Plenti Credit Card from American Express review | finder.com

Plenti® Credit Card from Amex review

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Please note: This card has been discontinued, and it is not available on our site.

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Updated November 21st, 2018
Name Product Welcome Offer Reward Value per Dollar APR (Annual Percentage Rate) for Purchases Annual Fee
$150 statement credit after you spend $1,000 in purchases on your new card within the first 3 months.
1% cash back
14.99% to 25.99% variable
$0
Earn a $150 bonus statement credit after you spend $1,000 on purchases in the first 3 months. Rates & Fees
$200 statement credit after you spend $1,000 in purchases on your new card within the first 3 months
1% cash back
14.99% to 25.99% variable
$95
Earn $200 bonus cash back after you spend $1,000 on purchases in the first 3 months. Rates & Fees
250 Back. Here’s how: Earn a $150 statement credit after you spend $1,000 or more in purchases with your new Card within the first 3 months of Card Membership. Plus, earn an additional $100 statement credit after you spend an additional $6,500 in purchases within your first 12 months.
1.5% cash back
14.99% to 25.99% variable
$0
Earn up to $250 back. Earn $150 back after you spend $1,000 or more in purchases with your new card within the first 3 months of Card Membership. Plus, earn an additional $100 back after you spend an additional $6,500 in purchases within your first 12 months. You will receive the cash back in the form of a statement credit. Rates & Fees
Enjoy 70,000 bonus miles after spending $5,000 on purchases in the first 90 days.
2 miles
17.99%, 21.99% or 24.99% variable
$0 annual fee for the first year ($89 thereafter)
Enjoy 70,000 bonus miles after spending $5,000 on purchases in the first 90 days.
75,000 Bonus Points after you use your new Card to make $3,000 in purchases within the first 3 months.
2 points
17.74% to 26.74% variable
$0 annual fee for the first year ($95 thereafter)
Enjoy a $0 annual fee on the first year and earn up to 2 Starpoints® for every dollar of eligible purchases. Rates & Fees
125,000 Hilton Honors Bonus Points with the Hilton Honors American Express Ascend Card after you use your new Card to make $2,000 in eligible purchases within the first 3 months of Card Membership.
3 points
17.74% to 26.74% variable
$95
Earn 125,000 Hilton Honors™ Bonus Points after you spend $2,000 or more in purchases with your new card within the first 3 months of Card Membership. Rates & Fees
75,000 Hilton Honors Bonus Points with the Hilton Honors American Express Card after you use your new Card to make $1,000 in eligible purchases within the first 3 months of Card Membership.
3 points
17.74% to 26.74% variable
$0
Earn 75,000 Hilton Honors™ Bonus Points after you spend $1,000 in purchases on the card within your first 3 months of Card Membership. Rates & Fees
Earn a $150 cash rewards intro bonus after spending $2,500 in the first 3 months. 10% Anniversary Bonus on all Cash Rewards earned once a year.
1.5% cash back
14.99%, 18.99% or 24.99% variable
$0
Earn unlimited 1.5% cash rewards on purchases. See Rates and Fees.
10,000 bonus miles after spending $500 in purchases on your new Card in your first 3 months.
1 miles
17.74% to 26.74% variable
$0
Earn 10,000 Bonus Miles after spending $500 in purchases on your new card in your first 3 months of Card Membership. Rates & Fees
30,000 Bonus Miles after spending $1,000 in purchases on your new Card in your first 3 months and a $50 statement credit after you make a Delta purchase with your new Card within your first 3 months.
1 miles
17.74% to 26.74% variable
$0 annual fee for the first year ($95 thereafter)
30,000 bonus miles after you use your new card to make $1,000 on purchases within the first 3 months. Rates & Fees
1 points
16.99% variable
$495
Mastercard Black Card members receive an annual $100 air travel credit toward flight-related purchases including airline tickets, baggage fees, upgrades and more.
1 points
16.99% variable
$195
Enjoy unique excursions, privileged access to exclusive events and insider opportunities.
2 points
16.99% variable
$995
Earn points every time you spend. Luxury Card enhances your purchasing power by providing you with one (1) point for every one dollar ($1) you spend. Every purchase gets you closer to the rewards you want.

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Are you a frugal spender whose largest weekly expenditure is groceries? American Express may have had you in mind when it designed Plenti, a card offering one of the highest reward rates for supermarket spending.

You’ll get 3x points at supermarkets, 2x points for restaurant bills and 1x point for other eligible purchases. Redeem these points for discounts at AT&T, Macy’s, Enterprise, Hulu and more.

The perks

This card is a smart choice for grocery shoppers who want the maximum value for their spending. In addition to 3x points on all supermarket purchases, you can also enjoy 2x points on all restaurant bills and 1x point for all other eligible purchases.

  • 0% intro APR. After 12 months, the APR reverts to a variable rate of 15.99% to 25.99% variable .
  • Great value for supermarket purchases. Get 3x points for every dollar spent at grocery stores for redemption at any Plenti affiliate.

You’ll also like …

  • 2x rewards points at restaurants
  • 1x reward point everywhere else
  • Third-party return protection, roadside assistance and express shipping

What to watch out for

While the card is a good deal if used responsibly, it comes with severe penalties and interest rates for late or returned payments. The rewards program also limits how many points you can accrue and where you can apply them.

  • Annual fee. You’ll pay $0 p.a. a year to use this card.
  • It hurts to pay late. Making late or returned payments could saddle you with a penalty APR as high as 29.99% variable. You could also pay late and returned-payment fees as high as $38.
  • Limit on supermarket points. After you reach $6,000 at supermarkets, your reward rate decreases to 1x point until year end.
  • Limited redemption options. Use your points only at AT&T, BILO, Exxon, Harvey’s, Macy’s, Mobil, Rite Aid, Winn Dixie, Nation Wide, Chili’s, Direct Energy, Enterprise, Expedia and Hulu.

What should I know before I apply?

To apply for the Plenti® Credit Card from Amex, you must be:

  • At least 18 years old.
  • A legal resident of the US.

You’ll need to submit personal and financial information that includes:

  • Your full name and personal contact information.
  • Proof of stable employment.
  • Your date of birth and Social Security number.

What credit score do I need?

You’ll have a better chance of being approved for the Plenti® Credit Card from Amex if you apply with an excellent credit score of 700 or higher. You could get approved with credit scores as low as 700.

How to apply for the card

  1. Locate the Plenti® Credit Card from Amex website and click Apply Now.
  2. Complete the application and click Continue.
  3. Agree to the terms by clicking Agree & Submit Application.

How long will it take to be approved?

Because conditional credit approval is automated on the website, you may get a decision on your application within 60 seconds.

I got the card. Now what?

  • Making payments. Register your online account with American Express to pay your balance online.
  • Setting up automatic payments. Never miss another payment again by enrolling in autopay.
  • Avoiding interest payments. At the close of each billing cycle, you have a grace period of 25 days to pay your balance. If you do, you won’t pay interest on your purchases.
  • Avoiding fees. Late and returned payments come with hefty fees of up to $38. Balance transfers and cash advances also come with fees.
  • Customer service. According to J.D. Power, cardholders give American Express high marks in customer service. Call

Adrienne Fuller

Adrienne Fuller leads the publishing team at finder.com. She has one goal: to deliver the accurate and transparent information she wishes she had when she made some of life's important financial decisions. When she's not helping folks save money, she's hiking with her two Catahoulas around her home in San Diego.

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