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Plenti Credit Card Review

Written by Mike Pearson
Updated June 8, 2023

The Plenti Credit Card, issued by American Express, is a unique loyalty rewards program that offers cardholders the opportunity to earn points by shopping at participating retailers and businesses. The Plenti Credit Card has gained attention in the market due to its attractive bonus offers and money-saving benefits.

When signing up for the Plenti Credit Card, new cardholders can earn a bonus of 5,000 Plenti points after spending $250 in purchases within the first three months of their card membership. The card comes with no annual fee and is perfect for those with excellent or good credit scores. As part of Plenti’s extensive rewards program, these points can be redeemed for various items and services at a wide range of partner merchants.

In this article, we will dive deeper into the features and benefits of the Plenti Credit Card to help potential users gain a better understanding of the card’s offerings. As we explore the various aspects of the card, it will become clear why many consumers opt for the Plenti Credit Card to maximize their reward-earning potential.

Plenti Credit Card Overview

Card Issuer

The Plenti Credit Card is issued by American Express, a well-established financial institution known for its range of credit card offerings with various rewards and benefits. Plenti Card is focused on providing value to its users through its rewards program.

Target Audience

The Plenti Credit Card is designed for individuals with good to excellent credit scores, ranging from 690 to 850. These cardholders typically have a history of responsible credit usage and timely bill payments. Ideal users of the Plenti Credit Card are those who frequently shop at participating retailers, stores, and businesses, as the card’s reward structure is centered around the Plenti rewards program.

Card Type

The Plenti Credit Card from American Express is a rewards credit card, allowing its users to earn Plenti points as they make purchases at participating locations. With no annual fee, the card is an attractive option for those who seek to maximize their rewards with minimal extra costs.

Key features:

  • Earn 5,000 Plenti points after spending $250 in purchases within the first 3 months of card membership
  • No annual fee
  • Rewards program: Plenti points, which can be earned at hundreds of popular participating retailers, stores, and businesses

Please note that the Plenti program was discontinued in 2018, and the information above might not be relevant anymore.

Key Features and Benefits

Bonus Offer

The Plenti Credit Card from American Express offers a welcome bonus to new cardholders. Earn 5,000 Plenti points after spending $250 in purchases within the first three months of your card membership. This bonus is valued at around $50 and can be redeemed for savings at participating retailers.

Rewards Program

The Plenti rewards program is designed to help cardholders earn Plenti points at various participating partners, including:

  • AT&T
  • Rite Aid
  • Exxon
  • Mobil
  • Macy’s

The Plenti Card offers a rewards rate of 1.00%, which means you can earn 1 Plenti point for every dollar spent on eligible purchases. Plenti points can be transferred to savings on your total balance at the following businesses:

  • AT&T
  • Macy’s
  • Rite Aid
  • Exxon
  • Mobil

Travel Benefits

As an American Express card, the Plenti Card comes with a range of travel benefits to enhance your experiences, including:

  • Car rental loss and damage insurance
  • Roadside assistance hotline
  • Global assist hotline

These benefits can help provide peace of mind and assistance during your trips, whether you’re traveling domestically or internationally.

Protection Benefits

In addition to the rewards program and travel benefits, the Plenti Credit Card also provides cardholders with various protection benefits. These include:

  • Extended warranty: Offers extended warranty coverage on eligible items purchased with your card.
  • Purchase protection: Provides coverage for eligible items in case of theft or accidental damage within a specified period from the date of purchase.
  • Return protection: Offers coverage for eligible items you’ve tried to return but the retailer won’t accept, within a specified timeframe.
  • Entertainment access: Get special access to ticket presales and cardmember-only events.

These protection benefits can help add value and security to your purchases and overall card membership experience.

Rates and Fees

Intro APR

The Plenti Credit Card from American Express offers an introductory 0% APR on purchases for the first 12 months. After this period, the ongoing APR will vary depending on the cardholder’s creditworthiness.

Balance Transfer Fee

There is a balance transfer fee of 3% for the Plenti Credit Card. This is a common fee among many credit cards, and it applies whenever you transfer a balance from one card to this one.

Foreign Transaction Fee

The Plenti credit card does not charge a foreign transaction fee. This means you can use this card abroad without incurring extra fees when converting currency for your transactions.

Penalty APR

If a cardholder becomes delinquent in their payments, a penalty APR of 29.99% (variable) may be applied to their account. This high rate acts as an incentive for cardholders to make their payments on time.

Cash Advance APR

Taking a cash advance with the Plenti credit card comes with a 25.99% (variable) APR. It’s important to consider this rate and any associated fees when deciding to take a cash advance, as it can make borrowing money more expensive.

Redeeming Plenti Points

Redemption Options

Redeeming Plenti Points is easy and provides various options for customers to choose from. Every 100 Plenti Points is worth $1, meaning you can redeem your points to save on purchases made at participating retailers.

Participating Retailers

There are a number of popular participating retailers, stores, and businesses that accept Plenti points. Some examples include AT&T, Macy’s, Rite Aid, Exxon, and Mobil branded service stations.

Online Marketplace

Aside from physical stores, Plenti also offers an online marketplace where you can redeem your points on a wide range of products and services. This allows you to conveniently shop and save at the same time.

Credit Score and Customer Service

Credit Score Requirements

The Plenti® Credit Card from Amex is designed for consumers with good to excellent credit. The recommended credit score range for this card is 690 to 850. It is essential to know your credit standing before applying for any credit card, as it ultimately affects your chances of approval and the types of offers available to you.

Customer Support

American Express is known for its high-quality customer service, and the Plenti® Credit Card is no exception. Cardholders can expect comprehensive support through a variety of channels:

  • Phone support: American Express provides 24/7 customer service through their dedicated call center. You can reach a representative easily for assistance with your Plenti® Credit Card.
  • Online chat: You can access real-time chat support on the American Express website for quick and efficient help.
  • Email support: For non-urgent inquiries, you can always send an email and receive a response in a timely manner.
  • Social media: American Express is also active on social media platforms like Facebook and Twitter, allowing cardholders to reach out for assistance through these channels as well.

In summary, the Plenti® Credit Card from Amex is designed for individuals with good to excellent credit scores and offers top-notch customer service through various channels.

Comparing Plenti Credit Card to Alternatives

Plenti Credit Card vs. Other Amex Cards

The Plenti Credit Card from American Express offers its users rewards in the form of Plenti points. This card provides 3 Plenti points at supermarkets (on the first $6,000 a year), 2 points per $1 at restaurants, and 1 Plenti point per $1 on all other spending. Additionally, the card comes with a 5,000 Plenti point bonus after spending $250 during the first three months of card membership1.

In comparison, other popular American Express cards, such as the Blue Cash Preferred® Card, offer:

  • 6% cash back at U.S. supermarkets (up to $6,000 per year, then 1%)
  • 3% cash back at U.S. gas stations and transit
  • 1% cash back on all other purchases
  • An introductory bonus of $300 statement credit after spending $3,000 in the first six months2

Another alternative within the Amex lineup is the Amex EveryDay® Credit Card, which has:

  • 2x points at U.S. supermarkets (on the first $6,000 a year)
  • 1x points on all other purchases
  • A welcome bonus of 10,000 Membership Rewards® points after spending $1,000 within the first three months3

Plenti Credit Card vs. Other Rewards Cards

When compared to other rewards cards, the Plenti Credit Card seems to fall behind in terms of rewards value and bonus offers. For example, the Chase Freedom Unlimited® Card offers:

  • 5% cash back on travel purchased through Chase Ultimate Rewards®
  • 3% cash back on dining and drugstore purchases
  • 1.5% cash back on all other purchases
  • A welcome bonus of $200 after spending $500 within the first three months4

Another alternative is the Capital One Quicksilver Cash Rewards Credit Card, which features:

  • 1.5% cash back on all purchases
  • A welcome bonus of $200 after spending $500 within the first three months5

While the Plenti Credit Card from Amex may be suitable for some, it’s essential to consider the rewards, bonus offers, and additional benefits when comparing it to alternative cards available on the market.

Frequently Asked Questions

How does the Plenti card work?

The Plenti card is a credit card offered by American Express, which is part of the Plenti rewards program. This card enables you to earn Plenti points on your eligible purchases and redeem them for savings at participating Plenti partners, including retailers and service providers.

What are the benefits?

With the Plenti card, you can earn a signup bonus of 5,000 Plenti Points after spending $250 within the first three months of account opening. Each 100 Plenti Points is worth $1, and you can redeem your bonus points to save up to $50 on purchases made at Macy’s, Rite Aid, and participating Exxon locations.

Which stores accept it?

The Plenti card is accepted at participating Plenti partner locations, such as Macy’s, Rite Aid, Exxon, and Mobil. Keep in mind that partner locations may change over time, so it’s helpful to regularly check the Plenti website for the most up-to-date list of participating retailers.

How to earn points?

You can earn Plenti points by using your Plenti card for eligible purchases at participating partner locations. Typically, you’ll earn points at a rate of one point per dollar spent, but promotions and special offers may provide additional opportunities to earn bonus points. Keep an eye on the Plenti website and your email for such offers.

How to redeem points?

To redeem your accumulated Plenti points, you can use them at the checkout of participating partner locations. Simply present your Plenti card or provide the phone number associated with your account, and let the cashier know that you’d like to use your points for savings on your purchase. Remember that 100 points equal $1 in savings.

Any fees associated?

Before applying for the Plenti card, be aware that it comes with certain fees. There are no annual fees for this card, but other fees may apply, such as late payment fees, foreign transaction fees, or balance transfer fees. It’s important to read the terms and conditions of the card to fully understand the associated fees and potential costs.


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Mike Pearson

Mike is a recognized credit expert and founder of Credit Takeoff. His credit advice has been featured in Investopedia,, Bankrate, Huffpost, The Simple Dollar, Reader's Digest, LendingTree, and Quickbooks. Read more.