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The Plum Card® from American Express vs American Express® Business Gold Card

Compare Rewards, Interest Rates, Fees, and Benefits

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American Express Plum Card is a flexible business charge card to help manage cash flow. How does it compare to Business Gold 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 Card has a $295 annual fee.

Charge Card vs Credit Card: The Plum Card® from American Express is a charge card while American Express® Business Gold Card is a credit card. If you plan to carry a balance, avoid charge cards as they usually require that you pay in full.

 The Plum Card from American ExpressAmerican Express Business Gold Card
 Apply NowApply Now
 

The Plum Card® from American Express

American Express® Business Gold Card

 Business Charge CardBusiness Credit Card
 
No Pre-Set Spending LimitCar Rental InsuranceExtended WarrantyPurchase ProtectionReturn Protection
Bonus Airline RewardsPoint 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
  • More Rewards: Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month †
  • †4X points apply to the first $150,000 in combined purchases from these 2 categories each calendar year.*
  • Airline Bonus: Get 25% points back after you use points for all or part of an eligible flight booked with Amex Travel, up to 250,000 points back per calendar year.*
  • Exclusive Offers: Get up to 1 year free on subscriptions to both G Suite Basic for up to 3 users and ZipRecruiter Standard, a combined value up to $3,188.*
  • Pay Over Time Option: A flexible payment option to help manage cash flow on purchases of $100 or more.*
  • Expense Management Tools: Connect to Quickbooks, access SpendManager(SM), receive a Year-End Summary, and more.*
  • Add Employee Cards with a no annual fee option. Earn rewards on employee purchases and track employee expenses with spending limits, alerts, and summary reports.*
  • *Terms Apply
  • See Rates & Fees
 

Card Interest Rates & Fees

Purchase APRN/A16.24% to 24.24% Variable based on your creditworthiness and other factors
Balance Transfers APRN/AN/A
Foreign Transaction FeeNo foreign transaction feeNo foreign transaction fee
Annual Fee$0 introductory annual fee for the first year, then $250$295 annual fee
 

Card Rewards & Benefits

Bonus Airline Rewards Bonus Airline Rewards: Airline Bonus: Get 25% points back after you use points for all or part of an eligible flight booked with Amex Travel, up to 250,000 points back per calendar year.*
Point Rewards Point Rewards: More Rewards: Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month †
4X points apply to the first $150,000 in combined purchases from these 2 categories each calendar year.*
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 ExpressAmerican Express Business Gold Card
Pros & ConsPros:
  • 1.5% discount for paying early
  • No pre-set spending limit
Cons:
  • $250 annual fee
Pros:
  • Rewards
Cons:
  • $295 annual fee
  • Requires excellent credit
Bottom LineFlexible business charge card to help manage cash flow... Read full reviewGood rewards card for established business owners... 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 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.


    Articles on The Plum Card® from American Express


    Articles on American Express® Business Gold Card


    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.

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    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

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    Compare Business Gold 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


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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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