The Plum Card® from American Express vs American Express® Blue Business Cash Card

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

Charge Card vs Credit Card: The Plum Card® from American Express is a charge card while American Express® Blue Business Cash 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 Express	American Express® Blue Business Cash Card
	Business Charge Card	Business Credit Card
	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. No Foreign Transaction Fees. Introductory annual fee of $0 for the first year, then $250 Terms & Restrictions Apply. See Rates & Fees See Current Offer	Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement. From workflow to inventory to floor plans, your business is constantly changing. That's why you've got the power to spend beyond your credit limit with Expanded Buying Power§. Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us and other factors. 0.0% intro APR on purchases and balance transfers for 12 months, then a variable rate, 14.74%, 17.74%, or 20.74%, based on your creditworthiness and other factors as determined at the time of account opening. No Annual Fee Terms Apply See Rates & Fees See Current Offer
	Card Interest Rates & Fees
Introductory APR for Purchases	N/A	0% introductory APR on purchases for 12 months
Introductory APR for Balance Transfers	N/A	0% introductory APR on balance transfers for 12 months
Purchase APR	N/A	14.74% to 20.74% Variable based on your creditworthiness and other factors
Balance Transfers APR	N/A	14.74% to 20.74% Variable based on your creditworthiness and other factors
Foreign Transaction Fee	No foreign transaction fee	2.7% of each transaction after conversion to US dollars.
Annual Fee	$0 introductory annual fee for the first year, then $250	No annual fee
	Card Rewards & Benefits
Cash Back Rewards		Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
	Go to issuer's official application, terms, and details	Go to issuer's official application, terms, and details
	CreditDonkey® Card Reviews
Pros & Cons	Pros: 1.5% discount for paying early No pre-set spending limit Cons: $250 annual fee	Pros: 2% cash back on the first $50,000 spent each calendar year, then 1% Intro APR No annual fee Cons: Not Visa/Mastercard
Bottom Line	Flexible business charge card to help manage cash flow... Read full review	Good cash back card for small business owners... Read full review
What Others View	American Express Business Platinum Business Gold Card Blue Cash Everyday
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.

Articles on The Plum Card® from American Express

American Express Plum Card
Is the Plum Card® from American Express worth it? Read on to see how this card can help business owners manage cash flow.
• American Express Plum Card vs American Express Business Platinum
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• American Express Plum Card vs Blue Cash Everyday

Articles on American Express® Blue Business Cash Card

Blue Business Cash Review
American Express® Blue Business Cash Card offers 2% cash back on up to $50,000 in purchases per calendar year (then 1%). But is it good for your business? Read on.
• Blue Business Cash vs Blue Business Plus
• Blue Business Cash vs Ink Business Cash
• Blue Business Cash vs Ink Business Unlimited

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.

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Compare American Express Plum Card to:

The Business Platinum® Card from American Express Terms Apply | Read Review | See Rates & Fees Annual Fee $595

American Express® Business Gold Card Terms Apply | Read Review | See Rates & Fees Intro APR (Purchases) Intro APR (Balance Transfer) Regular APR N/A N/A 15.74% - 23.74% Variable Annual Fee $295

Blue Cash Everyday® Card from American Express Terms Apply | Read Review | See Rates & Fees Intro APR (Purchases) Intro APR (Balance Transfer) Regular APR 0% on Purchases for 15 months 0% on Balance Transfers for 15 months 14.49% - 25.49% Variable Annual Fee $0

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Compare Blue Business Cash to:

The Blue Business® Plus Credit Card from American Express Terms Apply | Read Review | See Rates & Fees Intro APR for Purchases Intro APR for Balance Transfer Regular APR Annual Fee 0% for 12 months 0% for 12 months 14.74% - 20.74% Variable No annual fee