CreditDonkey is a credit card comparison and financial education website. This website is made possible through financial relationships with card issuers and some of the products and services mentioned on this site. Advertiser Disclosure†

American Express Plum Card vs Business Gold Rewards Card

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 Plum Card is a flexible business charge card to help manage cash flow. How does it compare to Business Gold Rewards Card from American Express? Read our comparison chart below.

Keep in mind, the American Express Plum Card has a $0 introductory annual fee for the first year, then $250, while the Business Gold Rewards Card has a $0 introductory annual fee for the first year, then $175.

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

The Plum Card® from American Express OPEN

The Business Gold Rewards Card from American Express OPEN

 

Card Summary

 
No Pre-Set Spending LimitCar Rental InsuranceExtended WarrantyPurchase ProtectionReturn Protection
Introductory Bonus Reward PointsPoint RewardsNo Expiration on RewardsNo Pre-Set Spending LimitEvents
 
  • 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
  • Welcome Offer: Earn 50,000 Membership Rewards® points after you spend $5,000 in purchases on the Card within your first 3 months of Card Membership
  • Get 3x points - Choose 1 out of 5 categories
  • Plus, 2X points on the 4 remaining categories and 1X points on other purchases
  • 3X and 2X apply to the first $100,000 in purchases in each of the 5 categories per year, 1X point per dollar thereafter
  • Track, organize, and stay on top of your business expenses with powerful expense-tracking tools
  • No foreign transaction fees
  • $0 introductory annual fee for the first year, then $175
  • Terms and limitations apply
  • See Rates & Fees
Foreign Transaction FeeNo foreign transaction feeNo foreign transaction fee
Annual Fee$0 introductory annual fee for the first year, then $250$0 introductory annual fee for the first year, then $175
 

Card Rewards & Benefits

Introductory Bonus Reward Points Introductory Bonus Reward Points: Welcome Offer: Earn 50,000 Membership Rewards® points after you spend $5,000 in purchases on the Card within your first 3 months of Card Membership
Point Rewards Point Rewards: Get 3x points - Choose 1 out of 5 categories. 2X points on the 4 remaining categories and 1X points on other purchases. 3X and 2X apply to the first $100,000 in purchases in each of the 5 categories per year, 1X point per dollar thereafter
Airline Transfer Partners Airline 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 Plum Card from American Express OPENThe Business Gold Rewards Card from American Express OPEN
Pros & ConsPros:
  • 1.5% discount for paying early
  • No pre-set spending limit
Cons:
  • $250 annual fee
Pros:
  • Rewards
  • $0 introductory annual fee for first year
Cons:
  • $175 annual fee
  • Requires excellent credit
Bottom LineFlexible business charge card to help manage cash flow... Read full reviewGood rewards card for established business owners who do not plan to carry a balance... 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 Plum Card or Business Gold Rewards 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 Plum Card or Ink Business Preferred.


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


    Explore The Business Gold Rewards Card from American Express OPEN In-Depth


    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.

    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.


    You Might Also Like

      American Express Business Card Offers

      American Express is offering promotions for new small business credit card applicants. Read the latest reviews and score deals with this guide.

      American Express Business Platinum Card Review

      The Business Platinum® Card from American Express OPEN offers travel-friendly benefits – including Global Lounge Collection, Airline Fee Credit, and Platinum Concierge Service. But with so many cards boasting no annual fee, why would anyone want to pay $450 to use this card each year?

    Compare American Express Plum Card to:

    American Express Business Platinum
    Introductory Bonus Reward PointsTravel RewardsAirline RewardsBonus Airline RewardsHotel RewardsPoint RewardsNo Limits on RewardsNo Pre-Set Spending LimitConcierge Car Rental InsuranceExtended WarrantyPurchase ProtectionReturn ProtectionBaggage InsuranceTravel Accident Insurance$0 Fraud LiabilityEmergency Card ReplacementIdentity Theft Assistance Roadside Assistance
    Card TypeAnnual Fee
    Business Charge Card
    $450

    You might also be interested in

    Infographics: How to Build Business Credit

    How to Build Business Credit

    Small business owners need to build business credit so they can continue to make investments and grow. Learn how with our infographic guide.

    Compare Business Gold Rewards Card to:

    Business Green Rewards Card
    Introductory Bonus Reward PointsPoint RewardsNo Limits on RewardsNo Pre-Set Spending LimitCar Rental InsuranceExtended WarrantyPurchase ProtectionBaggage InsuranceTravel Accident Insurance
    Card TypeAnnual Fee
    Business Charge Card
    $0 introductory annual fee for the first year, then $95


    About CreditDonkey®
    CreditDonkey is a credit card comparison website. We publish data-driven analysis to help you save money & make savvy financial decisions.

    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.

    †Advertiser Disclosure: Many of the card offers that appear on this site are from companies from which CreditDonkey receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). CreditDonkey does not include all companies or all offers that may be available in the marketplace.

    *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.

    CreditDonkey does not know your individual circumstances and provides information for general educational purposes only. CreditDonkey is not a substitute for, and should not be used as, professional legal, credit or financial advice. You should consult your own professional advisors for such advice.