The Plenti® Credit Card from Amex

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  • Earn 5,000 Plenti® points after you spend $250 in purchases on your Plenti® Credit Card from Amex within your first 3 months of Card Membership.
  • Terms and Conditions apply.
  • No annual fee and no annual fee for Additional Cards.
  • 3 Plenti points at US supermarkets (on up to $6,000 per year in purchases), 2 points at US restaurants and 1 point on other purchases for each eligible dollar spent. Terms apply.
  • Earn points in addition to what you can with the Plenti® rewards program. Learn More.
  • Use Plenti® points for things you already buy at AT&T company-owned stores, Macy's and more! Terms and limitations apply.
  • Visit our credit card partner’s site in order to learn more and securely apply for The Plenti® Credit Card from Amex
Annual Fee:
$0
Purchase Intro APR:
0%*
(12 Months)
Purchase Regular APR:
15.24% - 25.24%*
Variable
Balance Transfer Intro APR:
N/A
Balance Transfer Regular APR:
15.24% - 25.24%*
Variable

Details, Rates & Fees

Click here for Additional Details

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* See the online Provider's credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the 'Apply Now' button, you can review the credit card terms and conditions on the provider's website.

Cash Advance Rate 25.49%
Cash Advance Fee 3%, Min: $5
Late Fee Up to $37
Penalty APR 29.49%
Balance Transfer Fee 3%, Min: $5
Foreign Transaction Fee 2.7%
Return Payment Fee Up to $37

Rewards

Sign-Up Bonus

Earn 5,000 points after you spend $250 in 3 months.

All Purchases

1 point per dollar

No cap on spending

Groceries

3 points per dollar

3 Plenti points at US supermarkets (on up to $6,000 per year in purchases)

Restaurants

2 points per dollar

2 points at US restaurants


Cardholders' Reviews

The following information and reviews are brought to you by Credit Karma and/or its users. Banks, issuers, and credit card companies do not endorse or guarantee, and are not responsible for this content.
Most Helpful Positive Review
SonicChris8
I was approved!
by SonicChris8
Helpful to 8 out of 8

CK said I had a Very Good chnace of getting approved. I've been waiting a few months looking at the approval odds and reviews. I closed on my house yesterday, so thought I'd give it a shot today. Application was very quick and easy... But then I got the will receive a decision in 14 days response. I was pretty disapointed and sorry that I wasted that hit. Then about 5 minutes later my day was made... I looked in my email and I had an approval email! I was approved for 1K limit. I'm very happy because this is my fist AMEX and I've been working to rebuild my credit for a while. I'm only at a CK624, but things are looking up. I have 5 other cards and my balance is below 10% usage. Thanks and I hope this helps others.

The following information and reviews are brought to you by Credit Karma and/or its users. Banks, issuers, and credit card companies do not endorse or guarantee, and are not responsible for this content.
Most Helpful Negative Review
Locogus1
by Locogus1
Helpful to 32 out of 35

Be careful when applying for this card. Credit Karma can say there are very good odds for approval. But they only take in consideration experian. Not  equifax or transunion. 


Our Take

The Plenti® Credit Card from Amex pairs with a free Plenti® rewards membership, giving cardholders the opportunity to earn more rewards points.

What to Like

To apply for The Plenti® Credit Card from Amex, you’ll have to sign up first for the free Plenti® rewards program. Once you start using the credit card, you can earn one point for every dollar spent on eligible purchases. On top of that, if you present your Plenti® rewards membership when you’re paying, you can also earn additional points at participating retailers. There’s no annual fee for the credit card or rewards program membership, and there’s also a 0% intro APR for 12 months on purchases.

Look Out For

You don’t need this credit card to earn points from the free Plenti® rewards program, and you can actually pair your rewards membership with any method of payment. This card also comes with a $5 or 3% (whichever is greater) fee on balance transfers, and there’s a high Penalty APR that applies after a missed payment.

Similar Offers

† Credit Karma looks at how your credit profile compares to other Credit Karma members who were approved for this product. Of course, there's no such thing as a sure thing, but knowing whether your Approval Odds are Very Good, Good, Fair or Poor may help you narrow down your choices.

‡ Average score refers to the arithmetic mean, typical low score to the 5th percentile and typical high score to the 95th percentile of, in each case, available VantageScore 3.0 credit scores provided by TransUnion of Credit Karma members who were approved for this product from March 2016 through August 2016. Average and typical approved scores are provided as guidelines only and approval is not guaranteed. You can learn more about credit card approval through our in-depth article.

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