The Plum Card from American Express vs U.S. Bank Triple Cash Rewards: which one fits your business?
Side-by-side comparison of The Plum Card from American Express and U.S. Bank Triple Cash Rewards — fees, features, ease, support, and which one fits your business. Scored on the same rubric.
Short answer: U.S. Bank Triple Cash Rewards wins on our scorecard (7.8/10 vs 7.3/10).
| Scored on | The Plum Card from American Express | U.S. Bank Triple Cash Rewards |
|---|---|---|
| Right fit for small biz | 8 | 8 |
| Ease of use | 7 | 7 |
| Fees & pricing | 7 | 9 |
| Customer support | 6 | 6 |
| Features | 8 | 8 |
| Annual Fee | $250 (waived first year) | $0 |
| Early Pay Discount | 1.5% | — |
| Foreign Transaction Fee | $0 | 3% |
| Late Fee | Up to 2.99% of past due amount | — |
| Intro APR | — | 0% for 12 months |
| Software Credit | — | $100 annually |
The Plum Card from American Express in one paragraph
The Plum Card is a powerful liquidity tool for inventory-heavy businesses that value payment flexibility over travel perks.
Skip it if: Skip it if you spend less than $14,000 a month or want to earn travel points for your business spending.
U.S. Bank Triple Cash Rewards in one paragraph
The U.S. Bank Triple Cash Rewards is the best no-fee option for service-based businesses that spend heavily on fuel and office supplies.
Skip it if: Skip it if you do most of your business spending at wholesale clubs like Costco or if you need to carry a balance long-term beyond the intro period.
Frequently asked questions
Which is better, The Plum Card from American Express or U.S. Bank Triple Cash Rewards?
On our five-axis scorecard, U.S. Bank Triple Cash Rewards scores higher (7.8/10 vs 7.3/10). The U.S. Bank Triple Cash Rewards is the best no-fee option for service-based businesses that spend heavily on fuel and office supplies.
Who should skip The Plum Card from American Express?
Skip it if you spend less than $14,000 a month or want to earn travel points for your business spending.
Who should skip U.S. Bank Triple Cash Rewards?
Skip it if you do most of your business spending at wholesale clubs like Costco or if you need to carry a balance long-term beyond the intro period.