Plum

American ExpressBusiness cardAmexClosed to new applicants

Closed to new applicants Mar 25, 2026 (same day the Graphite Business Cash Unlimited launched). Existing accounts continue unchanged. If you already have it, its credits still count, and the Premium Finance app still tracks them.

Credits 0

This card has no statement credits that expire.

Also included

No foreign transaction fees
Up to 60 days to pay without interest (pay minimum due)
Car rental loss and damage insurance (secondary)
Purchase protection and extended warranty

Before you apply

American Express’s application rules, as reported by people who applied. Banks don’t publish most of these. All banks’ rules

2/90 Firm rule

No more than two new Amex credit cards in a 90-day span. Charge cards such as Platinum, Gold and Green are left out of the count. A third credit card application within 90 days is usually turned down.

1/5 Soft rule

One new Amex credit card every 5 days at most. A second application within 5 days usually sits in pending until the 5 days are up.

5 credit cards Firm rule

You can usually have up to 5 Amex credit cards open at the same time. Charge cards are separate. With 5 open, new Amex credit cards get declined. Closing or downgrading one frees a spot.

Never miss one of these credits

Add the Plum to Premium Finance, our free app. It lists each credit with a checkbox, reminds you before they expire and shows whether the card earned its fee. Free.

Open the free app