gold Card' data-ccid=\"4028093\" data-exit=\"ccw\" href=\"\/blog\/link\/TheBusinessGoldRewardsCardfromAmericanExpressOPEN\" target=\"_blank\" rel=\"noopener nofollow sponsored\">How to Apply<\/a><\/div><div class=\"compare-fee-score\"><div class=\"compare-fee\"><strong>Annual Fee<\/strong><p>$375<span class=\"compare-terms\"><a data-ccid=\"4028093\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/businessgold-card\/42732-9-0?key=tncBody&rwdFlag=rwd&oneXpVariant=elevatedOffer_variant#offer-terms\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><br>(Terms apply)<\/span><\/p><\/div><div class=\"compare-rating compare-rating--5\"><strong>Credit Score<\/strong><p>Excellent, Good<\/p><\/div><\/div><div class=\"compare-earning\">Get 4X Membership Rewards<sup>\u00ae<\/sup> points on the 2 eligible categories where your business spent the most each billing cycle from the list below:\r\n<ul>\r\n<li>U.S. purchases for advertising in select media  (online, TV, radio)<\/li>\r\n<li>U.S. purchases made from electronic goods retailers and software & cloud system providers<\/li>\r\n<li> U.S. purchases at gas stations<\/li>\r\n<li> U.S. purchases at restaurants, including takeout and delivery<\/li>\r\n<li>Transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways<\/li>\r\n<li>Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S.<\/li>\r\n<\/ul>\r\n\r\n*4X points applies to the first $150,000 in combined purchases from these 2 categories each calendar year; then earn 1 point per dollar.<\/div><\/div><div class=\"compare-card\"><div class=\"compare-pre\"><div class=\"compare-image\"><div><img data-aspectratio=\"150\/95\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2021\/06\/CardArt-TheBlueBusinessPlusCreditCardfromAmericanExpress-1.png\" width=\"150\" alt=\"The Blue Business\u00ae Plus Credit Card from American Express\" \/ class=\"lazyload\"><\/div><\/div><div class=\"compare-name\">The Blue Business<sup>\u00ae<\/sup> Plus Credit Card from American Express<\/div><div class=\"compare-offer\"><strong>Welcome Offer:<\/strong>\r\nEarn 15,000 Membership Rewards<sup>\u00ae<\/sup> points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.<\/div><\/div><div class=\"compare-apply\"><a class=\"btn-use qs-how-apply\" title='The Blue Business\u00ae Plus Credit Card from American Express' data-ccid=\"4028098\" data-exit=\"ccw\" href=\"\/blog\/link\/TheBlueBusinessPlusCreditCardfromAmericanExpress\" target=\"_blank\" rel=\"noopener nofollow sponsored\">How to Apply<\/a><\/div><div class=\"compare-fee-score\"><div class=\"compare-fee\"><strong>Annual Fee<\/strong><p>No annual fee<span class=\"compare-terms\"><a data-ccid=\"4028098\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/bluebusinessplus-credit-card\/42732-9-0?rwdFlag=rwd\/?rwdFlag=rwd#FeeTable\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><br>(Terms Apply)<\/span><\/p><\/div><div class=\"compare-rating compare-rating--5\"><strong>Credit Score<\/strong><p>Excellent, Good<\/p><\/div><\/div><div class=\"compare-earning\"><ul><li>Earn 2X points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter. Terms and limitations apply.<\/li><\/ul><\/div><\/div><div class=\"compare-card\"><div class=\"compare-pre\"><div class=\"compare-image\"><div><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/8100b780-26ef-4eda-862f-cfbf7bed342c.png\" width=\"150\" alt=\"Ink Business Unlimited\u00ae Credit Card\" \/ class=\"lazyload\"><\/div><\/div><div class=\"compare-name\">Ink Business Unlimited<sup>\u00ae<\/sup> Credit Card<\/div><div class=\"compare-offer\"><strong>Welcome Bonus<\/strong>\r\nEarn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.<\/div><\/div><div class=\"compare-apply\"><a class=\"btn-use qs-apply-now\" title='Ink Business Unlimited\u00ae Credit Card' data-ccid=\"4048113\" data-exit=\"ccw\" href=\"\/blog\/link\/InkBusinessUnlimitedCreditCard\" target=\"_blank\" rel=\"noopener nofollow sponsored\">Apply Now<\/a><\/div><div class=\"compare-fee-score\"><div class=\"compare-fee\"><strong>Annual Fee<\/strong><p>$0<span class=\"compare-terms\"><a data-ccid=\"4048113\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=g3lR0xvjyAU&offerid=1753725.10005144&type=3&u1=207d5eb748867063ce3a1897ab4609c0&subid=639396\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><\/span><\/p><\/div><div class=\"compare-rating compare-rating--5\"><strong>Credit Score<\/strong><p>Excellent, Good<\/p><\/div><\/div><div class=\"compare-earning\"><ul>\r\n<li>Earn unlimited 1.5% cash back on every purchase made for your business<\/li>\r\n<\/ul><\/div><\/div><\/div>\n<ul>\n<li><strong>If you want a card with better earning power plus a welcome offer,<\/strong> the <a data-ccid=\"4028093\" href=\"https:\/\/awardwallet.com\/credit-cards\/amex-membership-rewards\/amex-business-gold\/\">American Express<sup>\u00ae<\/sup> Business Gold Card<\/a> is one to consider. The annual fee may appear steep, but you can earn around $845 in annual statement credits and will still enjoy no preset spending limit. You'll also earn 4X Membership Rewards points in the two categories you spend the most in every month, automatically (on the first $150,000 in combined purchases annually, then 1X), as well as 3x booking through Amex Travel. Points can be redeemed for cash back, gift cards, or transferring to 20 airline and hotel partners for travel. Learn more in <a target=\"_blank\" href=\"\/credit-cards\/amex-membership-rewards\/amex-business-gold\/\" rel=\"noopener\">our full Amex Business Gold review<\/a>. <em>Enrollment is required for select Amex benefits.<\/em><\/li>\n<li><strong>If you want an Amex card with rewards and no annual fee,<\/strong> <a data-ccid=\"4028098\" href=\"https:\/\/awardwallet.com\/credit-cards\/amex-membership-rewards\/blue-business-plus\/\">The Blue Business<sup>\u00ae<\/sup> Plus Credit Card from American Express<\/a> is a favorite of many for earning rewards without an annual fee  (<a data-ccid=\"4028098\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/bluebusinessplus-credit-card\/42732-9-0?rwdFlag=rwd\/?rwdFlag=rwd#FeeTable\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>). The simple earning structure provides 2x  Amex points on all purchases, up to $50,000 per year (then 1x). Points can be redeemed like cash or transferred to American Express' airline and hotel partners. <a target=\"_blank\" href=\"\/credit-cards\/amex-membership-rewards\/blue-business-plus\/\" rel=\"noopener\">Our Blue Business Plus review<\/a> has additional details.<\/li>\n<li><strong>If you want a business card with no annual fee and 1.5% cash back,<\/strong> look into the <a data-ccid=\"4048113\" href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/ink-business-unlimited\/\">Ink Business Unlimited<sup>\u00ae<\/sup> Credit Card<\/a>. You'll have a credit limit and pay foreign transaction fees, but you'll also enjoy the power to earn unlimited 1.5% on everyday spending. And if you have other Chase credit cards, you can combine rewards to access additional redemption options. Our <a target=\"_blank\" href=\"\/credit-cards\/chase-ultimate-rewards\/ink-business-unlimited\/\" rel=\"noopener\">review of the Chase Ink Unlimited<\/a> can tell you more.<\/li>\n<\/ul>\n<p><strong>Related: <a target=\"_blank\" href=\"\/credit-cards\/best-everyday-credit-card\/\" rel=\"noopener\">The Best Credit Cards for Everyday Purchases<\/a><\/strong><\/p>\n<h2><span id=\"Bottom_Line\">Bottom Line<\/span><\/h2>\n<p>The Amex Plum caters to a specific type of business owner: one who may need the flexibility of 60 days to pay due to inconsistent cash flow. However, this card is likely only worthwhile if you can take full advantage of the 1.5% early pay discount to offset the annual fee. Ultimately, it\u2019s up to you to determine whether this card\u2019s rewards structure provides enough value to make it a better choice than other business cards.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>The Plum Card\u00ae from American Express is a simple cash-back business card that offers incentives for making timely payments and gives cardholders extra time to pay charges. Is it the right card for your business? We&#8217;re weighing the card&#8217;s pros and cons, explaining the benefits, and comparing it to other business cards on the market in this detailed review.<\/p>\n","protected":false},"author":85,"featured_media":198370,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","_wpscppro_dont_share_socialmedia":null,"_wpscppro_custom_social_share_image":0,"_facebook_share_type":"default","_twitter_share_type":"default","_linkedin_share_type":"default","_pinterest_share_type":"default","_linkedin_share_type_page":"","_instagram_share_type":"default","_medium_share_type":"default","_threads_share_type":"default","_google_business_share_type":"default","_selected_social_profile":[],"_wpsp_enable_custom_social_template":false,"_wpsp_social_scheduling":{"enabled":false,"datetime":null,"platforms":[],"status":"template_only","dateOption":"today","timeOption":"now","customDays":"","customHours":"","customDate":"","customTime":"","schedulingType":"absolute"},"_wpsp_active_default_template":true},"categories":[12055],"tags":[12790,12620],"coauthors":[36458,36466],"class_list":["post-155452","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-cards","tag-american-express","tag-card-reviews"],"acf":[],"_links":{"self":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/155452","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/users\/85"}],"replies":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/comments?post=155452"}],"version-history":[{"count":36,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/155452\/revisions"}],"predecessor-version":[{"id":174541,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/155452\/revisions\/174541"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/media\/198370"}],"wp:attachment":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/media?parent=155452"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/categories?post=155452"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/tags?post=155452"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/coauthors?post=155452"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}