Plum
American Express$250 a yearNo foreign transaction fee
Not open to new applicants.
Already have it? On typical spending it does not cover the annual fee: weigh a downgrade or closing it before it renews.
Not open to applications
With no current offer, the first year counts no welcome bonus.
| First-year value | Amount |
|---|---|
| No current offer | $0 |
| Rewards above a 2% no-fee cardvs Double Cash, on $32,500 typical spend | $0 |
| Annual fee | −$250 |
| First year | −$250 |
| Each year after | −$115 |
Not counted in the first year: protections (each year after counts them).
Earning
| Rate | Category | Return |
|---|---|---|
| 1.5% | Everything else | 1.5% |
Business card · Earns Cash Back
Benefits
Protections (5)
- Travel Accident Insurance, up to $100,000, Up to $100,000 accidental death and dismemberment coverage
- Purchase Protection, up to $1,000, Coverage against damage or theft for 90 days, up to $1,000 per occurrence, $50,000 per year
- Extended Warranty, Extends warranty by up to 1 year
- Return Protection, up to $300, Return items within 90 days for a refund up to $300 per item if the merchant won't accept the return
- Car Rental Insurance (secondary), up to $50,000, Up to $50,000 coverage for theft of or damage to eligible rental vehicles when you decline the rental company's CDW
Other Perks
- No pre-set spending limit
- No cost for additional employee cards
- Global Assist Hotline: 24/7 access to medical, legal, financial or other select emergency coordination and assistance services when traveling 100+ miles from home
- Premium Roadside Assistance (flat tire changes, battery jumpstarts, towing up to 10 miles)
Sources and methodology
First-year value is Miles' estimate for a typical spender: the welcome bonus at Miles' point values, plus the rewards this card earns above the best no-annual-fee card's everyday rate on a typical year of spending, plus credits at the share a typical holder uses rather than their face value, plus any certificate or free night earned in that year, minus the first-year fee and the cost of putting the minimum spend on this card instead of that one.
Lounge access, elite status, other benefits, purchase and travel protections, and a certificate or free night that arrives on the card's anniversary are listed beside the first-year figure, not in it. Each year after counts them, with the rewards and credits, less the annual fee. A credit or benefit that needs a spend or a stay counts only where its condition is printed beside it, and credits gated on spend most people never reach are left out.
The fee, offer, earning rates, credits and protections come from the card's record in the Miles dataset, kept against the issuer's own terms. The verdict line is chosen from a fixed set of sentences by Miles' analysis of the offer and the card; nothing on this page is written by hand for one card.
Recent changes
- changed from null to Plum CardOct 8, 2026
- changed from null to chargeSep 2, 2026
- changed from null to closedAug 30, 2026
- changed from $200 statement credit after each $10K you spend on the card, up to $30K, in the first 3 months to N/A - Card is no longer available for new applicantsAug 30, 2026
- changed from 10000 to nullAug 30, 2026
- changed from 90 to nullAug 30, 2026
- changed from null to 10000Aug 13, 2026
- changed from null to 90Aug 13, 2026