How is this calculated? We rate credit cards by carefully reviewing their fees, features, bonus offers, and overall value. Our team of writers and experts dives deep into the details to compare each card and give it a score you can trust.Credit card issuers have zero influence here. These ratings are all about helping you find the best card for your wallet.
Annual fee:
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Welcome offer:
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Rewards rates:
- Unlimited 1.5% Early Pay Discount on eligible charges paid in full within 10 days of your statement closing date, applied as a discount on your next statement.
- No traditional rewards structure, meaning no points, miles, or cash back balances to track.
Perks & benefits:
The Plum Card is a unique option for business owners seeking flexibility and simplicity. It offers unlimited 1.5% back as a discount on eligible charges paid within 10 days of the statement closing date, making it a great fit for businesses that can pay off balances quickly. For those needing more time, the card allows 60 days to pay with no interest, as long as the minimum payment is met by the due date. Great for e-comm and online businesses.
Additional perks include no foreign transaction fees, ideal for international business purchases, and purchase protection covering eligible items against theft or damage for up to 90 days, with a limit of $1,000 per purchase. You'll also benefit from extended warranties of up to one additional year on eligible purchases, and car rental loss and damage insurance for up to $50,000.
Finally, return protection helps cover items retailers won’t take back within 90 days of purchase, with a maximum benefit of $1,000 per account per year. These features make the Plum Card a strong choice for businesses valuing flexibility and straightforward benefits.
Rewards Highlights
- Earn an unlimited 1.5% Early Pay Discount on eligible charges paid in full within 10 days of your statement closing date, applied as a statement credit on your next bill.
- Take up to 60 days to pay with no interest, as long as you meet the minimum payment by the due date.
- Enjoy no foreign transaction fees, making it an excellent option for international business purchases.
- Stay protected with purchase protection, covering eligible items against theft or damage for up to 90 days, with a maximum of $1,000 per purchase and $50,000 per card account per year.
- Benefit from extended warranty coverage, adding up to one additional year on eligible warranties, with coverage of up to $10,000 per purchase.
- Get up to $50,000 in car rental loss and damage insurance for rentals paid in full with your Plum Card.
- Access return protection, allowing you to return eligible items that retailers won’t accept within 90 days of purchase, with a maximum benefit of $1,000 per calendar year.
Author: Luis Lan
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Last Updated: December 30, 2024
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