The Plenti® Credit Card from Amex

Robin Saks Frankel  in  0% APR Advertising Disclosure
Annual Fee:
No Annual Fee.
Purchase Intro APR:
Regular APR:
0.0% introductory APR for the first 12 months. After that, your APR on purchases will be 15.99% to 25.99%,based on your creditworthiness and other factors as determined at the time of account opening. This APR will vary with the market based on the Prime Rate.
Terms and Restrictions Apply | Rates and Fees

Commonly used for: 0% APR, Excellent Credit, No Annual Fee.

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Editor’s note: This offer may no longer be available.

American Express has a side hustle. In addition to Membership Rewards points, the issuer also has the Plenti program, which allows users to accrue points from participating vendors. The Plenti Credit Card from Amex can help to accelerate earning Plenti points.


American Express wants your allegiance, so much so that it created a loyalty program and the Plenti Credit Card from Amex to pair with it.

Launched in 2015, the Plenti program is a cross-brand platform that lets you earn points at one retailer in the Plenti network and use them at another participating retailer. Participating companies include Macy’s, ExxonMobil, AT&T Mobility and Winn-Dixie supermarkets. If you do a lot of your spending at one or more of the partners, you could earn a nice stash of rewards, which you can then redeem for discounts and savings.

The Plenti Credit Card from Amex earns 3 points per $1 at U.S. supermarkets, up to $6,000 a year, 2 points per $1 at U.S. restaurants, and 1 point per $1 on all other eligible purchases.

Using this card can boost your Plenti stash accrual much faster than just being a Plenti member. For example, using another card at Winn-Dixie will earn you 1 Plenti point for every $2 spent there: if you spend $100 at Winn-Dixie, you’ll earn 50 Plenti points.

Use the Plenti Credit Card from Amex at Winn-Dixie for that $100 purchase, and you’ll earn 300 Plenti points. One hundred Plenti points is worth $1 in savings.

The card also comes with an easy sign-up bonus of 5,000 points, worth $50, if you spend $250 within the first 3 months of opening the account, and an introductory 12-month 0 percent APR offer on purchases.

Are there better rewards programs? Yes, but this one extends across a wide enough range of retailers that you can likely earn points without going out of your way. The biggest downside of Plenti is it requires you to keep track of which merchants participate and how many points you’re accruing. You may just want to get gas or shop at the most convenient location without having to search for the closest Plenti partner.

The rewards rate on this card is exactly the same as the American Express Blue Cash Everyday Credit Card, except that card pays cash back rewards and the Plenti pays Plenti points, which can in turn be used for discounts. If you’re trying to choose between the two, the Blue Cash Everyday Credit Card is the clear winner just for ease of use.

Who should get this card

Anyone who shops regularly at Plenti partners and is active in the Plenti loyalty program.

  • A top-notch rewards rate on supermarket spending.
  • Use of this card within the Plenti network can amp up your savings.
  • There's a limited number of participating vendors.
  • You can only redeem points with Plenti partners.
  • Unused points expire after two years.
  • You may get better value from different types of rewards cards.

Fees and APR

  • There’s an introductory 12-month 0 percent APR on purchases. After that, a variable APR of 15.99 percent to 25.99 percent will apply.
  • There’s no annual fee.
  • This card has a 2.7 percent foreign transaction fee.
  • If you miss or make a late payment a penalty APR of 29.9 percent will apply for at least six months, plus you’ll be subject to a late fee of up to $38.
  • See Rates & Fees.

Extras, perks and using points

The card also includes American Express’ travel protections like roadside assistance, auto insurance and global emergency help.

This card also offers American Express presale access for select events.

To redeem your points, a minimum of 200 points is required. You can either present your Plenti card at checkout at a participating Plenti retailer or enter your number at an online retailer for online purchases.