Is the Plenti Credit Card from American Express worth it?

Review: Plenti® Credit Card from American Express

We know that everyone's situation is unique and we aim to help you find the right product for you. We may receive compensation when you visit our partners' sites or are approved for their products. You can read more about how we maintain editorial independence and how we make money here.

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

Compare similar credit cards and find the best option for you.

Compare top rewards credit cards

Updated July 23rd, 2018
Name Product Welcome Bonus Reward Value per Dollar APR (Annual Percentage Rate) for Purchases Annual Fee
Earn 60,000 miles after spending $5,000 in the first 90 days
2 miles
17.74%, 21.74% or 24.74% variable
$89
Enjoy 60,000 bonus miles after you spend 5,000 on purchases in the first 90 days - that's enough to redeem for a $600 travel statement credit toward a qualifying travel purchase
1 points
16.74% variable
$195
Enjoy unique excursions, privileged access to exclusive events and insider opportunities.
1 points
12% variable
$0
Excellent Credit Required - Applicants that do not have excellent credit will not be approved
2 points
16.74% 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.

Compare up to 4 providers

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% 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 by American Express, 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 by American Express 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 on the American Express 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.

Was this content helpful to you? No  Yes

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms and Conditions and Privacy Policy.
Go to site