American Express® National Bank Plum Credit Card®
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American Express® National Bank Plum Credit Card®
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| Community Rating |
Rating not yet determined |
| Purchase APR (Variable APR) | N/A |
| Balance Transfer APR (Variable APR) | N/A |
| Credit Score Range | 650 - 850 |
| Annual Fee | $250 |
American Express® National Bank Plum Credit Card® Review
Key Takeaways
- 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases.
- Annual fee waived the first year. American Express® National Bank Plum Credit Card® gives you the chance to have the card for a year without paying the $250 annual fee.
- No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
- Multiple business credit card benefits. Includes generous credit card perks, such as rental insurance, emergency support, extended warranty protection on purchases, purchase protection, travel accident insurance, travel assistance, and fraud protection.
- Fair or better credit required. You will have good approval odds if your credit score is above 650.
Pros & Cons of American Express Plum card
| The Good | The Bad |
|---|---|
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American Express Plum card FAQ
Who is American Express Plum card designed for?
What are the relevant APRs?
American Express Plum card is a charge card and therefore doesn't have interest charges. You must pay your balance in full every month.What fees does it charge?
The following fees apply to this business credit card:
- An annual fee of $250.
- A returned payment fee of up to $39.
Does it charge a foreign transaction fee?
This business credit card does not charge foreign transaction fees. If you are a frequent traveler, this can save you hundreds of dollars in credit card fees when you travel out of the country.
| Fees | Amount |
|---|---|
| Annual Fee | $250 |
| Foreign Transaction Fee | 0% |
| Returned Payment Fee | $39 |
Does it offer a cash back rewards program?
This business credit card offers a rewards program to its customers. The rewards program allows you to earn cash with every purchase you make. This business card offers rewards to small business owners that use the card to make purchases in the following bonus categories:
- Every Purchase
Does it have a sign up bonus?
This business credit card doesn't offer a cash signup bonus.
Does it offer an annual loyalty bonus?
This business card doesn't offer a cash loyalty bonus.
Can I get it with just an employer identification number (EIN)?
You can apply for this business credit card with your EIN number, but expect the credit card issuer to also require your Social Security number. This is because, as with most business cards, it requires you to personally guarantee the line of credit.What are the benefits?
This business credit card provides the following benefits:
- Auto Rental Collision Damage Waiver
- Emergency Support
- Extended Warranty Protection
- Fraud Liability
- Travel Accident Insurance
- Travel Assistance
- Reports to major credit bureaus
What is the support contact email?
The support contact email for this business credit card is info@americanexpress.com.
How do people rate the customer service and user experience?
Overall, this business credit card is mostly not recommended based on community reviews that rate customer service and user experience.
Does American Express® National Bank Plum Credit Card® report your account activity to credit bureaus?
Yes, American Express® National Bank Plum Credit Card® reports your account activity to the following credit reporting agencies:
- Equifax
- Experian
- Transunion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.
How to apply?
- Visit the American Express National Bank .
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, annual income, and source of employment.
- Check the information is accurate and submit your application.
- If you're denied click here to find out why your application may have been rejected and what you can do about it.
View American Express® National Bank Plum Credit Card®'s published terms & conditions.
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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Message From American Express National Bank
Contact
- Headquarters
-
World Financial Center
200 Vesey Street
New York, NY 10285 - Visit Site
- Email Support
Other Services by American Express National Bank
View all business credit cards offered by American Express National Bank
Feature Breakdown
| Foreign Currency Transaction Fee | 0% |
| No Annual Fee | |
| No Annual Fee First Year | |
| No Foreign Transaction Fee | |
| Annual Fee | $250 |
| Late Fee Amount | Starting at $39 |
| Returned Payment Fee | $39 |
American Express® National Bank Plum Credit Card® Community Reviews
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