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TRADE TERMS :

Your choice each month: pay early and earn a discount, OR defer payment without interest

Suggested for You

The Plum Card®

Choose your payment terms from month to month: Pay early and earn a 1.5% discount; OR, pay 10% and take up to 2 months to pay the balance without interest.

The Plum Card

The Plum Card®

THE CARD

 The Charge Card that gives your business payment flexibility each month 

 Get trade terms on virtually every purchase you make 

Learn More Apply Now Add to Saved Cards
REWARDS PROGRAM

Trade terms
FEATURED BENEFIT(S)

Early Pay Discount

OR, Defer Pay Option

Set your statement closing date
OPEN SAVINGS®

Save 3% to 25% at merchant partners†
PAYMENT TERMS

Choose to pay early and get a discount, OR defer payment without interest
ANNUAL FEE

No annual fee for your first year, then $185

TRAVEL BENEFITS

The Plum Card®

Coverage against loss or damage of your baggage1
24/7 medical, legal, financial, and emergency assistance when you travel2
24/7 help when you're on the road4

Built-in Benefits
Account Alerts
 Avoid late payments, be notified of irregular activity, monitor Employee Card spending, and more. Have them sent to your e-mail or mobile device.7
Authorize Someone to Manage Your Account
 Choose from two levels of access when giving someone the authority to help you manage your account(s) online.8
Car Rental Loss and Damage Insurance9
 Get coverage for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for an auto rental.
Dispute Resolution
 If you do not recognize a charge on your statement, we'll investigate it, and you will not be responsible for paying the charge while we do.10
Emergency Card Replacement
 Get a replacement in as little as 24 hours. Just call or visit one of more than 2,200 American Express Travel Services locations worldwide. Not all services available at all locations.
Extended Warranty11
 Extends the term of the original manufacturer's warranty up to one additional year on eligible purchases with warranties of five years or less that are eligible in the U.S.
Fraud Protection Guarantee
 Protects you against unauthorized charges that appear on your statement. In most cases, a temporary credit will be issued immediately.
Identity Theft Assistance
 Call 24/7 for help determining if you are the victim of identity theft. We can also recommend steps for recovery and ways to protect yourself going forward.
Online Statement
 Easily find receipts, prepare reports to invoice customers, organize for tax season, and budget for the future — all in one place.
Purchase Protection12
 Protects eligible purchases made with the Card against accidental damage and theft for up to 90 days from the date of purchase.
Travel Accident Insurance13
 Covers you and your dependents against accidental death and dismemberment when traveling on a Common Carrier Conveyance (plane, train, ship, helicopter, or bus) when the entire fare has been charged to the Card.
Year-End Summary
 Organizes your charges by month and spend category.
 
THE CARD
 The Plum Card

The Plum Card®

Learn More Apply Now Add to Saved Cards
Sign Up For Offers
  • Get an automatic discount whenever you use your Card at OPEN Savings merchants, including FedEx, Hertz®, and many more. Discounts appear on your statement and can always be combined with any other coupon, deal, or offer.*

    * OPEN Savings®: Savings range from 3% to 20%. Payment must be made with an American Express® Business Card at the time of purchase; savings will be credited to your account. Other restrictions or limitations may apply. Subject to offer terms and conditions located at opensavings.com. Merchant participation and offers are subject to change without notice.
  • Get an automatic discount whenever you use your Card at OPEN Savings merchants, including FedEx, Hertz®, and many more. Discounts appear on your statement and can always be combined with any other coupon, deal, or offer.*

    * OPEN Savings®: Savings range from 3% to 20%. Payment must be made with an American Express® Business Card at the time of purchase; savings will be credited to your account. Other restrictions or limitations may apply. Subject to offer terms and conditions located at opensavings.com. Merchant participation and offers are subject to change without notice.
  • OPEN Savings®: Savings range from 3% to 20%. Payment must be made with an American Express® Business Card at the time of purchase; savings will be credited to your account. If purchases that received the OPEN Savings discount are refunded, the OPEN Savings discount will be reversed and debited to your account. Other restrictions or limitations may apply. Subject to offer terms and conditions located at open.com/opensavings. Merchant participation and offers are subject to change without notice.
  • Choose how you want to pay, from month to month.
    • Pay your full balance within 10 days and earn a 1.5% discount, OR
    • Pay 10% and take up to 2 months to pay the balance without interest

    Select when your monthly billing cycle ends.
    • Choose the beginning, middle, or end of each month
  • Pay your full balance within 10 days of your statement closing date and get a 1.5% discount on virtually all of that month's purchases.*

    * Early Pay Discount: Pay your balance in full within 10 days of the statement closing date and get a 1.5% discount on virtually all purchases made that month. The discount will appear as a credit on the following billing statement.
  • Pay 10% of your balance by your statement closing date and take up to 2 months to pay the rest without interest.*

    * Defer Pay Option: 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 or amounts past due by the ""Please Pay By Date"" on that statement, you may defer payment of the remainder of that balance until the closing date of your next billing cycle without penalty.
  • Select when your billing cycle ends — at the beginning, middle, or end of each month.
  • Early Pay Discount: Pay your balance in full within 10 days of the statement closing date and get a 1.5% discount on eligible purchases made that month. The discount will appear as a credit on the following billing statement.
  • Defer Pay Option: 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 or amounts past due by the "Please Pay By Date" on that statement, you may defer payment of the remainder of that balance until the closing date of your next billing cycle without penalty.
  • OPEN Savings®: Savings range from 3% to 25%. Payment must be made with an American Express® Business Card at the time of purchase; savings will be credited to your account. Other restrictions or limitations may apply. Subject to offer terms and conditions located at opensavings.com. Merchant participation and offers are subject to change without notice.
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