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  American Express® National Bank Plum Credit Card®

American Express® National Bank Plum Credit Card®

in Business Credit Cards from American Express National Bank

Claimed

American Express® National Bank Plum Credit Card®

Claimed

in Business Credit Cards from American Express National Bank

Net Recommendation Score -50

SUPERMONEY NET RECOMMENDATION SCORE

This product is mostly not recommended by SuperMoney users with a score of -50, equating to 2 on a 5 point rating scale.

-50

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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0 users recommend
1 user is unsure
1 user doesn't recommend
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Highlights
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 oods if your credit score is above650.
Pros & Cons of American Express Plum card
The Good The Bad
  • 0% APR on new purchases .
  • Annual fee waived during the first year.
  • Multiple business credit card perks.
  • Offers auto rental collision damage waiver.
  • Extended warranty on purchases.
  • Travel accident and travel assistance insurance.
  • No foreign transaction fee.
  • Cardholders can earn rewards on purchases everywhere American Express® National Bank Plum Credit Card® is accepted.
  • American Express® National Bank Plum Credit Card® reports to multiple credit bureaus.
  • Charges an annual fee of $250
  • Does not offer a signup bonus.
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.

American Express Plum card Fees
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 customer service phone number?

The customer service number for this business card is (800) 528-4800.

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.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
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 Plum Credit Card®

Earn $500 back. Earn a $500 statement credit after you spend $15,000 in purchases on the Card within the first 3 months of Card Membership. Enjoy the flexibility to pay in full each month or carry your balance for up to 60 days with no interest. Pay early and get rewarded, when your cash flow allows. Earn unlimited 1.5% cash back on the portion of your balance you pay within 10 days of your statement closing date. There's no cap on how much you can earn and no purchase categories, just savings applies to your next statement. And when you need more time, we've got your back, with up to 60 days to pay without interest. Just pay your minimum payment due by your payment due date.  The Plum Card has No Preset Spending Limit, which gives you purchasing power that adjust with your use of the card and other factors. No Preset Spending Limit does not mean unlimited spending. Purchasing power adjusts with your use of the Card, your payment history, credit record and financial resources known to us, and other factors.

Contact

Hours of Operation

  • Sunday 7:00am - 12:00pm
  • Monday 7:00am - 12:00pm
  • Tuesday 7:00am - 12:00pm
  • Wednesday 7:00am - 12:00pm
  • Thursday 7:00am - 12:00pm
  • Friday 7:00am - 12:00pm
  • Saturday 7:00am - 12:00pm

Other Services by American Express National Bank

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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
Customer Type Business
Minimum Age 18
Credit Score Range 650 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Extended Warranty Protection
  • Purchase Protection
  • Emergency Support
  • Fraud Liability
  • Travel Accident Insurance
  • Travel Assistance
Rewards Rates
  • Every Purchase
Card Network American Express
Card Type
  • Rewards
  • Cashback
  • Charge Card

American Express® National Bank Plum Credit Card® Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is mostly not recommended by SuperMoney users with a score of -50, equating to 2 on a 5 point rating scale.

-50

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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