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 $250.4
Purchasing power that can adjust as your business evolves.
Annual Membership Fee, $0 introductory annual fee for the first year, then $250.4
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 Benefits
Purchase Protection,5 Return Protection,6 and Extended Warranty,7 that can help protect eligible purchases, and Travel Accident Insurance,8 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: 1-866-534-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 Welcome bonus offer not available to applicants who have had this product within the last 12 months.
Earn a promotional 0.5% discount on all eligible purchases made with the Plum Card during your first 6 months of Card membership or until your eligible purchases total $250,000, whichever comes sooner. To be eligible for this welcome bonus offer you must apply for the Card through this online offer. You may also qualify for this offer if you apply for this Card by calling American Express at 1-866-534-OPEN (6736). The 0.5% discount will appear as a credit on your billing statement within 4 to 6 weeks after charges for eligible purchases appear on your billing statement. American Express reserves the right to change, modify, or revoke this offer at any time. Eligible purchases are purchases of goods and services minus returns and other credits, and do not include fees or interest charges, cash advances, purchases of traveler's checks, purchase or reloading of reloadable pre-paid cards, or purchases of other cash equivalents.
4 Annual Membership Fee: The annual fee of $250 for your Basic Card is waived for the first year of your membership. Annual fee for Additional Plum Cards is $0. The first year annual fee is waived for new Card applicants only. If you transfer an existing account to the Plum Card, you are not eligible for the first year annual fee waiver.
5 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, Policy AX0952, Policy AX0956, or Policy PP-IND and is subject to change with notice. This document does not supplement or replace the Policy. For more information, see www.americanexpress.com/purchase
6 Return Protection: Return Protection can refund you for eligible purchase(s) charged entirely on an eligible American Express® Card. 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 refunded. Purchases must be made in the 50 United States of America, the District of Columbia, Puerto Rico or the U.S. Virgin Islands. Protection is subject to additional terms, conditions and exclusions. For more information, see www.americanexpress.com/return
7 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, Policy AX0954, Policy EW-AX0958, or Policy EW-IND and is subject to change with notice. This document does not supplement or replace the Policy. For more information, see www.americanexpress.com/warranty
8 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, Policy AX0949, or Policy TAI-AX0955 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 Welcome bonus offer not available to applicants who have had this product within the last 12 months.
Earn a promotional 0.5% discount on all eligible purchases made with the Plum Card during your first 6 months of Card membership or until your eligible purchases total $250,000, whichever comes sooner. To be eligible for this welcome bonus offer you must apply for the Card through this online offer. You may also qualify for this offer if you apply for this Card by calling American Express at 1-866-534-OPEN (6736). The 0.5% discount will appear as a credit on your billing statement within 4 to 6 weeks after charges for eligible purchases appear on your billing statement. American Express reserves the right to change, modify, or revoke this offer at any time. Eligible purchases are purchases of goods and services minus returns and other credits, and do not include fees or interest charges, cash advances, purchases of traveler's checks, purchase or reloading of reloadable pre-paid cards, or purchases of other cash equivalents.
4 Annual Membership Fee: The annual fee of $250 for your Basic Card is waived for the first year of your membership. Annual fee for Additional Plum Cards is $0. The first year annual fee is waived for new Card applicants only. If you transfer an existing account to the Plum Card, you are not eligible for the first year annual fee waiver.
5 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, Policy AX0952, Policy AX0956, or Policy PP-IND and is subject to change with notice. This document does not supplement or replace the Policy. For more information, see www.americanexpress.com/purchase
6 Return Protection: Return Protection can refund you for eligible purchase(s) charged entirely on an eligible American Express® Card. 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 refunded. Purchases must be made in the 50 United States of America, the District of Columbia, Puerto Rico or the U.S. Virgin Islands. Protection is subject to additional terms, conditions and exclusions. For more information, see www.americanexpress.com/return
7 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, Policy AX0954, Policy EW-AX0958, or Policy EW-IND and is subject to change with notice. This document does not supplement or replace the Policy. For more information, see www.americanexpress.com/warranty
8 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, Policy AX0949, or Policy TAI-AX0955 and is subject to change with notice. This document does not supplement or replace the Policy.
