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The Business Platinum® Card from American Express OPEN vs The Plum Card® from American Express OPEN

Compare Rewards, Fees, and Benefits

American Express is a CreditDonkey partner. We receive compensation if you apply and get approved for a card through links in our content. You do not have to use our links, but you help support CreditDonkey if you do. (read more)

American Express Business Platinum is an excellent business charge card for frequent travelers. How does it compare to American Express Plum Card, a cash back charge card? Read our comparison chart below.

Keep in mind, the American Express Business Platinum has a $450 annual fee, while the American Express Plum Card has a $0 introductory annual fee for the first year, then $250.

 The Business Platinum Card from American Express OPENThe Plum Card from American Express OPEN
 Apply NowApply Now
 

The Business Platinum® Card from American Express OPEN

The Plum Card® from American Express OPEN

 

Card Summary

 
Introductory Bonus Reward PointsTravel RewardsAirline RewardsBonus Airline RewardsHotel Rewards
No Pre-Set Spending LimitCar Rental InsuranceExtended WarrantyPurchase ProtectionReturn Protection
 
  • Limited Time Offer: Earn up to 100,000 Membership Rewards® Points.
  • Earn 50,000 Membership Rewards® points after you spend $10,000 & an extra 50,000 points after you spend an additional $15,000 all on qualifying purchases within your first 3 months of Card Membership. Offer ends 8/8/18.†
  • Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com.
  • Get 50% more Membership Rewards® points. That's 1.5 points per dollar, on each eligible purchase of $5,000 or more. You can get up to 1 million additional points per year.
  • 35% Airline Bonus: Use Membership Rewards® Pay with Points for all or part of a flight with your selected qualifying airline, and you can get 35% of the points back, up to 500,000 bonus points per calendar year.
  • You can also receive 35% points back on all First and Business class flights, with all airlines available through American Express Travel.
  • You can enjoy access to The American Express Global Lounge Collection℠ offering access to the most lounges across the globe, when compared with other U.S. credit card offerings. As of 11/2017
  • Terms Apply
  • See Rates & Fees
  • Paying early pays off: Get a 1.5% discount when you pay early, with no cap on what you can earn back.
  • Take up to 60 days to pay with no interest, if you pay your minimum due.
  • Use the power of the Plum Card to buy big for your business.
  • Unlock new opportunities with a spending limit that can grow with your business.
  • Additional Employee Cards at no annual fee - and an early pay discount on employee spending.
  • No Foreign Transaction Fees.
  • Introductory annual fee of $0 for the first year, then $250
  • Terms & Restrictions Apply. See Rates & Fees
Foreign Transaction FeeNo foreign transaction feeNo foreign transaction fee
Annual Fee$450 annual fee$0 introductory annual fee for the first year, then $250
 

Card Rewards & Benefits

Introductory Bonus Reward PointsIntroductory Bonus Reward Points: Limited Time Offer: Earn up to 100,000 Membership Rewards® Points.
Earn 50,000 Membership Rewards® points after you spend $10,000 & an extra 50,000 points after you spend an additional $15,000 all on qualifying purchases within your first 3 months of Card Membership. Offer ends 8/8/18.†
 
Travel RewardsTravel Rewards 
Airline RewardsAirline Rewards: Get 5X Membership Rewards® points on flights on amextravel.com. 
Bonus Airline RewardsBonus Airline Rewards: 35% Airline Bonus: Use Membership Rewards® Pay with Points for all or part of a flight with your selected qualifying airline, and you can get 35% of the points back, up to 500,000 bonus points per calendar year.
You can also receive 35% points back on all First and Business class flights, with all airlines available through American Express Travel.
 
Hotel RewardsHotel Rewards: Get 5X Membership Rewards® points on prepaid hotels on amextravel.com. 
Point RewardsPoint Rewards: Get 50% more Membership Rewards® points. That's 1.5 points per dollar, on each eligible purchase of $5,000 or more. You can get up to 1 million additional points per year. 
Airline StatusAirline Status: Get up to $200 in statement credits per calendar year on a selected airline for incidentals such as baggage fees, lounge day passes, and more.
Access to 5 airport lounge networks including The Centurion® lounge network, The International American Express lounges, Delta Sky Club® lounges, Priority Pass(TM) Select, and Airspace Lounge. Enrollment required for Priority Pass Select.
 
Hotel StatusHotel Status: Enroll for complimentary SPG Gold Status (Starwood Preferred Guest Gold Preferred Guest).
Enroll for complimentary Hilton Honors Gold Status.

Fine Hotels & Resorts - book your stay through American Express FHR at one of 600 luxury hotels and you may get a room upgrade upon arrival, daily continental breakfast for 2, guaranteed 4pm late checkout and a special amenity unique to each property.
 
Airline Transfer PartnersAirline Transfer Partners: Airline transfer partners include Delta, Hawaiian Airlines, Aeromexico, Air Canada, Air France, Emirates, Cathay Pacific (Asia Miles), Virgin Atlantic, Singapore Airlines, Etihad, Alitalia, All Nippon Airways and more. 
 Go to issuer's official application, terms, and detailsGo to issuer's official application, terms, and details
 

CreditDonkey® Card Reviews

 The Business Platinum Card from American Express OPENThe Plum Card from American Express OPEN
Pros & ConsPros:
  • Welcome Bonus Offer
  • Airline Fee Credit
  • Global Lounge Collection
  • Concierge Service
Cons:
  • $450 annual fee
Pros:
  • 1.5% discount for paying early
  • No pre-set spending limit
Cons:
  • $250 annual fee
Bottom LineExcellent business charge card for frequent travelers... Read full reviewFlexible business charge card to help manage cash flow... Read full review
 Apply NowApply Now
What Others View

    See issuer's website for details including terms and conditions. While reasonable effort has been made to maintain accurate and updated information, the information shown on this site may vary, be out of date, or not applicable to you. All information is provided without warranty. When you click on the Apply Now button, you can review the terms and conditions on the issuer's website.

    Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the issuer's website for details.

    Editorial Note: This content is not provided by American Express. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by American Express.

    Which is Better: American Express Business Platinum or American Express Plum Card?

    Still need help deciding which business card is better? Read the in-depth reviews below. You may also be interested in comparing American Express Business Platinum or Ink Business Preferred.


    Explore The Business Platinum® Card from American Express OPEN In-Depth


    Explore The Plum Card® from American Express OPEN In-Depth

      American Express Plum Card

      Is the Plum Card® from American Express OPEN worth the $250 annual fee? Read on to see how this card can help business owners manage cash flow.

    Comments

    • John from Pennsylvania
      on March 28, 2012 7:58 AM said about American Express Plum Card:

      I just got the Plum Card and was made aware of something that the Customer Service Rep wasn't aware of until I pressed the issue and he had to find out the answer from a supervisor:

      The 1.5% is strictly applied to payments within the first 10 ten days after the monthly cycle closes. The caveat there is that payments made during the monthly cycle do not get the discount reward. That's an important distinction that will not necessarily be clear to anyone reading about the card and I think you should know that. I now realize that if I pay "too early", the discount doesn't apply. I was very disappointed. AMEX charge cards may not have a preset limit but they do have limits based on spending patterns. If I have $5000 available and use that in the first week of the monthly cycle on unforeseen expenses with several auto-debits still to come, I need to pay down the balance quickly within a few days and thus NOT get the discount on that payment. The discount only applies to the ENDING BALANCE. Now, if you have a stratospheric limit on the card, it won't matter. But for many small business owners juggling expenses and spending limits while trying to get maximum rewards, this can and will be a nuisance. Applicant beware.

    • Steve from Indiana
      on October 22, 2016 9:06 AM said about American Express Business Platinum:

      Hands down American Express if you really use it a lot!
      They keep on making it much better!

      I was not a big fan before because I didn't use it much!
      Once you start really using it in all ways possible it works even harder and better!
      I love it!

    Comments may be filtered for language. CreditDonkey makes no guarantee of comments' factual accuracy. These responses are not provided or commissioned by bank advertisers. Responses have not been reviewed, approved or otherwise endorsed by bank advertisers. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered. Visitors may report inappropriate content by clicking the Contact Us link.


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    Compare American Express Business Platinum to:

    American Express Platinum
    Introductory Bonus Reward PointsTravel RewardsAirline RewardsHotel RewardsPoint RewardsNo Pre-Set Spending LimitConciergeEventsCar Rental Insurance Extended WarrantyPurchase ProtectionReturn ProtectionTravel Accident Insurance$0 Fraud LiabilityIdentity Theft Assistance
    Card TypeAnnual Fee
    Personal Charge Card
    $550

    Business Gold Rewards Card
    Introductory Bonus Reward PointsPoint RewardsNo Expiration on RewardsNo Pre-Set Spending LimitEventsCar Rental InsuranceExtended WarrantyPurchase ProtectionReturn Protection Baggage Insurance$0 Fraud LiabilityEmergency AssistanceEmergency Card ReplacementIdentity Theft AssistanceRoadside Assistance
    Card TypeAnnual Fee
    Business Charge Card
    $0 introductory annual fee for the first year, then $175

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    Editorial Note: Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

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    *See the card issuer's online application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However, all information is presented without warranty. When you click on the "Apply Now" button you can review the terms and conditions on the card issuer's website.

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