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The Plum Card® from American Express is a different kind of card, giving small business owners a lot of flexibility when it comes to paying it off. While this business card doesn’t offer any robust rewards program, there’s an option to earn a discount for early payments. S. Penalty Fees . Delta SkyMiles® Reserve American Express Card - best for sky club access. The Plum Card® from American Express is a business charge card designed for small and mid-sized business owners who need flexibility in managing their cash flow. Both cards have the usual generous American Express sign-up bonuses: The Amex Platinum Cashback card pays you 5% back on your spending in the first three months, to a maximum spend of £2,500 (so capped at £125 back). Platinum Card Members can enjoy access to more than 1,400+ airport lounges across 140 countries and counting, including flagship locations through. 3. If you need to carry a balance, Amex offers a feature called Pay Over Time, with interest rates similar to a credit card. Platinum. 2. None. While the value of the card’s ongoing rewards is up for debate, the Amex Business Platinum card’s latest introductory offer should grab your attention. However, certain premium cards cover your purchases for up to $10,000 per incident, with the same limit of up to $50,000 in total claims per calendar year. $250 ( rates & fees) Best for Cash Back. Note that. Card: Welcome Offer: Annual Fee: Best For: The Business Platinum Card ® from American Express: OUR BEST OFFER: Earn 120,000 points after you spend $15,000 on purchases in the first 3 months. Both card impose a 3% foreign exchange fee on transactions outside the UK. American Express offers credit cards and charge cards mostly focused on luxury travel benefits, high-end rewards, and premium customer service. To validate your coverage, please call the number on the back of your Card. Card Rewards & Benefits. Earning. Annual Fees and Adding Authorized Users. However, the perks on the Amex Business Gold card are somewhat light, but you’ll save about 50% on annual fees compared to the Amex Business Platinum card. American Express Platinum. When you factor in the large number of perks that the card offers like the best airport lounge access at over 1,400 lounges, along with tons of annual. I'm a business owner, film and TV production, and one of my biz cards is my Amex Plum. The personal Platinum card earns 5x Amex Membership Rewards points on airfare booked directly with airlines or through Amex Travel (note: Starting January 1, 2021, the 5X points will apply up to. With The Platinum Card, you get automatic Marriott Bonvoy Gold Elite Status and Hilton Honors Gold Status, premium car rental status for various car rental programs and airport lounge access. This feature promises and delivers instant gratification, encouraging a cycle of responsible credit card usage. Updated September 20, 2023. Fees Annual Membership Fee . It’s tied only by The Business Platinum Card® from American Express (see rates & fees) and topped only by the invite-only Amex Centurion. AmEx Platinum vs. Since the Amex Platinum card is $600 more each year, you’ll want to make certain that all of the benefits you receive from the card are worth it for you. Compare our most popular business cards online. Earn a $100 Delta Flight Credit towards future travel after you spend $10K on your Card in purchases during a calendar year ‡. See full list on upgradedpoints. Amex Platinum vs Amex Business Platinum: Both offer excellent welcome bonuses and perks and have the same annual fee — here's how to decide which card is right for youThe Platinum Card® from American Express is one of the top cards around when it comes to being treated like a VIP. Enrollment required. Update: The AMEX Consumer Platinum Card‘s Audible benefit will end on 10/1, however you can now use your entertainment credit for the Wall Street Journal’s digital and/or print edition! I love reading the journal, so that’s a great trade in my book. You have nothing to lose by applying. But one of the most tangible perks of select American Express cards is airport lounge access. Delta has severely nerfed the value of their skymiles over the past years so it’s better to have the Amex platinum card and have flexibility over where your points go than to be limited to delta’s price fixed skymiles. The Amex Schwab Platinum card offers a statement credit of up to $200 each year based on the amount of holdings in your Schwab account. CreditSecure®. Amex and Chase points are both worth 2 cents each in TPG's valuations, and both bonuses require the same amount of spending ($15,000 in the first three months). For starters, Capital One Venture X offers an initial bonus of 75,000 miles for spending $4,000 in the first 3 months. Fees Table . The variable APR on the Amex Gold can range from 15. In 2011, they put a spending limit on my account of $1500. Start Accepting Amex. 8. Most of the information you need to complete an American Express business card application is straightforward. The card has the ability to earn up to 5x. Enjoy an introductory interest rate of just 2. To be honest these days I use my Chase Ink more. While both cards offer compelling rewards and benefits, you’ll notice that the Chase Sapphire Reserve card offers significantly more perks — but that is to be expected given its annual fee is $400 higher than the Amex Green card. Extended Warranty¹. New personal Amex Platinum card members can currently earn 80,000 bonus points after spending $8,000 on purchases in the first six months after opening the. The card allows members to travel in comfort. Select the Card below to read the full Policy for Extended Warranty related to that Card. The Amex Platinum card comes with a long list of premium travel and shopping. If you fly Delta, you’ll also receive complimentary access to Delta Sky. Some applicants won't be eligible for this. American Express cards can only be downgraded to the. 5% . The Amex Plum card costs nothing the first year but costs $250 per year after that. Learn more about the benefits Card Membership can provide. • 21 days ago. With a steep annual fee and the limited. There is an exception: cards such as The Platinum Card® from American Express and American Express® Gold Card don’t count toward this limit. S. The main divergence between the American Express Cobalt Card and the American Express Platinum Card centers around their rewards, fees, and exclusive perks. Personally, while I don’t use every perk of the Amex Platinum card, I find I can easily offset the annual fee every year thanks to the up to $200 airline incidental credit, up to $240 digital entertainment credit, up. 85 cents each. Generally, Citi focuses on cash-back, no-frills service, and low fees. Unfortunately, the additional Platinum card user annual fee will skyrocket from 3 cards. Like 2-3 years ago, I. When it comes to cards that offer top-notch benefits, you’d be hard-pressed to find a better card out there than The Platinum Card ® from American Express. US Newcomers. 95 monthly Walmart+ membership (subject to auto-renewal) with a statement credit after you pay for Walmart+ each month with your Platinum Card®. The 2 look very similar to me in terms of annual fee and benefits. As a member of the SkyMiles loyalty program, you’ll get an additional 5x SkyMiles for Delta flights, equaling a total of 8x SkyMiles!Products & Services. $695. You must also be able to afford the card’s $395 annual fee. Currently, you can earn 80,000 Membership Rewards points after spending $8,000 during your first six months of card membership. It will automatically apply to a broad range of travel purchases. Earn $1,000 cash-back after you spend $10,000 on purchases in the first 3 months. The Business Platinum Card® from American Express is unquestionably the best premium business card, thanks to its slew of perks and ability to earn flexible, valuable Membership Rewards points. S. The U. Chip Lupo, Credit Card Writer. The Platinum Card from Amex earns 5 Membership Rewards points per $1 for flights booked directly with airlines or with American Express Travel on up to $500,000 per calendar year, 5 points per $1. Yes. American Express® Platinum ReserveSM Credit Card. While Amex is making a few updates to its top-of-the-line cards, the real kicker is the increased annual fee for authorized users on the personal version of the Platinum card. 1. Earn a $100 Delta Flight Credit towards future travel after you spend $10K in purchases on the Card during a calendar year ‡. $75. 00 purchase. Completely paid off my AmEx Cash Magnet card; Always paid the Plum card within a few days after statement cut (bonus: 1. Find Your Minimum Spending Requirement. At $695 per year, the Amex Platinum isn't an affordable card — but neither is the Delta Reserve. Earlier this year, however, American. On American Express's Website 5X Reward Rate Earn 5 Membership Rewards Points per dollar on prepaid hotels booked with American Express Travel and. American Express® Platinum Card . Annual Fees. American Express® Business Gold Card. 1. The Minimum Payment is the lesser of (1) or (2), calculated as follows: 1) the total of: (a) any previously billed minimum payment that remains unpaid on the Closing Date. 5 percent early pay discount on eligible charges you pay within 10 days of your account statement closing date. MARTIN DIMITROV/GETTY IMAGES. While both cards are issued by American Express, the Amex Platinum card is a premium travel rewards card that earns Membership Rewards points, while the Delta Platinum card is a co-branded airline credit card that earns Delta SkyMiles. High credit limits. Keep in mind, the American Express Plum Card has a $250 annual fee, while the Chase Sapphire Preferred has a $95 annual fee. American Express® Platinum Travel Credit Card. Verdict: Once the $200 travel credit is taken into account, the Platinum Card’s price point is more favourable. American Express Gold is a better card to use abroad than Amex Platinum, because you earn double Membership Rewards points when spending in a foreign currency. You’ll need to enter the following: Email Address. Although the card comes with a $525. This is important for American Express cardholders, given that the Platinum Card® from American Express card is currently offering 100,000 Membership Rewards points for new cardholders who spend. To validate your coverage, please call the number on the back of your Card. It's a great card, but it's not the right one for everyone. This fee might be a drawback for potential users who do not spend a significant amount monthly. Cardholders can also cancel an account by mail. The variable APR on the Amex Gold can range from 15. Ink Business Premier℠ Credit Card. It earns 1 point per dollar spent on all other purchases. Annual fee of $695 ( rates & fees) 5x points on flights purchased directly with the airline or with Amex Travel (up to $500,000 per year) Amazing statement credits. Key facts: £650 annual fee. Welcome bonus offer. When the travel credit is netted against the annual fee, we can think of the Platinum Card as having an “effective annual fee” of $499, which is more favourable than what the premium Aeroplan cards are charging. 5 years after you apply for a five-year membership for TSA PreCheck® (up to $85 through a TSA PreCheck official enrollment provider) and pay the application fee with your Platinum Card. *. You can choose to pay for these purchases over time with interest, or you can pay your full balance each month, whichever is best for your business. gas stations and Amex Travel, and 1X points on other eligible purchases. Welcome bonus. Finally, I think Amex Platinum cards are only approved for people that qualify for some minimum "hidden limit," and I've heard it's around $5k/month spend. Explore. Earn 2 miles on purchases at U. View All Prepaid & Gift Cards; United States Change Country. For these reasons, we value Amex points at around 2. $2,000. $39 . You can earn 120,000 Membership Rewards points after spending $15,000 on eligible purchases within the first three months of. But these major benefits come with an. Membership Rewards. Those 80,000 points are worth $1,600, according to TPG's valuation. $695. The official American Express App for iPhone allows you to access your Account from anywhere. The card’s purchase rate is 31%. 07/15 - Amex annual fee billed $250. Credit Cards. 5% cash back on any eligible portion of your balance you pay within 10 days of your statement. Annual fees. Enjoy exclusive access to the Amex for Foodies dining programme, with up to 20% off your bill at 30 premium restaurants. Credit Cards. Our other UK airline and hotel credit card reviews can be found here. The American Express Platinum Card is one tier lower. You have to pay your balance within 10 days of your statement closing date. Your Card number and expiry date can be found etched on the reverse of the Card. Here are the details on the rates and fees of. OR (2) the entire new balance of the billing statement. Your all-new metal Platinum Card Benefits. $2,000. Rates & Fees. Learn More. Everything else is credit, hence why you should see an explicit limit to your credit line with any other card. The Bottom Line. American Express Plum Card: Pricing information including interest rates, benefits and fees was obtained on July 7, 2023 from published websites and is believed to be accurate, but not guaranteed. $155 Walmart+ Credit: Cover the cost of a $12. Looking at the annual fee, for example, the Cobalt’s annual fee of $120 (charged as $10 over twelve monthly statements) is far lower than the Platinum Card’s effective annual fee of $499 ($699, offset by an annual $200 travel credit). Currently, you can earn 80,000 Membership Rewards points after spending $8,000 during your first six months of card membership. Amex Business Gold Card; Amex Plum Card; Comparing. $0. That said, Capital One Venture X is one of the best travel rewards cards on the market right now, which makes it prestigious. Welcome bonus: Earn 40,000 bonus miles. Welcome bonus. Banking Banking. The Platinum Card annual fee. Cardmembers will receive statement credits for their total spend on NEXUS fees rounded down to. 10,000* Get Amazon Vouchers worth ₹1,500* for each Card. Cash Back Rewards. On the downside, it charges a steep $695 annual fee that can be too much for your budget if you don’t travel enough in the year to use all the. About American Express; Investor Relations; Careers; Global Network; Contact Us; Amex Mobile App; Products & Services. It offers a domestic main cabin round-trip companion certificate that the Delta SkyMiles® Gold American Express Card doesn't bring to the table. Travel Protections and Benefits [$375] 6. 8. or . Card details Capital One Venture Amex Platinum Chase Sapphire Preferred; Annual fee: $95: $695 (see rates & fees) $95: Bonus: 100,000 bonus miles when you spend $20,000 on purchases in the first 12 months from account opening or 50,000 miles if you spend $3,000 on purchases in the first 3 monthsEligible purchases can be paid over time, up to the amount of your Pay Over Time Limit on your account. Here are the cards that include this protection when you use them to pay for your items: American Express® Business Gold Card. Explore all the thrilling benefits, offers and rewards of your Platinum Travel Credit Card that you get to enjoy as a cardholder. 5%; August 1, 2023 – 4%; August 1, 2024 – 4. The Capital One Spark Miles card is our runner-up business card, but this credit card has a totally different ideal cardholder than the Amex Business Gold card. These perks come at a cost, though — the card's annual fee is $695 (see rates and fees), making it among the most expensive of all consumer cards to carry. 2. Earn a $100 Delta Flight Credit towards future travel after you spend $10K in purchases on the Card during a calendar year ‡. Compare American Express Platinum vs American Express Plum Card and see which is better. The Capital One Venture X Rewards card debuted in late 2021 with excellent travel perks and an annual fee of $395 — the lowest of any card on this list. Besides the flexible net 60 terms, once in a blue moon there'll be a SUB on it. • 2 yr. Fees Annual Membership Fee . There are two different ways to file a claim for an incident. American Express® Gold Card: Best for foodies and earning on food and grocery purchases. 95 plus applicable local sales tax. Earn 3% Uber Cash on business rides with. Most charge cards on the market now are geared toward businesses, such as The Plum Card® from American Express and the Brex Business Card. Each year you get up to a $300 travel credit in the Capital One travel portal and every year you keep the card you get 10k miles, worth. You can earn up to 225,000 MR points per calendar year this way – it’ll take quite a few referrals to hit the limit. Statement cut off date 7/15. It is a Charge card, like the Gold or Green or Platinum. The discount shows up as a. File a Claim or Check Claim Status. Bottom Line: While both cards have good earning potential, the Chase Sapphire Reserve card has the edge as more categories earn 3 points per dollar spent. Rates & Fees. Amex Business Gold Card vs. View All Prepaid & Gift Cards. 5X miles on purchases over. S. In addition to its many benefits, the American Express Business Platinum card also comes with a welcome offer of 120,000 points for spending $15,000. Not only is it a higher amount than the up-to-$200 airline fee credit that comes with the Amex Platinum, but it's also much less restrictive. NerdWallet's . You could also be targeted for a higher bonus through the CardMatch tool (although offers through CardMatch are not. Chase charges a $550 annual fee, but you’ll pay $75 for each additional authorized user. Card Members must pay in full all charges not included in a Pay Over Time balance. Right now, there is a generous welcome offer on the Amex Platinum: Earn 80,000 Membership Rewards Points after you spend 80,000 on purchases within the first six months of card membership. $39 . We’re excited about the new additions to the Amex Business Platinum card, but equally (or more) exciting is its increased welcome offer. Delta SkyMiles® Gold American. Reward your inbox with the TPG Daily newsletter. In contrast, the Business Platinum bonus is worth $2,400, making them two of the most valuable offers on the market. com, not for any seller fees or Amazon Advertising purchases. Also, this card only earns 1. For now, let’s take a look at how to actually earn these points! 1. In 2011, they put a spending limit on my account of $1500. 07/18 - denied when I tried pay a licensing fee $160. Track spending & rewards, find offers, review your balance, pay your bill and enjoy features only available in the Amex. supermarkets and gas stations. Based on TPG's valuation of Membership Rewards points at two cents each, the Platinum bonus is worth $1,600. Per dollar spent on all other eligible purchases. While both share some similarities, there are notable contrasts that cater to distinct financial preferences. Cost includes $12. First checked bag free on Delta Flights ‡. The American Express Plum card also is unique in that it rewards cardholders for paying off their balances early, rather than for making purchases. Why It’s One of the Most Exclusive Credit Cards: The most exclusive credit card is the Centurion Card from American Express, otherwise known as the Amex Black Card. 60,000 bonus points (worth $900 in award travel): Chase Sapphire Reserve®. 670+ Credit Score For the Amex Business Gold Card. At first glance the increase from. Key link: American Express Platinum application page. ScorpioRising55. 1. 99% – 29. 1. Centurion. 3% Cash Back on U. Like, Comment, and Share my videos!🔔 SUBSCRIBE HERE 🔔 👇 Watch My Other Videos Here 👇 👇★ The Alliant Visa Signature. Authorized User Fee. 95, depending on the location and level of coverage selected. You could also be targeted for a higher bonus through the CardMatch tool (although offers through CardMatch are not. Pay It Plan It — Pay It Plan It is really 2 payment options. Activate Your Amex Platinum Card. Update: Used Plum card on 07/15 and spent $499. Penalty Fees . Redeem. However, some TPG readers have been targeted for even better offers: up to 125,000 points on the personal. Still, the truth is that if they were made of real Platinum, the card alone would cost over $780, even more than the annual fee of $695. Welcome Bonus. The Gold Card’s current. Our Take. You can get a discount of 1. 60,000 bonus points after you spend $6,000 on purchases. If you’re ever unsure if a large purchase will be approved, just use the Check Spending Power. Marriott Bonvoy Business ® American Express ® Card. So, these two premium cards are not only great for travel, but they are also useful for everyday spending. It offers a generous introductory rate of 0% for the first 12 months, then a 16. S. online retail purchases, on up to $6,000 per year, then 1%. VISA/MASTERCARD. For example, my Amex Gold card carries an 18. A 3-digit number in reverse italics on the back of your credit card. 5% unlimited Early Pay Discount; Extra Days to Pay option (make your minimum payment on time, then take up to 60 days to pay the rest with no interest; Terms apply; $250: Co-branded cards: Rewards rate: Annual fee: The Hilton Honors American Express Business CardIf your expenses are under 50k/year, you should be using the blue Business Plus. 5% cash back or pay up to 60 days later without. Manage payables and receivables all in one place. Per dollar spent on prepaid hotel purchases, booked and paid in advance, online at amextravel. Make Payments by Phone: 800-472-9297. Amex Platinum Amex Gold; Annual fee: $695: $250: Earning rates: 5x on flights booked directly with airlines or via American Express Travel (on up to $500,000 in purchases per calendar year) 5x on prepaid hotels booked with American Express Travel 1x on other eligible purchases 4x on dining at restaurants (including takeout and delivery. The Plum Card® from American Express. Amex’s marquee business credit card, the American Express Business Platinum Card is sought after as much for its perks and benefits as for its 5X hotel and airfare rewards categories. Emergency medical transportation assistance (may cover eligible. ago. Bonus Points. Business. Consider you have twice the time to spend less than half the amount of money for the bonus points. American Express has a suite of different personal and business credit cards,. For context, the average annual rewards payout from the business rewards credit cards in the investor. The Business Platinum Card® from American Express is unquestionably the best premium business card, thanks to its slew of perks and ability to earn flexible, valuable Membership Rewards points. The Scotiabank Platinum American Express card also has the lowest APR and annual fee of all the Platinum American Express cards available at 9. 60,000-point welcome bonus after spending $6,000 in the first 6 months of card membership. AMEX Business Platinum VS AMEX Business Plum. The card earns a whopping 4x points per $1 in the 2 categories (from a list of 6) that your business spends the most money on each month. MORE LIKE THIS Travel Travel Rewards Credit Cards. Amex Plum gives a discount of 1. online retailers. Going from three cards for $175 to $195 for each card is a drastic increase, and it's sure to rankle many long-time Platinum card members. The best charge card is The Plum Card® from American Express because of its many rewards and perks. 80,000-point. Compare Americanexpress. So whether you love (or don't love) the $200 annual airline fee credit , the up to $200 in annual Uber Cash , and up to $100 in annual Saks Fifth Avenue credits , they'll be sticking around. To downgrade the Amex Gold card, call American Express customer service at (800) 528-4800, and ask to downgrade your Amex Gold card to the American Express® Green Card. 2¢ off every gallon on your statement. Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible. Download App. Best for airline-specific perks. 04% difference. Compare Americanexpress. View All Prepaid & Gift Cards; Banking. The Amex Blue Cash Preferred card earns bonus cash-back on transit, including tolls, buses, trains, parking, and more. Benefit. If you do not pay for two billing periods in a row, the fee is the greater of. 2% back at a minimum, could even make it 2. With the Amex Blue Cash Everyday card, you’ll earn cash-back at U. 95 monthly Walmart+ membership (subject to auto-renewal) with a statement credit after you pay for Walmart+ each month with your Platinum Card®. Business Credit Cards. Chase Sapphire Reserve: Reserve Has More Mass Appeal. The Plum Card from American Express, on the other hand, has a unique “rewards” structure. 6 cents each. Make Purchases Online. It doesn't offer rewards, though it does have an early-pay discount. The representative APR on purchases is 31. Blue Cash Preferred® Card from American Express: Best feature: Bonus cash back at U. In comparison, The Business Platinum Card® from American Express is loaded with perks, and each benefit (however valuable it may be) requires a bit of. The Capital One Venture X Rewards card debuted in late 2021 with excellent travel perks and an annual fee of $395 — the lowest of any card on this list. $550. The Platinum Card® from American Express comes with a $695 annual fee. The Business Platinum Card® from American Express grants customers access to more than 1,000 airport lounges including Centurion Lounges, Delta Sky Clubs, Airspace Lounges and Priority Pass. Delta SkyMiles® Gold American Express Card. Plus, use your Card 30 or more times on purchases in a billing period and earn 50% extra points on those purchases less returns and credits. Bottom Line: While the Amex Business Gold card earns Membership Rewards points that have several flexible redemption options, the Amex Plum card offers the simplicity of a cash-back bonus applied at full value directly to subsequent monthly statements. NEW OFFER: Earn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months. 5% on balances paid before the due date. While every cardholder has their reasons for considering a downgrade, the Amex. You can add an authorized user to your Amex Platinum card for $195. S. OUR BEST OFFER: Earn 120,000 points after you spend $15,000 on purchases in the first 3 months. of the past due amount, whichever is greater. Additional Details. If you’re a committed United Airlines flyer, the United Club Infinite Card is a great option for a luxury travel experience. The Plum Card from American Express is a unique business charge card with a flexible payment option. Supermarkets ‡. The Amex Platinum consistently has one of the most valuable welcome offers out there. 5% cash back) Once pre-paid a large amount on the Plum in order to make a charge that was 3x the preset limit; Swiped the hell out of the Platinum Card, making mid-cycle payments to keep it usable and under the preset limit. 99% (see rates and fees) with the Pay-Over-Time feature. Winner: Venture X. 99% to 24. Benefit renews annually. Login - American ExpressIt was embarrassing, a Platinum Card declining for a 182. $695 (rates & fees): Best for Travel & Lounges: American Express ® Business Gold Card: CARD REFRESH: Earn 70,000 points after. The Amex Platinum is no exception, as it is currently offering 80,000 Membership Rewards Points after you spend $8,000 on purchases within the first six months of card membership. Annual Fee. The Amex Platinum card is an ultra-premium travel rewards card with a ton of benefits, so it only makes sense that it has an ultra-premium price tag to go along with it. The personal version of the Amex Platinum offers a $100 annual Saks credit, which comes in the form of a $50 credit in the first half of the year (January through June), and a $50 credit in the second half of the year (July through December). *Welcome offer value is determined using TPG valuations and is not provided by or reviewed by the issuer. Products & Services. Bonus value*. You can only PC within a card family. Earns 5 Points per Dollar on Flights — [$100+] The Amex Platinum card earns a whopping 5 Membership Rewards points per dollar on airfare purchases made directly with the airline, up to $500,000 per year. 5% for paying early or you can get up to 60 days interest-free (on new balances) when you make the minimum payment. Best American Express Cards of November 2023. Delta Travel Benefits. supermarkets up to $6,000 in per year in purchases, 2X points at U. Carry a Balance Without Interest: Where most cards that offer 0% APR do so for an introductory period, the Plum Card from American Express takes a different approach. The American Express® App and app features are available only for eligible Card accounts in the United States. 50% cash back rewards on any balance amount paid within 10 days of the statement closing date and the ability to carry a balance for 60 days interest-free when you pay the Minimum Due by the Payment Due date. Updated September 20, 2023.