CreditDonkey is a credit card comparison and reviews 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†




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

Compare Rewards, Interest Rates, 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 Blue Cash Everyday from American Express, a cash back, gas and grocery credit card? Read our comparison chart below.

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

 The Plum Card from American ExpressBlue Cash Everyday Card from American Express
 Apply NowApply Now
 

The Plum Card® from American Express

Blue Cash Everyday® Card from American Express

 Business Charge CardPersonal Credit Card
 
No Pre-Set Spending LimitCar Rental InsuranceExtended WarrantyPurchase ProtectionReturn Protection
Introductory Bonus Cash BackCash Back RewardsGas RewardsGrocery RewardsCar Rental Insurance
 
  • 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
  • Earn a $150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • 3% Cash Back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
  • 2% Cash Back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
  • Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 14.49% to 25.49%.
  • Over 3 million more places in the U.S. started accepting American Express┬« Cards in 2017 and 2018.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • No annual fee.
  • Terms Apply.
  • See Rates & Fees
 

Card Interest Rates & Fees

Introductory APR for PurchasesN/A0% introductory APR on Purchases for 15 months
Introductory APR for Balance TransfersN/A0% introductory APR on Balance Transfers for 15 months
Purchase APRN/A14.49% to 25.49% Variable based on your creditworthiness and other factors
Balance Transfers APRN/A14.49% to 25.49% Variable based on your creditworthiness and other factors
Foreign Transaction FeeNo foreign transaction fee2.7% of each transaction after conversion to US dollars.
Annual Fee$0 introductory annual fee for the first year, then $250$0 annual fee
 

Card Rewards & Benefits

Introductory Bonus Cash Back Earn a $150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
Cash Back Rewards 3% Cash Back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%). 2% Cash Back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
Gas Rewards 2% Cash Back at U.S. gas stations.
Grocery Rewards 3% Cash Back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
 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 ExpressBlue Cash Everyday Card from American Express
Pros & ConsPros:
  • 1.5% discount for paying early
  • No pre-set spending limit
Cons:
  • $250 annual fee
Pros:
  • Bonus cash back
  • 3% cash back at U.S. supermarkets (up to $6k/year in purchases, then 1%)
  • No annual fee
Cons:
  • Not a Visa/MasterCard
Bottom LineFlexible business charge card to help manage cash flow... Read full reviewGreat cash back card for cardholders who pay in full... Read full review
 Apply NowApply Now

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 Blue Cash Everyday?

Still need help deciding which cash back credit card is better? Read the in-depth reviews below. You may also be interested in comparing American Express Plum Card or Blue Business Cash.


Articles on The Plum Card® from American Express


Articles on Blue Cash Everyday® Card from American Express


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.

Name
Email (won't be published)


Compare American Express Plum Card to:

American Express Business Platinum
Introductory Bonus OfferTravel RewardsAirline RewardsBonus Airline RewardsHotel RewardsPoint RewardsNo Limits on RewardsNo Pre-Set Spending LimitConcierge Car Rental InsuranceExtended WarrantyPurchase ProtectionReturn ProtectionBaggage Insurance$0 Fraud LiabilityEmergency Card ReplacementIdentity Theft AssistanceRoadside Assistance
Card TypeAnnual Fee
Business Charge Card
$595

Business Gold Card
Introductory Bonus OfferBonus Airline RewardsPoint RewardsNo Expiration on RewardsNo Pre-Set Spending LimitEventsCar Rental InsuranceExtended WarrantyPurchase Protection Return ProtectionBaggage Insurance$0 Fraud LiabilityRoadside Assistance
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
N/AN/A
15.74% - 23.74% Variable
$295

You might also be interested in

How to Build Business Credit

A good business credit score can increase a company's value and protect personal credit. But how can I build my business credit fast? Read on for the answer.

Compare Blue Cash Everyday to:

Blue Cash Preferred

Blue Cash Preferred® Card from American Express

Introductory Bonus Cash BackCash Back RewardsGas RewardsGrocery Rewards
Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
0% on purchases for 12 months
0% on balance transfers for 12 months
14.49% - 25.49% Variable
Annual Fee
$95
Capital One Quicksilver

Capital One® Quicksilver® Cash Rewards Credit Card

Introductory Bonus Cash BackCash Back RewardsNo Expiration on RewardsNo Limits on Rewards
Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
0% intro on purchases for 15 months
0% intro on balance transfers for 15 months
15.74% - 25.74% (Variable)
Annual Fee
$0
American Express Gold

American Express® Gold Card

Introductory Bonus OfferAirline RewardsPoint RewardsGrocery Rewards
Annual Fee
$250

Disclaimer: The information for the Capital One® Quicksilver® Cash Rewards Credit Card has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer.

Infographics: Where Does All My Money Go

Household Spending Statistics

Where does all the money go? See what typical Americans make and spend in a month.


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