The Plum Card® from American Express OPEN
Choose How to Pay Each Month
Get a 1.5% discount on your payment by paying at least your minimum payment due within 10 days of the statement closing date, which you can use to reinvest in your business.
Cash flow can be unpredictable. That's why the Plum Card gives you up to 60 days to pay without interest so you have greater financial flexibility.
Have the option to do both in the same month.
Cash flow can be unpredictable. That's why the Plum Card gives you up to 60 days to pay without interest so you have greater financial flexibility.
Have the option to do both in the same month.
Customize Your Billing Cycle
For even more cash flow flexibility when you open your account you can choose whether to receive your bill at the beginning, middle, or end of the month.
Basic Features of This Card
No interest charges, since you pay your full balance each month.
Purchasing power that can adjust as your business evolves.
Annual Membership Fee, $0 introductory annual fee for the first year, then $250.
Purchasing power that can adjust as your business evolves.
Annual Membership Fee, $0 introductory annual fee for the first year, then $250.
24/7 Service & Support
Dedicated Business Consultants who know your company, plus On-Call Support for issues ranging from identity theft to travel emergencies.
Purchase & Travel Protections
Purchase Protection,3 Return Protection,4 and Extended Warranty,5 that can help protect eligible purchases, and Travel Accident Insurance6 that can help protect you.
Online Tools & Resources
Content for small businesses at OPEN Forum® and your Online Statement to manage spending.
Apply by phone: 1-800-519-OPEN (6736)
Learn more | Terms and Conditions
1 Early Pay Discount: Pay any portion of your balance within 10 days of the statement closing date and get a 1.5% discount on all eligible purchases made that month. Total payments must be equal to or greater than minimum payment due to receive a discount on the portion paid early. The discount will appear as a credit on the following billing statement. "Eligible purchases" are purchases of goods and services for use or consumption by the Company in its ordinary course of business, minus returns and other credits. Eligible purchases do not include fees, previously deferred amounts, purchases of traveler's checks, purchases or reloading of prepaid cards or purchases of any cash equivalents.
2 Extra Days to Pay: If you pay at least 10% of the balance from new activity on your billing statement plus the entire amount of any previously deferred payment by the Payment Due Date on that statement, you may Defer Payment of the remainder of that balance until the closing date of your next billing cycle with no interest.
3 Purchase Protection: Purchase Protection is underwritten by AMEX Assurance Company, Administrative Office, Phoenix, AZ. Coverage is determined by the terms, conditions, and exclusions of Policy AX0951 or Policy PP-IND and is subject to change with notice. This document does not supplement or replace the Policy.
4 Return Protection: Coverage is limited to 90 days from purchase, up to $300 per item and up to a maximum of $1,000 per Cardmember account per calendar year. Shipping and handling charges will not be reimbursed. Subject to additional terms, conditions and exclusions.
5 Extended Warranty: Extended Warranty is underwritten by AMEX Assurance Company, Administrative Office, Phoenix, AZ. Coverage is determined by the terms, conditions, and exclusions of Policy AX0953 or Policy EW-IND and is subject to change with notice. This document does not supplement or replace the Policy.
6 Travel Accident Insurance: Travel Accident Insurance is underwritten by AMEX Assurance Company, Administrative Office, Phoenix, AZ. Coverage is determined by the terms, conditions, and exclusions of Policy AX0948 and is subject to change with notice. This document does not supplement or replace the Policy.
1 Early Pay Discount: Pay any portion of your balance within 10 days of the statement closing date and get a 1.5% discount on all eligible purchases made that month. Total payments must be equal to or greater than minimum payment due to receive a discount on the portion paid early. The discount will appear as a credit on the following billing statement. "Eligible purchases" are purchases of goods and services for use or consumption by the Company in its ordinary course of business, minus returns and other credits. Eligible purchases do not include fees, previously deferred amounts, purchases of traveler's checks, purchases or reloading of prepaid cards or purchases of any cash equivalents.
2 Extra Days to Pay: If you pay at least 10% of the balance from new activity on your billing statement plus the entire amount of any previously deferred payment by the Payment Due Date on that statement, you may Defer Payment of the remainder of that balance until the closing date of your next billing cycle with no interest.
3 Purchase Protection: Purchase Protection is underwritten by AMEX Assurance Company, Administrative Office, Phoenix, AZ. Coverage is determined by the terms, conditions, and exclusions of Policy AX0951 or Policy PP-IND and is subject to change with notice. This document does not supplement or replace the Policy.
4 Return Protection: Coverage is limited to 90 days from purchase, up to $300 per item and up to a maximum of $1,000 per Cardmember account per calendar year. Shipping and handling charges will not be reimbursed. Subject to additional terms, conditions and exclusions.
5 Extended Warranty: Extended Warranty is underwritten by AMEX Assurance Company, Administrative Office, Phoenix, AZ. Coverage is determined by the terms, conditions, and exclusions of Policy AX0953 or Policy EW-IND and is subject to change with notice. This document does not supplement or replace the Policy.
6 Travel Accident Insurance: Travel Accident Insurance is underwritten by AMEX Assurance Company, Administrative Office, Phoenix, AZ. Coverage is determined by the terms, conditions, and exclusions of Policy AX0948 and is subject to change with notice. This document does not supplement or replace the Policy.
