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Plum Card From American Express
Consumer Reviews, Credit Score and Income Needed, Credit Limits

Picture of The Plum® Card From American Express OPEN
27 Reviews
Consumer Rating:
star ratingstar ratingstar ratingstar ratingno star rating4.3
Lowest:
685
Average Score:
741
Highest:
810
All
5 Star
51%
4 Star
33%
3 Star
11%
2 Star
0%
1 Star
3%
1 Star 2 Star 3 Star 4 Star 5 Star
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Credit Score: 689 Credit Limit: 0 Age: 35-44
Posted 10/22 2016
Overall Rating: star ratingstar ratingstar ratingstar ratingno star rating
I applied online and was given the 7-10 day wait message. Got an email 3 days later saying that I was approved. My score was about 689.
 
Credit Score: 690 Credit Limit: 0 Age: 25-34
Posted 01/29 2016
Overall Rating: star ratingstar ratingstar ratingstar ratingno star rating
I also got the Plum and like it for the deferred payment (especially in my contracting business). My score was 690 when I applied.
 
Credit Score: 785 Credit Limit: 0 Age: 45-54
Posted 06/14 2015
Overall Rating: star ratingstar ratingstar ratingstar ratingno star rating
I have the Blue Cash and Green Card (both consumer cards) before I applied for the Plum. My firm is a small advertising firm with 5 employees. My personal score was 785 when I applied. The approval was instant. I find that we end up using the early pay feature all the time rather than the deferred payment option.
 
Credit Score: 773 Credit Limit: 50000 Age: 35-44
Posted 02/02 2015
Overall Rating: star ratingstar ratingstar ratingstar ratingno star rating
I run a home theater installation business and every month, I have been using my citi thankyou and chase freedom to run about $50k for the business. However, I decided to get this card because of the deferred payment option. This gives me the flexibility to manage cashflow. My TU score was 773 when I applied.
 
Credit Score: 702 Credit Limit: 0 Age: 25-34
Posted 09/19 2014
Overall Rating: star ratingstar ratingstar ratingstar ratingno star rating
I was deciding between the plum and the business gold (because I do travel for my business). I ended up getting the Plum because I think cash back "adds to the bottom line" whereas I would have simply used the points for my personal family vacations. When I applied, my score was about 702 and my business has been around for about 2 years.
 
Credit Score: 690 Credit Limit: 0 Age: 18-24
Posted 08/18 2011
Overall Rating: star ratingstar ratingstar ratingstar ratingno star rating
My business just got approved for the Plum Card. So right now, I am waiting for the card to arrive in the mail. My scores are in the high 600s (as a reference point).
 
Credit Score: 765 Credit Limit: 0 Age: 35-44
Revenue: $300000
Posted 01/15 2011
Overall Rating: star ratingstar ratingstar ratingstar ratingno star rating
I was checking my amex account login and saw that I was pre-approved for the plum card on a banner. I needed a credit card for my business and decided to pull the trigger. It came back with the message "congratulations, you are approved". I run a marketing business with $300,000 in revenue and my score is about 765.
 
Credit Score: 712 Credit Limit: 0 Age: 35-44
Posted 09/13 2009
Overall Rating: star ratingstar ratingstar ratingstar ratingno star rating
Score: 712
The thing that I like about this card is that it helps me manage my cashflow. I can delay paying for 60 days if I need to. In business most customers will pay you within 60 days but some will take up to 90 days. So having that flexibility really helps with the cash flow.
 
Credit Score: 802 Credit Limit: 0 Age: 25-34
Posted 03/11 2009
Overall Rating: star ratingstar ratingstar ratingstar ratingno star rating
I use this card for paying my large inventories. Never had a problem.