American ExpressThe Plum Card from American Express
Pay early for 1.5% off, or float your bill 60 days. Discontinued March 2026.
Welcome Bonus
None
No public welcome offer. Closed to new applicants 3/25/26
Spend Requirement
None
Annual Fee
$250
No FTF
Credit Score
700+
(Good-Excellent)
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
Last verified 2026-06-10 · spot an outdated offer? Tell us in the comments.
Earning Rates
- 1.5xDiscount on any bill paid within 10 days of the due date
Credits
No statement credits, this card wins on earn rates, not coupons.
Benefits
- ✦Pay early for 1.5% off, or take up to 60 days to pay with no interest
- ✦No foreign transaction fees
- ✦No fee employee cards
Why it earns its spot
- +Unlimited 1.5% with no category games for early payers
- +60-day float is real working capital for cash-flow businesses
Where it costs you
- −Discontinued: closed to new applicants March 25, 2026
- −$250 fee needs about $17k/yr of early-paid spend to break even
The Compound Verdict
A cash-flow tool, not a rewards card, and Amex retired it in March 2026 in favor of the new Graphite lineup. Existing cardholders keep their accounts. If you have one and use the early pay discount, keep using it.
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