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VS

Compare the Features and Benefits of The Plum Card® and
Journey Student Rewards from Capital One

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
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
No Fees for Authorized Users
Amex Offers
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 car. You’ll earn 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
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
No Fees for Authorized Users
yes
Amex Offers
yes
Annual Fee
$0
Avg. Min. Credit Score
*
Ongoing APR
29.99% (Variable)
Balance transfers fees
-
Best Multiplier
1.25x 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
(0) 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 card is no longer available. Please see our other Student Credit Cards.

Read more
Unique Card Benefits
no
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
No Fees for Authorized Users
no
Amex Offers
no

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