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 (7.3/10 vs 7.1/10).
| Scored on | The Plum Card from American Express | U.S. Bank Triple Cash Rewards |
|---|---|---|
| Right fit for small biz | 7 | 8 |
| Ease of use | 8 | 6 |
| Fees & pricing | 6 | 9 |
| Customer support | 6 | 6 |
| Features | 8 | 7 |
| Annual Fee | $250 | $0 |
| Early Pay Discount | 1.5% | — |
| Late Fee | $39 or 2.99% | — |
| Foreign Transaction Fee | $0 | 3% |
| Introductory APR | — | 0% for 12 months |
| Late Payment Fee | — | Up to $40 |
The Plum Card from American Express in one paragraph
A specialized cash-flow tool that excels for inventory-heavy businesses but loses to cheaper 2% cards for everyone else.
Skip it if: You have steady cash flow and can always pay your balance in full within 30 days.
U.S. Bank Triple Cash Rewards in one paragraph
A powerhouse for fuel-heavy businesses that want simple cash back without the burden of an annual fee.
Skip it if: You frequently buy supplies from overseas or need a high credit limit without a personal guarantee.
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 (7.3/10 vs 7.1/10). A powerhouse for fuel-heavy businesses that want simple cash back without the burden of an annual fee.
Who should skip The Plum Card from American Express?
You have steady cash flow and can always pay your balance in full within 30 days.
Who should skip U.S. Bank Triple Cash Rewards?
You frequently buy supplies from overseas or need a high credit limit without a personal guarantee.