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The Plenti® Credit Card from Amex

Cardholders' Choice i
Approval Odds

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4.7 out of 5 stars
13 Reviews

From Cardholders in the last year

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Application Process

4 out of 5 stars

Customer Service

3.5 out of 5 stars

4.5 5

Card Details

  • Balance Transfer Intro APR Not Applicable
  • Balance Transfer Regular APR 15.49% - 25.49%* Variable
  • Annual Fee $0
  • Purchase Intro APR 0%* for 12 Months
  • Purchase Regular APR 15.49% - 25.49%* Variable

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.


These reviews were written by current and former cardholders in the last year.

Jan 07, 2017
great so far
Anonymous Cardholder

i applied credit karma said i had a very good chance at getting it with 685 fico score they look like the pull experian my score was 612 eq and 611 on credit karma

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Dec 07, 2016
Going good.. and looking good
PraSanVar Cardholder

I was new to the US when I applied for this card. Had to submit a few documents as proof to Amex and finally after 15-20 days of scrutiny, was approved for $1000 credit line. I use the Plenti points I earn at Exxon gas stations (I get at least one free gas fill up a month with the accumulated points). I pay off all the amounts every month. Exactly 6 months later to the date of activating my account, I received a credit line increase to $3000. 

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Dec 07, 2016
I saw, I applied, I was approved.
plasmodesmata Cardholder

I have been working on repairing my credit for a year. I have one collection left (medical) but my scores are decent ranging from 667-696 depending upon who you ask. Either way the score is up over 100 points. So I decided maybe its time I applied for another card. I did that yesterday and was approved for a 2000$ limit. I'm reservedly happy, Credit Karma said I had very good odds at getting it and many of the reviews lead me to believe that I'd get it... I don't care so much about all the points and such as much as I care about the evidence this card represents of my credit improving.

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Oct 29, 2016
Great rewards
klcheerio Cardholder

691 Ex 684 TU
I applied and was given the "we'll send you a letter explaining" screen. Turns out, I had also applied for the AMEX Blue a few days before (I was approved) and they didn't immediately approve for security reasons. I called in and was told that I'd get a decision via email in 3 business days. Two days later, I was approved. $2800 limit.

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Oct 28, 2016
tech5170 Cardholder



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Oct 22, 2016
Approved with 660 experian
rugguy46 Cardholder

Approved for $1000 ck odds very good. Already have green card. Rebuilding for 3 years.

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Oct 20, 2016
No Complaints!
Floridagal234 Cardholder

Applied with a CK score of 665 and believe it or not my approval  odds were Fair however since I'm already a Plenti member I had previously received many offers in my e-mail for this card from Plenti directly so I figured I'd get approved even with Fair odds. Got approved instantly for $1,000 credit limit to start very easy process I'm surprised I'm reading reviews that so many weren't approved. Good luck!

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Oct 05, 2016
So Far So Good
Arabus1987 Cardholder

I received a pre-approved offer from AmEx for this card.  I applied online and was instantly approved for $1,400.  My fico score was in the 710 range.  I haven't really had the opportunity to take advantge of the Plenti rewards but I will.  I mainly applied for this card because I wanted to be a member of the AmEx family.  AmEx has a history of giving really good credit limit increases.  I am counting down to 61 days so I can apply for a 3X CLI with a soft pull.  Keeping my fingers crossed.

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Oct 04, 2016
Easy approval
Mael87 Cardholder

I appply with credit score 698from  Experian  and cmon 676 .... the process was easy I got a 2000 credit limit 

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Jul 20, 2016
Approved with 666 CS on Experian
ImmigrantBrit Cardholder

Trying to build my credit as a recent immigrant to the USA, I was approved for this card with a 666 rating on Experian, I see some others with higher credit scores got denied. I do already have an Amex Blue Cash Preferred, so maybe this is the reason.

Good luck to you guys and thanks to CK allowing me to moitor my progress!!

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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.

† 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 and typical low score to the 5th 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 June 2014 through November 2014. 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.

The Plenti® Credit Card from Amex

13 Reviews
Cardholders' Choice i