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Compare the Features and Benefits of The Plum Card® and
Costco Anywhere Visa Card by Citi

Detailed Comparison Overview

Key Facts
Annual Fee
Avg. Min. Credit Score
Ongoing APR
Balance transfers fees
Best Multiplier
Avg. Point Value
(Learn More)
Bonus Offer
Rating
Review
Key features
Unique Card Benefits
Secondary Car Rental CDW Waiver
No Foreign Transaction Fees
Travel and Emergency Assistance Services
Has No Preset Spending Limit
Extended Warranty
Purchase Protection
Return Protection
No Fees for Authorized Users
Amex Offers
Roadside Assistance
Annual Fee
$250 (Rates and fees)
Avg. Min. Credit Score
670-850 *
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 (No Preset Spending Limit means your spending limit is flexible. Unlike a traditional card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment, and credit history.).

The American Express® Business Gold Card earns 4X Membership Rewards points on up to $150,000 in total spend per calendar year, in the two qualifying categories where your business spends the most money every month out of 6 select business categories.

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
Secondary Car Rental CDW Waiver
yes
No Foreign Transaction Fees
yes
Travel and Emergency Assistance Services
yes
Has No Preset Spending Limit
yes
Extended Warranty
yes
Purchase Protection
yes
Return Protection
yes
No Fees for Authorized Users
yes
Amex Offers
yes
Roadside Assistance
no
Annual Fee
$0
Avg. Min. Credit Score
800-850 *
Ongoing APR
20.49% (Variable)
Balance transfers fees
Balance transfer fee applies with this offer 5% of each balance transfer; $5 minimum.
Best Multiplier
4x Gas Stations
3x Airfare
3x Transit
3x Car Rentals
3x Dining Out / Food Delivery
3x Hotels
2x Costco
1x Everything Else
Avg. Point Value
(Learn More)
$0.01
Bonus Offer
None at this time
Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(3.25) 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

This Costco-branded card earns 2% cash back at Costco. It also earns an incredible 4% cash back at gas stations including EV charging stations, both at Costco and otherwise, for the first $7,000 per year.

Additionally, it earns 3% cash back at restaurants and on travel.

** You must have a Costco membership to be eligible for this card. *

Read more
Unique Card Benefits
yes
Secondary Car Rental CDW Waiver
yes
No Foreign Transaction Fees
yes
Travel and Emergency Assistance Services
yes
Has No Preset Spending Limit
no
Extended Warranty
no
Purchase Protection
no
Return Protection
no
No Fees for Authorized Users
no
Amex Offers
no
Roadside Assistance
yes

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