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VS

Compare the Features and Benefits of The Plum Card® and
Citi Rewards+®

Detailed Comparison Overview

Key Facts
Annual Fee
Avg. Min. Credit Score
APR on purchases
APR on balance transfers
Ongoing APR
Balance transfers fees
Best Multiplier
Avg. Point Value
(Learn More)
Bonus Offer
Rating
Review
Key features
Unique Card Benefits
No Fees for Authorized Users
Has No Preset Spending Limit
Extended Warranty
Purchase Protection
Return Protection
Secondary Car Rental CDW Waiver
No Foreign Transaction Fees
Travel and Emergency Assistance Services
Amex Offers
0% Intro APR on Purchases
0% Intro APR on Balance Transfers
Free Access to Credit Score
Annual Fee
$250 (Rates and fees)
Avg. Min. Credit Score
670-850 *
APR on purchases
-
APR on balance transfers
-
Ongoing APR
-
Balance transfers fees
-
Best Multiplier
1.5x Everything Else
Avg. Point Value
(Learn More)
$0.01
Bonus Offer

None. Terms Apply.

Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(2.88) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Review

The Plum Card® is quite possibly the most unique card in the lineup of American Express business credit cards. As a full “No Preset Spending Limit” card (these used to be called charge cards by American Express, but that term is no longer used), it is really a great choice for extremely high spenders.

1.5% is a solid cash back rate for a card with no preset spending limit, though if you have spend that falls into the right bonus categories, you might want to first take a look at the American Express® Business Gold Card which is also a No Preset Spending Limit card but offers 4X Membership Rewards points on the top two categories you spend on each month from the following categories: Airfare purchases directly with the airline, U.S. online, TV and radio advertising purchases, U.S. Computer Hardware / Software / Cloud Computing purchases, U.S. Gas Stations purchases, U.S. Restaurants (including takeout and delivery), U.S. Shipping purchases – up to a combined total of $150,000 per calendar year.

cloud-computing-the-plum-card

(Note that the Plum Card earns cash back, not rewards points).

Now if your business is often a bit behind with cash flow (perhaps all of your client payments come more than 30 days after you need to make your own payments, then the 60 day payment period offer on this card (instead of the early pay discount – i.e. the cash back) could really be a massive benefit. So while it’s a niche card product, it can knock the ball out of the park for certain business owners.

Rates and Fees for The Plum Card®

Read more
Unique Card Benefits
yes
No Fees for Authorized Users
yes
Has No Preset Spending Limit
yes
Extended Warranty
yes
Purchase Protection
yes
Return Protection
yes
Secondary Car Rental CDW Waiver
yes
No Foreign Transaction Fees
yes
Travel and Emergency Assistance Services
yes
Amex Offers
yes
0% Intro APR on Purchases
no
0% Intro APR on Balance Transfers
no
Free Access to Credit Score
no
Annual Fee
$0
Avg. Min. Credit Score
670-850 *
APR on purchases
0% Intro APR (on purchases for 15 months, 18.74%-28.74% thereafter)
APR on balance transfers
0% Intro APR (on balance transfers for 15 months, 18.74%-28.74% thereafter)
Ongoing APR
18.74%-28.74% (Variable)
Balance transfers fees
Intro fee 3% of each transfer ($5 min) completed within the first 4 months of account opening. After that, 5% of each transfer ($5 min).
Best Multiplier
2x Gas Stations
2x Groceries
1x Everything Else
Avg. Point Value
(Learn More)
$0.01 - $0.016
Bonus Offer

Earn 20,000 bonus ThankYou® points after you spend $1,500 in purchases with your card within 3 months of account opening.

Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(3.43) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Review

The Citi Rewards+ card comes with no annual fee but offers a unique value proposition among the sea of rewards credit cards on the market. In fact, it’s the only credit card to automatically round up to the nearest 10 points on all purchases made with the card. This can be vastly beneficial for small purchases you make on the card, as you’ll get to supercharge your ThankYou points® earning ability with the Citi Rewards+.

The card’s only bonus categories are gas stations and grocery stores, which will be useful for most households. You’ll earn 2x points on the first $6,000 spent every year in these categories combined, which breaks down to roughly $500 in monthly spend. If you exceed this spending cap, you’ll only earn 1x points per $1 spent.

gas-stations-citi-rewards-plus

Redeeming your ThankYou points is easy through your online Citi account, where you’ll get the best redemption value from travel or gift cards at 1 cent per point. While other rewards like “Shop with Points” or redeeming for a statement credit may be enticing, these redemption options present a poor value at just 0.8 cents and 0.5 cents, respectively. (Note: When we value the “minimum” redemption value of this card in our calculator at 1 cent per point, we are assuming you will take the maximum redemption option of gift cards.)

No matter how you redeem your points, you’ll get to earn 10% of all the points you redeem every year — up to the first 100,000 points annually. That’s a nice little boost to your ThankYou points balance.

Not only is the Citi Rewards+ a good choice for everyday purchases, but it also makes for a great supplementary card to any other Citi rewards cards you may have in your wallet since you can pool your points together.

If you already have the Citi Premier, a popular travel rewards card, you’ll earn 3x points on restaurants, supermarkets and gas stations, air travel and hotels, and 1x point on all other purchases. That’s where the Citi Rewards+ comes in: you can use the card for small purchases or non-bonus categories to take advantage of that favorable 10% automatic round-up feature.

Plus, if you also have a Citi Premier, you can cash out all of your Citi ThankYou points for 1 cent each or transfer them to ThankYou airline and hotel transfer partners.

(Please note: Without also holding a Citi Premier or Citi Prestige card, you will not be able to transfer these points to Citi’s ThankYou® airline and hotel transfer partners.)

Finally, you’ll have peace-of-mind with important coverages like purchase protection and extended warranty that can come in handy when your eligible card purchases are damaged or stolen.

Read more
Unique Card Benefits
yes
No Fees for Authorized Users
yes
Has No Preset Spending Limit
no
Extended Warranty
no
Purchase Protection
no
Return Protection
no
Secondary Car Rental CDW Waiver
no
No Foreign Transaction Fees
no
Travel and Emergency Assistance Services
no
Amex Offers
no
0% Intro APR on Purchases
yes
0% Intro APR on Balance Transfers
yes
Free Access to Credit Score
yes

Learn more about these cards today

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