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The Plum Card®

The Plum Card®

Card Details
VS
The Hilton Honors American Express Business Card

The Hilton Honors American Express Business Card

Card Details

Compare the Features and Benefits of The Plum Card® and
The Hilton Honors American Express Business Card

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
Extended Warranty
Purchase Protection
Secondary Car Rental CDW Waiver
No Foreign Transaction Fees
No Fees for Authorized Users
Amex Offers
Unique Card Benefits
Has No Preset Spending Limit
Return Protection
Travel and Emergency Assistance Services
Annual Statement Credits
Grants Hotel Status
Grants Car Rental Status
Trip Protections
Does Not Report Credit Line to Personal Credit Profile
Metal Card
The Plum Card®
Annual Fee
$250 (Rates and fees)
Avg. Min. Credit Score
Good-Excellent
Ongoing APR
-
Balance transfers fees
-
Best Multiplier
1.5x All Other Eligible Purchases
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
Extended Warranty
yes
Purchase Protection
yes
Secondary Car Rental CDW Waiver
yes
No Foreign Transaction Fees
yes
No Fees for Authorized Users
yes
Amex Offers
yes
Unique Card Benefits
yes
Has No Preset Spending Limit
yes
Return Protection
yes
Travel and Emergency Assistance Services
yes
Annual Statement Credits
no
Grants Hotel Status
no
Grants Car Rental Status
no
Trip Protections
no
Does Not Report Credit Line to Personal Credit Profile
no
Metal Card
no
The Hilton Honors American Express Business Card
Annual Fee
$195 (Rates and fees)
Avg. Min. Credit Score
Good-Excellent
Ongoing APR
20.99%-29.99% (Variable)
Balance transfers fees
-
Best Multiplier
5x Dining Out / Food Delivery
5x Groceries
5x Airfare
5x Hotels

Applies only at Hilton Honors hotels booked directly with Hilton; else earn 3X points per dollar.

5x Car Rentals
5x EV Charging
5x Gas Stations
5x Cruises
5x Transit
5x Drugstores
5x Cable / Internet / VOIP Phone
5x Cellular Phone Service
5x Office Supplies
5x Rent
5x Streaming Services
5x Advertising (Online / TV / Radio)
5x Gym Memberships
5x U.S. Electronic Goods Retailers / Software / Cloud System Providers
5x Construction Materials / Hardware Supplies
5x Online Retail Shopping
5x Amazon / Whole Foods
5x Entertainment (Concerts / Shows / Movies)
5x Costco
5x Shipping
5x Advertising on Search Engines and Social Media
5x Lyft
5x Single Charges over $5,000
5x All Other Eligible Purchases
Avg. Point Value
(Learn More)
$0.005
Bonus Offer
Earn 130,000 Hilton Honors Bonus Points after you spend $6,000 in purchases on the Hilton Honors Business Card within the first six months of Card Membership. Terms apply.
Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(3.83) 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 Hilton Honors American Express Business Card comes with some valuable benefits, including Gold Elite status, which gets you free breakfast (or a daily food and beverage credit) on all stays at full-service Hilton hotels and resorts and is the only business credit card that earns Hilton Honors points.

You can redeem Hilton Honors points and Free Night Rewards for a room like this with room with a private plunge pool in Mexico

With Hilton Honors points having an approximate value of 0.5 cents per point, you are earning roughly 6% back on Hilton stays (earning 12X)  and 2.5% back on your first $100,000 of eligible spend (earning 5X).

However, after $100,000 in a calendar year, all eligible spend outside of a Hilton property will earn 3X which we would value at about 1.5% cash value.

Also, you’ll get up to $60 in statement credits each quarter for purchases made directly with a property in the Hilton portfolio on your Hilton Honors American Express Business Card. If you use all 4 credits in full, you’d more than cover the Card’s annual fee.

hilton business card amex

Hilton Honors Business Credit Card

The Hilton portfolio also has some breathtaking hotels and resorts at which you can spend your Hilton Honors points.

View from an infinity pool at the Waldorf Astoria Pedregal in Los Cabos, Mexico - Bookable with Hilton Honors points and Free Night Rewards.

While we don’t recommend the Hilton Honors Business card as your only business credit card, it certainly is worth more than its annual fee if you frequently stay at Hilton portfolio hotels and resorts.

Rates and fees for the The Hilton Honors American Express Business Card

Read more
Extended Warranty
yes
Purchase Protection
yes
Secondary Car Rental CDW Waiver
yes
No Foreign Transaction Fees
yes
No Fees for Authorized Users
yes
Amex Offers
yes
Unique Card Benefits
no
Has No Preset Spending Limit
no
Return Protection
no
Travel and Emergency Assistance Services
no
Annual Statement Credits
yes
Grants Hotel Status
yes
Grants Car Rental Status
yes
Trip Protections
yes
Does Not Report Credit Line to Personal Credit Profile
yes
Metal Card
yes

Learn more about these cards today

The Plum Card®

Card Details

The Hilton Honors American Express Business Card

Card Details

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