The Plum Card
$250 annual fee · no published rate on everything else · no foreign transaction fees
Earn rates
| Category | Rate | Cap |
|---|---|---|
| Everything else | not published | the issuer does not print a rate for uncategorised spending |
Does the fee earn out?
The $250 fee minus $0 in printed credits leaves $250/yr to earn back through rewards — roughly $∞ of spending at the base rate. Whether that clears depends on your actual spending.
Is this $250 fee worth it? See the break-even math →
Check the current offer on the issuer's site → Where a card link will appear once available — no link on this page pays us today.
More from American Express
Which card should this spending actually be on? The demo re-scores a year of realistic spending against every card in a wallet — free, no signup. See it on sample data →
Verified 2026-09-04 against issuer terms · sources: www.americanexpress.com · www.nerdwallet.com · www.bankrate.com. This card is closed to new applicants. Spot an error? Tell us.