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The Plum Business card is designed to help a business manage its cash flow. You get to carry a balance for 60 to 90 days without paying interest ((60 days from when your statement prints). If you choose to pay your balance early, you will earn 1.5% cashback on all purchases! The no preset credit limit gives you a lot of extra purchase power.
- Credit: Good credit needed
- Step by step guide how on to apply without an LLC or C-Corp
- Amex 90-day rule: In a time span of 90 days, you can only get approved for 2 Amex cards.
- Max cards: You can only get approved for up to-and including- 10 Amex No Preset Spending Limit* cards. (This rule is not always enforced)
- Apply for two cards: If you apply for one Amex card and get approved, it is recommended to apply for a second card since Amex is very good about approving for two cards, even within the same day
- Credit bureau: Amex will usually pull your Experian credit report
- Combining same-day credit inquiries: Credit inquiries for same-day applications will be combined, as long as they are both approved for on the same day. Note, for some existing Amex credit cardholders, Amex will not do a hard credit pull when applying for a new credit card at any time
- Check application status: You can check your application status here or call 1 800 567 1083
- Reconsideration: If declined you can call 1 800 567 1083 to be reconsidered
Quickest way to get my card: Amex will sometimes give you an instant credit card number after approval, but not always. Amex physical credit cards cannot be expedited (except for the platinum cards) and will arrive after 5-7 business days
Approval Monitor (submitted by HelpMeBuildCredit users)
Disclosure: These results are based on information submitted by HelpMeBuildCredit users. Credit card approval results are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. Neither HelpMeBuildCredit nor the bank advertiser's take any responsibility on the accuracy of the information.
– 1.5% cash back when you pay your bill within 10 days of your statement closing date
No foreign transaction fee.
Secondary worldwide coverage on rentals up to 30 days (excluding Australia, Italy, and New Zealand). Max $50,000. You can purchase a premium plan from Amex that will offer primary coverage up to 42 days. Max $100,000.
Get one additional year to your original manufacturer's warranty time. (Will only cover if the original warranty is for 5 years or less). Max $10,000 per claim, $50,000 per year.
Get refunded if your purchase is damaged or stolen, up to 90 days from the date of purchase. Max $1,000 per claim, $50,000 per year.
