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Updated June 16, 2016

Plenti Credit Card Review: Is It Worth Having?

Editorial Note: This content is not provided by the card issuer. Opinions expressed here are author's alone, not those of the issuer, and have not been reviewed, approved or otherwise endorsed by the issuer.

Does the Plenti® Credit Card from Amex offer plenty of value? There is no annual fee but is it worth your time?

12/18/2017 Update: The Plenti® Credit Card from Amex is no longer available on CreditDonkey. This offer may have been discontinued or may no longer be available to new applicants.

Overall Score




Interest Rates



5-point scale (the higher, the better)

Pros and Cons

  • Signup Bonus
  • Rewards at Supermarket
  • No Annual Fee
  • Limited Partners
  • No Intro APR on Balance Transfer

Bottom Line

Good rewards credit card for shopping at Plenti partners

4/26/2017 Update: Plenti is no longer available on CreditDonkey. View current American Express credit card promotions.

For now, the answer depends on how often (and how much) you buy from the card’s few retail partners, as well as if you want to consolidate those loyalty cards on your keychain.

We’re punting. In our opinion, it’s too early to tell whether the Plenti Card from American Express (a CreditDonkey partner), is a good value. The answer depends on where you tend to spend your money and whether you like the idea of putting your loyalty all on one place (or card).

We will say this: It has potential and is worth considering as a rewards credit card, especially since there’s no annual fee involved.

Plenti Loyalty

As part of Amex’s new cross-brand loyalty program, which combines the benefits of loyalty cards from retailers such as Macy’s and Rite Aid with those of a traditional credit card, the Amex Plenti card offers a mixed bag of pros and cons.

Here's why we like it:

© Dean Hochman (CC BY 2.0) via Flickr

  • New members can take advantage of a bonus offer with a relatively low spending threshold, receiving 5,000 Plenti points for spending just $250 within the first 3 months. Most cards require $500 to $4,000 in purchases to qualify for their introductory bonus.

  • Cardholders will receive three Plenti points at U.S. supermarkets (on up to $6,000 in purchases per year, then 1 point), two points at U.S. restaurants, and one point on other purchases for each eligible dollar spent.

  • There is no annual fee.

Did you know: You don’t always have to use the credit card to get Plenti points. Let’s say you already have a Plenti loyalty card at Exxon gas stations. You can link the new credit card account with your Exxon account and earn points on purchases even if you pay with cash or use some other credit card.

If you already have a bouquet of loyalty cards blooming on your key chain, the Plenti card lets you combine all those loyalty programs into one. Every point will be deposited into a single account, and you can then spend the points at a participating retailer such as Macy's. It’s a nice convenience.

But here's why you might want to consider another card:

  • There are many other no-annual-fee cards with rewards programs (see No Annual Fee Credit Cards). For example, while the Plenti card’s 5,000-point bonus equals $50 in savings at AT&T, Exxon, Macy's, Mobil and Rite Aid, there are some credit cards that gives new customers a $100+ bonus after they spend $500 to $1,000 on purchases within the first three months of card ownership.

    Related: Current Credit Card Promotions

  • To redeem rewards points, users must visit each retail partner’s website to ensure the card is registered, something cardholders may view as a hassle.

  • By far the biggest drawback, however, is that there are currently a very limited number of places where cardholders can earn and redeem points. As of this writing, Plenti points are awarded when users spend money with AT&T, Exxon/Mobil, Macy’s, Rite Aid, Nationwide Insurance, Direct Energy, and Hulu, as well as National, Alamo, and Enterprise car rental. American Express is looking to add partners, but because it won’t add retailers that compete with existing partners, the list may not grow very quickly.

  • That's not all. American Express usually requires excellent credit, so while you may be interested in this card, you may not be eligible if you don't have great credit.

Bottom Line

For now, the Plenti card is a good deal for people who frequently shop with one or more of Amex’s corporate partners. But until Amex recruits more retailers, everyone else can may be able to find bargains elsewhere.

Terms and limitations apply.

12/18/2017 Update: The Plenti® Credit Card from Amex is no longer available on CreditDonkey. This offer may have been discontinued or may no longer be available to new applicants.

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.

Disclaimer: This content was first published on February 12, 2016. This content may have been updated on June 16, 2016. Information including APR, terms and benefits may vary, be out of date, or not applicable to you. Information is provided without warranty. Please check American Express website for updated information.

Disclaimer: The information for the The Plenti® Credit Card from Amex has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer.

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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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