"Our plan is to use it to purchase inventory."

"This is perfect for our business."

"It's a no-brainer for any business spending a lot of money."

"The Plum Card is an amazing tool for managing cash flow."

"The Plum Card is an amazing asset to our business."

"We typically have to put a lot of cash up front, so it's nice to have that cushion."

"When cash flow is good we take the discount."

"Having the option to pay 10% and defer payment is an outstanding idea."

"When times are tight the extended terms help us with cash flow."

Terms & Conditions

  1. Early Pay Discount
  2. Defer Pay Option
  3. No Pre-Set spending Limit
  4. OPEN Savings
  5. Additional Plum Cards
  6. Roadside Assistance
  1. Automatic Bill Payment
  2. Car Rental Loss and Damage Insurance
  3. American Express® Card Baggage Insurance Plan
  4. Travel Accident Insurance
  5. Travel Services Locations
  1. Purchase Protection Plan
  2. Buyer's Assurance Plan
  3. Event Ticket Protection Plan
  4. Return Protection
  1. Identity Theft Assistance
  2. Global Assist Hotline
  3. Express Cash
  4. Emergency Check Cashing
  5. Emergency Card Replacement
Patriot Act Notice
Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account, including your name, address, date of birth and other information that will allow us to verify your identity.
Annual Fee
The annual fee of $185 for the Basic BusinessFlex Card is waived for the first year of your membership (The first year annual fee is waived for new Card applicants only. If you transfer an existing account to BusinessFlex, you are not eligible for the first year fee waiver.) Annual fees for additional BusinessFlex Cards are $0 for the first additional BusinessFlex Card and $45 for each additional BusinessFlex Card. All charges made on this Charge Card are due and payable when you receive your billing statement
Late Payment Fees
Varies from state to state, from zero to the greatest of $39 or 1.5% of the delinquent balance and $39 or 2.99% of the seriously delinquent balance.
  1. Early Pay Discount

    Pay your balance in full within 10 days of the statement closing date and get a 1.5% discount on eligible purchases made that month. The discount will appear as a credit on the following billing statement.

  2. Defer Pay Option

    If you pay at least 10% of the balance from new activity on your billing statement plus the entire amount of any previously deferred payment or amounts past due by the “Please Pay By Date” on that statement , you may defer payment of the remainder of that balance until the closing date of your next billing cycle without penalty.

  3. No Pre-Set spending Limit

    The American Express Card has no pre-set spending limit, giving you purchasing power that adjusts with your use of the card. No pre-set spending limit does not mean unlimited spending. Your purchases are approved based on a variety of factors including spending patterns, your payment history, your credit history, and financial resources known to us.

  4. OPEN Savings®

    OPEN Savings®: Payment must be made with an American Express® Business Card at the time of purchase. Savings will be credited to your American Express Business Card billing statement. All savings referenced are in addition to any offers made by participating companies. Participation and offers are subject to change without notice. Terms and conditions apply. For more information, please visit opensavings.com.

  5. Additional Plum Cards

    Terms, Conditions and Restrictions apply. The additional BusinessFlex card member must be 18 years or older and must have never had a defaulted account with American Express. Any account you have with American Express must not be in default.

  6. Roadside Assistance

    This service provides up to 4 service calls per year, with $50 of coverage per service call. (Limit of 1 service call in 7 days for the same cause.) Towing is to nearest authorized facility with a maximum of 10 miles with a maximum of $50 coverage. Service is limited to contiguous United States and Canada. Additional terms and conditions apply, visit americanexpress.com/benefits.

  7. Automatic Bill Payment

    Check with your service provider regarding specific policies on using your Card for automatic payment. Card payment may not be available for all service providers in all markets. Participating partners subject to change. In some instances, it may take more than one billing cycle before initial paid amounts are posted to your Card account. Please remember to cancel those payments with your service provider if you close your Card account, and advise your service provider if your Card account changes.

  8. Car Rental Loss and Damage Insurance

    Car Rental Loss and Damage Insurance is underwritten by AMEX Assurance Company, Administrative Office, Green Bay, WI. Coverage is determined by the terms, conditions, and exclusions of Policy AX0925 and is subject to change with notice. This document does not supplement or replace the Policy.

  9. American Express® Card Baggage Insurance Plan

    Underwritten by AMEX Assurance Company, Administrative Office, De Pere, WI. Coverage is determined by the terms, conditions, and exclusions of Policy AX0400 and is subject to change with notice. This document does not supplement or replace the Policy.

  10. Travel Accident Insurance

    Underwritten by AMEX Assurance Company, Administrative Office, De Pere, WI. Coverage is determined by the terms, conditions, and exclusions of Policy AX0948 and is subject to change with notice. This document does not supplement or replace the Policy.

  11. Travel Services Locations

    Not all services are available at all locations. Services are subject to local laws and cash availability.

  12. Purchase Protection Plan

    Underwritten by AMEX Assurance Company, Administrative Office, Green Bay, WI. Coverage is determined by the terms, conditions, and exclusions of Policy AX0951 and is subject to change with notice. This document does not supplement or replace the Policy.

  13. Buyer's Assurance Plan

    Underwritten by AMEX Assurance Company, Administrative Office, Green Bay, WI. Coverage is determined by the terms, conditions, and exclusions of Policy AX0953 and is subject to change with notice. This document does not supplement or replace the Policy.

  14. Event Ticket Protection Plan

    Underwritten by AMEX Assurance Company, Administrative Office, De Pere, WI. Coverage is determined by the terms, conditions and exclusions of Policy AX0974 and is subject to change with notice. This document does not supplement or replace the Policy.

  15. Return Protection

    If you try to return a designated item within 90 days from the date of purchase and the merchant won't take it back, American Express will refund the full purchase price, up to $300 per item, excluding shipping and handling, up to a maximum of $1,000 annually per Card account, if you purchased it entirely with your eligible American Express Card.**

    **Coverage is subject to additional terms, conditions and exclusions.

  16. Identity Theft Assistance

    Should you suspect that somebody is using your identity online or in shops, American Express has representatives on call when you need them- 24/7 to help determine if you are a victim of identity theft; recommend steps for recovery; and offer tips on how to protect yourself in the future. Call the toll-free hotline at 800-297-7672 or visit us at www.americanexpress.com/idtheftassistance for more information.

  17. Global Assist Hotline

    Whenever you travel more than 100 miles from home, you have security and peace of mind 24/7 with medical, legal, financial or other emergency assistance, including medical and legal referrals, visa/passport help, cash access, lost luggage and more.

  18. Express Cash

    By accepting the Card, I also have the option to request enrollment in your Express Cash ATM program. I will receive the terms and conditions, including fees, in the Agreement when I receive my Card. I acknowledge that I must call American Express to enroll in the Express Cash program. If I am approved for this program, you will issue me a Personal Identification Number (PIN).

  19. Emergency Check Cashing

    Not all services available at all locations and are subject to local laws and cash availability.

  20. Emergency Card Replacement

    Not all services available at all locations and are subject to local laws and cash availability.

RETURN TO BENEFITS

Other American Express OPEN Cards » | Apply by Phone: 888.848.PLUM