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2020 Review: The Plum Card from American Express – Is it worth $250 per year?

Updated Sep 24, 2020 | Published Aug 11, 202015 min read

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The Plum Card® from American Express

Min Credit Level Excellent
Annual Fee $0 introductory annual fee your first year, then $250.
Regular APR
At a glance

The Plum Card from American Express can be a useful tool if you’re looking for some extra time to pay off your bill. You can defer your balance to the following billing cycle if you need to, or earn a discount for paying it early. However, it doesn’t offer any rewards.

Credit Card Insider receives compensation from advertisers whose products may be mentioned on this page. Advertiser relationships do not affect card evaluations. Advertising partners do not edit or endorse our editorial content. Content is accurate to the best of our knowledge when it's published. Learn more in our Editorial Guidelines.

The information related to The Plum Card® from American Express, American Express® Business Gold Card, The Business Platinum Card® from American Express, and Capital One® Spark® Cash for Business have been collected by Credit Card Insider and have not been reviewed or provided by the issuer or provider of these products.

Our Rating: 4 Out of 5 Stars

We give The Plum Card® from American Express 4 out of 5 Stars because it gives you about twice as long to pay your bill as other cards, which could be quite useful for some small businesses. But there’s not much to it other than payment flexibility.

Why We Like It

  • A 1.5% early pay discount when you pay your bill within 10 days
  • An option to take up to 60 days to pay your bill, if necessary
  • You can defer paying part of your balance to the next billing cycle, with some limitations
  • Your spending limit will adjust over time, based on your card activity and credit
  • You can choose when you want to get your bill
  • You’ll be able to get plenty of employee cards
  • There are no foreign transaction fees
  • Your positive card activity will be reported to a business credit bureau

Why It Could Be Better

  • The annual fee might seem a bit high: $0 introductory annual fee your first year, then $250.
  • That 1.5% discount isn’t very much, and you won’t even get that unless you pay your bill early
  • There aren’t very many interesting or valuable benefits

The Plum Card® from American Express

Our rating
Min. credit levelExcellent
Details
(Rates & Fees)
Annual Fee$0 introductory annual fee your first year, then $250.
Regular APR
Apply Now

securely on the issuer's website

  • Paying early pays off: get a 1.5% Early Pay Discount, with no cap on what you can earn back.
  • Take up to 60 days to pay with no interest, when you pay your minimum due by the Payment Due Date.
  • Use the power of the Plum Card to buy big for your business.
  • No Foreign Transaction Fees.
  • Introductory annual fee of $0 for the first year, then $250
  • Terms & Restrictions Apply.

American Express is a Credit Card Insider advertiser.

The information related to The Plum Card® from American Express has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.

The Plum Card is designed for small business owners who aren’t quite sure when they’ll be able to pay the bill.

It gives you up to 60 days to pay your monthly bill, rather than the 30 days or so that most credit cards give. And there are some other terms that make it easier to manage your monthly payments. This gives you more flexibility than most cards, just in case those funds don’t come in when you were expecting.

If you’re able to pay early, within 10 days of getting your bill, you’ll get a 1.5% discount on what you pay. But you won’t earn any other rewards with this card.

This is a charge card, meaning you usually need to pay your bill in full each month. However, there are features that can give you some extra time to pay. The Plum is also a business card, so there are a few important differences between it and regular consumer cards.

This card has a $0 introductory annual fee your first year, then $250.. It’s not the most rewarding offer for that fee, but if you need a card that gives you more time and options for paying down your balance this one might work for you.

Insider Advice: Getting the Most Out of Your Card

  • Got the time?: You may want to choose this card if your business has a long accounts receivable timeframe, since you’ll have 60 days to pay your bill after the statement period closes.
  • Pay your bill as soon as possible: Aim to pay off as much of your balance as possible within the first 10 days to get the 1.5% discount, but if you do that regularly another card could earn you more in rewards.
  • Utilize deferred payments: If you can’t pay your whole bill, you can defer part of it to the next billing cycle. You’ll need to pay 10% of what you owe, plus any amount that was previously deferred.
  • Take advantage of the extra time: You can get up to 4 months to finish paying off expenses in some cases, when you count the 60-day limit to pay your bill, along with the ability to defer part of your balance.
  • Pick when you want to pay your bill: The beginning, middle, or end of the month.
  • Keep an eye out for discounts: Be sure to check Amex Offers regularly to see whether any of the substantial discounts could fit your business spending.
  • Have an easier time come tax season: If you use QuickBooks, transfer your spending data from American Express to make tax time easier.
  • Build your business credit: If you want to build credit for your business, separate from your personal credit history, this card may be a good choice. Although some other cards report to more business credit bureaus.

The Rewards

There are no rewards to earn with this card, like points or cash back. However, you can get a 1.5% discount on your purchases by paying them off early.

This might not seem like a very good deal, considering the high annual fee of this card. Check out some alternatives to the Plum card below, which are more rewarding and in some cases have lower fees.

Early Pay Discount

You’ll get a 1.5% discount on any portion of your statement balance that you pay within 10 days of the statement closing date. You must pay at least the minimum payment required by the due date to get this discount. The discount will appear as a statement credit on the next billing statement.

The Benefits

The most useful and unique benefits offered here provide extra time to pay if you should need it, a discount if you pay early (mentioned above), and a few shopping and travel protections. The rest are pretty typical when it comes to business credit cards.

  • Pay later: The Plum card gives you 60 days to pay off your balance after your statement closes. Most credit cards only give around 30 days at the most. So if you’re not sure when exactly your customers will pay you during the month, this card gives you some extra time to figure it out.
  • Extra days to pay: You can defer paying part of your balance to the next billing cycle. To do so, you must pay at least the minimum payment due, by the due date. That minimum payment is composed of 10% of the balance from your current billing cycle and any amount that was previously deferred from the last billing cycle.
  • Pick your due date: Although some consumer credit cards allow you to pick your due date, this feature is less common among business credit cards. The Plum card lets you choose from the beginning, middle, or end of the month.
  • No preset spending limit: This card has no preset spending limit, which does not mean you can spend an unlimited amount. Instead, this means that your purchasing power will adjust over time. It will change based on your card activity, payment history, credit record, and other financial resources.
  • Employee cards: You can get up to 99 employee cards, and they will all be free. Individual spending limits can be set for the cards. Take note that there are certain purchases where the spending limit won’t apply, like restaurant tips and extended hotel stays.
  • Account manager: Designate a trusted Account Manager to manage your account. Must be at least 18 years old.
  • American express business app: A tool to help manage your spending throughout the year. Allows you to add receipts and notes to transactions, making tax time easier.
  • Connect to QuickBooks: Provides an easy way to label and transfer your transaction data into a QuickBooks account.
  • Amex Offers: You’ll have access to special earning opportunities at a wide variety of merchants.
  • Tier One Program: Some businesses will be eligible for the Tier One Program from American Express. This comes with benefits that are “designed to streamline and enhance the business’s experience with American Express.”
  • Entertainment Access: This benefit, also called Membership Experiences, provides pre-sale tickets to a variety of sports, music, and cultural events, as well as access to certain exclusive experiences. You’ll be able to search by interest, artist, event, or venue.
  • Lowest Hotel Rates Guaranteed: If you book an eligible prepaid hotel room through Amex Travel and then find the same room being advertised online for a lower price, you can be refunded for the difference.
  • Purchase Protection: Your new eligible purchases are covered from damage and theft for 90 days.
  • Extended Warranty: You can add an additional year to a manufacturer’s warranty, if it’s five years or less.
  • Return Protection: Need a refund? American Express might refund you the whole price, up to $300 per claim and $1,000 in a calendar year.
  • Car Rental Loss and Damage Insurance: Your rental cars are covered against theft and damage, as long as you decline the renters insurance and charge the full amount to your card.

The Terms & Fees

Purchase APR Balance Transfer APR Cash Advance APR
None None None
Annual Fee Foreign Transaction Fee Balance Transfer Fee Cash Advance Fee
$0 introductory annual fee your first year, then $250. None None None
Penalty APR Late Fee Returned Payment Fee
None 1.5% then 2.99% of the past due amount (minimum: $39). $39

Your annual fee is waived the first year, but after that it’s a bit steep. This is a charge card, so you can’t revolve a balance from month to month at an interest rate. But it has some extra options and features that charge cards don’t usually have.

You’ll usually need to pay your bill in full by the due date. With the Plum card, that due date will be 60 days after the statement closing date. This is a nice feature because it’s about twice as long as other cards.

There’s also a way to defer part of your balance to the next billing cycle. To defer part of your balance, you have to pay:

  • 10% of the balance from your current billing cycle
  • Any amount that was previously deferred from the last billing cycle

The remaining balance will be carried over to the next billing cycle, but you won’t need to pay interest on it. It just gives you some extra time to pay.

With the 60-day due date and the ability to defer some of your balance, that means in some cases you can take up to 4 months to pay off some expenses. If you make a purchase at the beginning of a statement period, your bill won’t come for about 90 days (the length of the statement period, which is about a month, plus 60 days).

You could defer part of that balance to the next billing cycle, and you’ll get the bill for that about 30 days later. Then you’ll need to pay off that deferred balance in full, at around 120 days after making the purchase. This is how you can get about 4 months to finish paying off a purchase, give or take a few days.

You’ll also be able to pick your due date with this card to suit your business’s needs. You can pick from the beginning, middle, or end of the month.

Remember, any amount you pay within 10 days of the statement closing date will get a 1.5% discount.

The Plum card is more flexible than most charge cards, and doesn’t require you to always pay it off in full by the due date. But you can’t defer forever, and you’ll need to pay that balance eventually.

The Bottom Line

The Plum Card® from American Express is a different kind of card, giving small business owners a lot of flexibility when it comes to paying it off. If you’re not sure when you’ll have the money to pay your bill, this card provides some wiggle room.

This flexibility is the main benefit you’ll get. You’ll have 60 days to pay, and the option to defer part of your balance to the next billing cycle. This is pretty lenient compared to other business charge cards, which require you to pay the balance in full about 30 days after the statement closes.

If you can pay any portion of your statement balance early you’ll get a 1.5% discount on that amount. This card isn’t really designed around earning rewards, and this will probably be more of a nice bonus for most businesses.

The Plum card doesn’t have much in the way of valuable perks, especially given the $0 introductory annual fee your first year, then $250. annual fee.

This card won’t provide a lot of cash back or points, but if you want a card to help manage your cash flow this could be it. The extended due date and deferred balance option could help out if revenue comes in late, potentially giving you up to 4 months to finish paying off expenses.

Some other business cards offer points or cash back, along with valuable benefits, but they won’t have the same flexible payment options. Check out some of those alternatives below.

How Do I Apply for the Amex Plum Card?

You can apply now for the American Express Plum Card securely by following the link below. You’ll have to be an authorized officer for your business, responsible for managing finances.

You’ll need your personal and business information. For corporations and partnerships, you’ll also need to provide your Federal Tax ID (the same as your Employer Identification Number, or EIN).

American Express will check your credit reports with the three major credit bureaus when you apply.

What Credit Scores Do I Need to Qualify for the Plum Card?

It’s suggested you have excellent credit in order to be approved for the Plum Card from American Express.

That means your credit scores would need to fall within the ranges of 800–850 for FICO and 750–850 for VantageScore.

However, you still have a shot even if your scores aren’t within those ranges. Credit card issuers look at more than just credit scores to measure your creditworthiness, meaning you still might be approved even if you have lower scores. But that means even if your scores are high, you may not be approved.

Qualifications and Requirements

  • Must be 18 to apply
  • Business identifying information: Business name, company DBA name (if applicable), business name on card, industry type, company structure, years in business, number of employees
  • Business address and contact information: Business address, business phone number
  • Business financial information: Annual business revenue, estimated monthly costs, federal tax I.D
  • Personal identifying information: Name, date of birth, role in company, Social Security number
  • Address and contact information: Email, address, phone number
  • Personal financial information: Total annual income

The Plum Card® from American Express

Our rating
Min. credit levelExcellent
Details
(Rates & Fees)
Annual Fee$0 introductory annual fee your first year, then $250.
Regular APR
Apply Now

securely on the issuer's website

  • Paying early pays off: get a 1.5% Early Pay Discount, with no cap on what you can earn back.
  • Take up to 60 days to pay with no interest, when you pay your minimum due by the Payment Due Date.
  • Use the power of the Plum Card to buy big for your business.
  • No Foreign Transaction Fees.
  • Introductory annual fee of $0 for the first year, then $250
  • Terms & Restrictions Apply.

American Express is a Credit Card Insider advertiser.

The information related to The Plum Card® from American Express has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.

Frequently Asked Questions

How do I earn my 1.5% statement credit discount?

You can obtain the discount by paying at least the minimum due balance within 10 days of the closing statement date. You’ll get 1.5% back on the portion you pay. Check out the other benefits attached to the Plum card.

How does the deferred payment option work?

As long as you make the required minimum payment by the due date, the remainder of your bill will be deferred to the next billing cycle.

The minimum payment due will include any previously deferred balance.

Is the Plum Card from American Express metal?

No, the Plum Card is not a metal card.

Are you looking for a metal card? Here’s a few you might be able to get right now.

Was this helpful?

Alternatives to The Plum Card from American Express

American Express® Business Gold Card

Our rating
Min. credit level Good
Details
(Rates & Fees)
Annual Fee $295
Regular APR 14.24% - 22.24% Variable

Another business card from Amex, the American Express® Business Gold Card (Review) has an annual fee of $295.

Rather than managing your cash flow, the Business Gold card is more focused on earning points. You’ll earn the most points in the two categories that your business spends the most in, out of six options, making it a more flexible rewards program.

If you’re deciding between these two cards, you’ll have to consider whether you want this rewards program or the more flexible payment options you’ll get with the Plum card. The Business Gold can provide quite a lot of points if you use it often. But if you have uncertain finances you may need to go with the Plum to be sure you can pay it off in time.

These cards are pretty similar in the extra benefits they provide, though the Gold card has a bit more to offer.

Spending Rewards
  • 4X Membership Rewards points per dollar in the two categories you spend the most in each month, up to $150,000 per year (then 1X):
    • Airfare purchased directly from airlines
    • U.S. purchases for advertising in select media
    • U.S. computer hardware, software, and cloud computing purchases made directly from select providers
    • U.S. purchases for shipping
    • U.S. purchases at gas stations
    • U.S. purchases at restaurants
  • 1X Membership Rewards point per dollar on all other purchases
Introductory Bonus Offer
  • 35,000 bonus points for spending $5,000 in the first 3 months

You’ll be earning Membership Rewards points, which can be redeemed in many different ways. The normal redemption methods can provide up to 1 cent per point, meaning you’d be getting the equivalent of 4% cash back in the 4X categories.

You can also transfer those points to a travel partner, turning them into frequent flyer miles or hotel points. You can find deals that provide upwards of 2 cents per point, which would give you a cash back equivalent of 8% for the 4X categories.

  • The Hotel Collection: Cardholders can receive a credit for up to $100 per stay to cover eligible expenses at hotels.
  • Lowest Hotel Rates Guarantee: If you book an eligible prepaid hotel room through Amex Travel and then find the same room being advertised online for a lower price, you can be refunded for the difference.
  • Amex Offers: You’ll have access to discounts at a wide variety of merchants, and the selection changes now and then.
  • Tier One Program: Some businesses will be eligible for the Tier One Program from American Express. This comes with benefits that are “designed to streamline and enhance the business’s experience with American Express.”
  • Connect to QuickBooks: Provides an easy way to label and transfer your transaction data into a QuickBooks account.
  • Shopping protections: Extended warranty and purchase protection
  • Travel protections: Travel accident insurance, baggage insurance plan, Global Assist Hotline, rental car insurance, and more
  • Purchase APR: 14.24% - 22.24% Variable
  • No foreign transaction fee
  • Employee cards: You can get up to 99 employee cards; the first employee card costs $50, and after that they’re free.
  • Annual fee: $295

The information related to American Express® Business Gold Card has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.

The Business Platinum Card® from American Express

Our rating
Min. credit level Good
Details
(Rates & Fees)
Annual Fee $595
Regular APR N/A

The Business Platinum Card® from American Express (Review) seems expensive at $595 per year. But the rewards and benefits you’ll get potentially make this a great card for any small business owner who travels frequently.

Included in those benefits is a $200 annual airline fee statement credit, which, if you use completely, will offset the annual fee to $395. Besides that credit, cardholders get the Amex Global Lounge Collection, which is the best airport lounge benefit you’ll find on a credit card. This is because it includes such a wide variety of lounges, like Amex Centurion Lounges, Priority Pass, Airspace Lounges, and more.

There’s also a fee credit for either Global Entry or TSA Pre✓, for expedited passage through airports.

When it comes to where to stay, the Business Platinum provides Gold Status with both Marriott Bonvoy and Hilton Honors. That covers a very wide swath of hotels and resorts in countries all over the world, giving cardholders many nice perks and complimentary services.

The Business Platinum obviously outstrips the Plum card when it comes to rewards and benefits. However, if you don’t travel much or you care more about having a card with a very flexible payment structure, the Plum card is the better option.

Spending Rewards
  • 5X Membership Rewards points per dollar on:
  • 2X Membership Rewards points per dollar on other eligible travel expenses booked through American Express Travel
  • 1.5X Membership Rewards points per dollar on eligible purchases of $5,000 or more, up to 1 million extra points per calendar year
  • 1X Membership Rewards point per dollar on all other purchases
Introductory Bonus Offer
  • 75,000 bonus points for spending $15,000 in the first 3 months

This card also provides a 35% point bonus when you redeem points for eligible flights. That means you can get the equivalent of up to 6.75% cash back, depending on how you earn and redeem your points. You can also transfer those points to a frequent traveler program, where they might be even more valuable.

  • $200 annual airline fee credit: Cardholders can select an airline each year to earn a statement credit of up to $200 for eligible fees. This includes fees for checked bags and in-flight meals charged by the airline. It does not cover flight tickets and bookings, only incidental fees.
  • Amex Global Lounge Collection: Cardholders get complimentary access to over 1,000 airport lounges across 120 countries, including brands like Centurion, Priority Pass, Delta Sky Club, and more.
  • Fee credit for Global Entry or TSA PreCheck: Global Entry ($100) and TSA PreCheck ($85) are programs that provide expedited screening at airports. Amex will refund the application fee for one of these programs.
  • Automatic Marriott Bonvoy Gold Elite status: Cardholders get complimentary Marriott Bonvoy Gold Elite status without needing to meet any stay requirements. You must manually enroll to activate this benefit.
  • Automatic Hilton Honors Gold status: Cardholders can sign up for complimentary Hilton Honors Gold status to get better benefits and services at Hilton properties. Manual enrollment is required.
  • $200 Dell statement credit: Cardholders have the opportunity to earn up to $200 in statement credits annually for U.S. purchases with Dell. Earn $100 between January and June and $100 between July and December. Just remember that you’ll have to enroll in order to enjoy this advantage, and purchases must be made directly from Dell or Dell.com to be eligible.
  • The Hotel Collection: Cardholders can receive a credit for up to $100 per stay to cover eligible expenses at hotels. This can be a nice way to save a bit of money when traveling.
  • Platinum Dining Program: Perfect for a night out on the town, American Express holds a reservation for you at over 1,000 top restaurants. Just call your concierge service and select “Dining” from the menu.
  • Amex Offers: You’ll have access to extra points and discounts at a wide variety of merchants, and the selection changes now and then.
  • Travel protections: Travel accident insurance, baggage insurance plan, trip interruption and trip cancellation insurance, trip delay insurance, rental car insurance
  • Shopping protections: Extended warranty, return protection, and purchase protection
  • No foreign transaction fee
  • Employee cards: You can get up to 99 employee cards, and set individual spending limits. Take note that there are certain purchases where the spending limit won’t apply, like restaurant tips and extended hotel stays. Supplementary Platinum cards will cost $199 annually.
  • Annual fee: $595

The information related to The Business Platinum Card® from American Express has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.

Ink Business Preferred® Credit Card

Our rating
Min. credit level Excellent
Details
Annual Fee $95
Regular APR 15.99%-20.99% Variable

The Ink Business Preferred® Credit Card (Review) is a less expensive option than the other cards here.

Both of these cards give you some flexibility when paying back your expenses. The Chase card will let you revolve a balance indefinitely, month after month, accruing more and more interest as you go. The Plum card gives you some extra time to pay, and the ability to defer some of the payment, but you’ll need to pay off your past charges within a few months.

So you’ll get more leeway with the Chase card, but you’ll end up paying a lot of interest if you’re carrying over a lot of credit card debt. The Plum card gives you quite a while to pay back your expenses, and it also forces you into something like a payment plan to reduce your debt fairly quickly. If you put aside the rewards and just look at the payment terms, the Plum card may have the advantage.

Spending Rewards
  • 5X Ultimate Rewards points per dollar on Lyft rides
  • 3X Ultimate Rewards points per dollar on the first $150,000 spent per year in combined purchases on:
    • Travel
    • Shipping
    • Internet, cable, and phone services
    • Advertising purchases made with social media sites and search engines
  • 1X Ultimate Rewards point per dollar on all other purchases
Introductory Bonus Offer
  • 100,000 bonus points for spending $15,000 in the first 3 months after account opening

Each point is normally worth 1 cent, unless you redeem for travel through Chase Ultimate Rewards to get a 25% bonus. If you do, you’ll be getting the equivalent of 3.75% cash back when you spend in the 3X category.

Or, you can transfer your points to a partner travel program, where you may be able to find a better value for them still.

  • Redemption bonus: Get a 25% point bonus when you redeem for travel through Chase Ultimate Rewards.
  • Point transfer: Transfer points at a 1:1 rate to a variety of airline and hotel loyalty programs, including British Airways, United, Marriott Bonvoy, and Hyatt.
  • Cell Phone Protection: Pay your monthly cell phone bill with your Ink Business Preferred for coverage against theft and damage, up to $600 per claim with a $100 deductible.
  • Travel protections: Trip cancellation/trip interruption insurance, auto rental collision damage waiver, and more
  • Shopping protections: Purchase protection and extended warranty protection
  • Purchase and Balance Transfer APR: 15.99%-20.99% Variable
  • No foreign transaction fee
  • Annual fee: $95

Capital One® Spark® Cash for Business

Our rating
Min. credit level Excellent
Details
Annual Fee $0 intro for first year; $95 after that
Regular APR 18.49% Variable
Apply Now

securely on the issuer's website

The Capital One® Spark® Cash for Business (Review) is a much cheaper option than the Plum card, and it’s more rewarding.

The Spark Cash will provide more cash back rewards for your spending, and you won’t have to pay early to get it. But it’s also not flexible in the same way that the Plum card is.

If you need to wait a while to pay your bill with the Spark Cash, you’ll end up paying interest too. But the Plum card can give you quite a bit of extra time to pay without incurring any interest at all, as long as you follow the card terms. The right card for you may depend on how steady your business’ cash flow is, and when you expect to pay your bills.

Other than that, there are a few nice perks that come with this card, because it’s available at the upgraded World Elite Mastercard level.

Spending Rewards
  • 2% cash back on all purchases
Introductory Bonus Offer
  • $500 cash bonus for spending $4,500 in the first 3 months
  • Quarterly and year-end summaries: You can get custom, itemized reports of your spending to help simplify accounting and taxes. Includes primary and employee cards.
  • Downloadable purchase records: Download your records any time you’d like in a variety of formats, including Quicken, QuickBooks and Excel.
  • Spark Business customer service representatives: Speak with specially trained reps whenever you’d like for help with any questions you have. Call toll-free, 1-800-867-0904.
  • Shopping protections: Purchase Security, Extended Warranty Protection, Price Protection, Cell Phone Protection
  • Travel protections: MasterRental Insurance Coverage, Roadside Dispatch, Lost Luggage Reimbursement, Travel Accident Insurance
  • Purchase and Balance Transfer APR: 18.49% Variable
  • No foreign transaction fee
  • Free employee cards: Get an unlimited number of employee cards to distribute to your employees. You’ll earn cash back every time they use them. And you can set individual credit limits for the cards.
  • Annual fee: $0 intro for first year; $95 after that

The information related to Capital One® Spark® Cash for Business has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.

For rates and fees of The Plum Card® from American Express, please click here.

For rates and fees of The Business Platinum Card® from American Express, please click here.

For rates and fees of the American Express® Business Gold Card, please click here.

Brendan Harkness
Written by

Brendan Harkness

Brendan has been writing about personal finance for over eight years, and is now taking on the challenge of bringing high quality credit education to the masses. He makes sure that Credit Card Insider is covering the most important credit topics transparently and precisely, and that we have up-to-date reviews of credit cards so you can find cards that are right for you.

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