bayliner is the world 's largest manufacturer of recreational boats .

established in 1957 by orin edson , bayliner currently has over 400 dealers in over 60 countries around the world .

the company operates as part of the brunswick boat group , a division of the brunswick corporation .

bayliner was acquired by brunswick from orin edson in 1986 for $ 425 million .

bayliner facilities are located in knoxville , tennessee , dandridge , tennessee and arlington , washington , in the united states ; and in reynosa , tamaulipas , in mexico .

bayliner also has a plant in portugal for the european market and in brasil for the south american market .

bayliner offers 25 different boat models , with the most popular being the 175 bowrider , a favorite among first-time boat buyers .

bayliner

thank you for building your bayliner ! the dealer ( s ) below will be forwarded this information and could be contacting you shortly .
i think that doug peterson designed many of the us yacht hulls . i am not sure that bayliner built the original molds or they purchased them from another mfg . there is some indication that pearson purchased some of the molds after bayliner decided to discontinue building these boats . check the prices on buc and nada for some comparable prices .
i ' ve had a request to review this sloop for a friend interested in buying it . i ' m unfamiliar with bayliner sailboats . any sailors recommend these boats ?
i have the option to pick up a us yacht 25 built by bayliner in 1982 . it looks like a pretty cool little sloop . anyone know anything about them ?
bayliner’s new vr series bowriders take usable space , performance and style to the next level . learn more about next generation design and the evolution of the ever - popular bowrider .
of a bayliner sailboat my father has a bayliner yatch which is a wonderful vessel so i could assume it would be a quality boat . but since they dont make them anymore and you dont see them this would lead me to belive that its for a reason . do your research and have it hauled out first for a survey ! good luck jeff russell h23
selling a variety of bowriders , deck boats and cruisers , bayliner marine corporation offers a full line - up of pleasure crafts in various fiberglass hull configurations . bayliner boat’s history derived from a single boat dealer in washington state before flourishing to several factories through the 1970s . today , the company has accepted several high - profile honors of recognition for their products and technology .
bayliner’s patent - pending m - hull™ is the foundation of our evolutionary element family of deck boats and center consoles . learn more about this unique design and what it can add to your boating enjoyment .
i had a bayliner bucaneer several years ago . it was about 18 ' did all right by me . had a swing keel and very small encosed bow . sloop rigged . it was pretty quick , got up on a plane .
get the basic dimensions of the boat and look up sailing performance here : urltoken the boats are listed as
us
or
us bayliner
i would think the most important consideration in a boat this old is what condition is it in .
you all are associating the name bayliner with the early to mid eighty ' s powerboats . bayliner cut a lot of corners in this generation of boats by trying to be everything to everybody . the got into a lot of trouble financially and nearly went out of business . the early bayliners , including the sailboats are excellent examples of coastal capable vessells . a well maintained bayliner buccaneer should not be excluded from the list of quality boats . look at the boat , determine if it will fit your bill , and consider it as a viable option . i would put one up against a same vintage macgregor or the like any day . but , a 30 year old boat should obviously be viewed with eyes wide open . just my two cents . . . ross in tampa 1979 oday 25
lola
the information contained within this website is believed to be correct and current . prices , options and features are subject to change without notice . model year boats may not contain all the features or meet specifications described herein . confirm availability of all accessories and equipment with an authorized bayliner dealer prior to purchase .
25 ' us yachts / bayliner . build in 1981 . 9 . 8hp nissan two stroke outboard , fiberglas hull , cruiser , fin keel , masthead sloop , draft 4 . 6 ' displacement 3750lb . ballast 1250lb . sleep 5 max on board 8 persons , comes with 5 ' hard shell dinghy , on the water in bellingham wa
if you are not familiar with us yachts , they were around in the early 1980’s to almost 1990 out of seattle , washington . they bought pearson hull molds for 25 , 27 , and 30 foot sailboats , so in essence the hulls are pearson and very thick compared to todays boats . bayliner bought them out and continued the line and supplied the decks for us yachts even before the purchase . i believe bayliner changed the name to the buccaneer line of sailboats . several buccaneer clubs can be found on the internet . they shipped with few options except for engine size , a single cylinder 8 hp volvo - penta diesel and a 2 cylinder 16 hp engine of the same manufacturer .
the bayliner 29 & 33 hulls were coming out of the ex - chaser yachts molds . really not very well done and hideous decks of their own “design . ” strangely , they used some really racy ( for the time ) , small sectioned proctor rigs . dp got stiffed more than once on design royalties and people pulling molds off existing hulls .
founded by j . orin edson who had been a dealer for small powerboats and motors since 1955 . at some point he purchased the bayliner name and began building sailing craft around 1970 . it is said that bayliner , which historically , had been a manufacturer of power boats , got in to the sailboat business in response the fuel crisis of the early 1970 ' s . of course , the higher fuel prices didn ' t make them less expensive to build . whatever the reasoning , they were called buccaneers and they built a lot of them before they sold off the entire devision in 1979 ? and went back to building powerboats only . many models were based on ' splashed ' copies of boats from other builders ( most notably the columbia 23t and columbia 26t ) with changes that emphasized interior amenities with sailing performance as a secondary consideration . and yet some might say , they have their own unique aesthetic . these boats ranged from the 17 ' buccaneer 180 up to 27 ' . others included the doug peterson designed buccaneer 335 at 33 ' . these were also built from tooling purchased from other companies . many of the same models ( with minor differences were built by us yachts which was a division owned by bayliner . us yachts , ( not the same company that was associated with grampian yachts ) also built some larger boats ( the largest was the us 42 ) that did not appear in the bayliner line . rb 2009
first - time and experienced boaters alike have enjoyed bayliner bowriders for decades . that’s because boaters worldwide appreciate the versatility , open layouts , storage capacity , value and performance these boats have to offer . whether you’re into water sports , fishing , coving , or cruising , our lineup from 16 to 22 foot models—in both sterndrive or outboard power options—have what you need .
compare our deck boat line up to the competition and find out why bayliner deck boats have the capacity to do just about anything . thanks to our superior use of space and storage , plus our smooth - running hull designs , these deck boats have maximized capacity in every sense of the word . from coving to cruising , fishing , water sports and more , these versatile craft are in a class by themselves .
depends . if it ' s the deep keel version and you equip it with good hardware - all the stuff that bayliner didn ' t include and most of the susequent owners never suspected existed ( like a vang and a backstay adjuster . . . ) prep it well and put on good sails , it ' s a perfectly nice cheap phrf weekend warrior / family cruiser . sails pretty well .
allegedly
based a gary mull hull and foils . ( not like those ' bathtub full of windows ' models they are known for . )
i knew someone that had one several years back . he didnt know anything at all about sailing and bought the ( used ) bayliner because it had an attractive price . very uncomfortable feeling on it . it always felt like it was going to roll over . it never did , but felt that way . was also very slow . like sweettrade said
since they dont make them anymore and you dont see them this would lead me to belive that its for a reason .
stick to the major manufacturers and you will be much better off .
bayliner built them in ' 82 , then pearson built them in ' 85 . pearsons build quality was better , but this is also the
dark years
of production boat building and lots of
experiments
where conducted in regard to cost reductions and material choices . blisters on moored version can be an issue as can a host of other , often just age related things , need to be looked at . there are some things you just have to exspect from 1 / 3 a century old production boats , particularly those that were at the low end of the quality scale , like this one .
a bucaneer 272 ( made by bayliner ) was my first keelboat . i had a great learning experience with the boat and owned it for 8 years and had lots of great times on it . no thru hulls whatsoever to sink the boat . i installed a head on it and used a water bladder to fill the toilet . did alot of work on it and sailed it like there was no tomorrow . bought a hunter 34 and sold the boat for 1200 more than i paid for it . i can not bash one of those old sinkin lincolns at all . it was a great first boat , and was not a balsa core hull . solid fiberglass . tim welsh
i ' ve got the chance to buy a little us yachts ( bayliner ? ) 21 . i know the owner quite well and have even sailed on the boat several times . with a v berth and smallish cabin , she scoots right along . after google research , she doesn ' t seem to have been made for very long , if only one year - 1982 . her target market seems to be for the casual racer who wants to sleep below . i think she is faster than a buccaneer of same length or a u20 . i know the boat is immaculate , i can see my reflection in the gelcoat . i ' m not too savvy on other aspects of her , but all the parts are there , trailer included , and even some extras . the owner takes care of things ! he ' s a good friend so i can verify this ( i hope he doesn ' t check this forum out . . . might be a little strange ) . i ' ve got a laser and an hobie 16 w / traps . i ' ve been fantasizing about a build , but all advice says
i co - owned a us 27 with my brother for quite a few years . generally they are a good boat . the windows tend to leak , but are easily sealed . we found the construction to be better than anticipated . as to sailing ability . the boat sails beautifully . we had her on lake erie for over 3 years and sailed in some very rough conditions . we had no trouble when other boats were being damaged due to the conditions . the boat points higher than most and sails with a very light helm . the bad rep bayliner had due to the buccaneer line unfortunately followed undeservingly to the us yacht line . in my opinion they are much better built than the hunters of the time , equal to the catalinas . if you can get one for a descent price get one . one thing , the cockpit is a little small , but because of this they have the best interior rivaling most boats up to 32 ' ' long . by the way i currently sail a us 21 . pearson did build exactly the same boat for 1 year , identical down the fabric used in the iterior . here is a url for the pearson version . urltoken
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we are thinking of buying a 1982 us yachts - 27 footer as our first sailboat . i have done a lot of
looking
on the internet for information , but have not been able to find information on that particular year . i know the buccaneer series were built in the 1970 ' ' s , but when i read descriptions about them , they do not match up to the boat we are looking at . does anyone have any information on us yachts - 1982 ? the asking price is $ 9 , 900 and the boat looks to be in great shape ( so far ! ) thanks for any info !
i am no expert on the subject , but i was looking at a us yacht boat once . the guy told me that pearson bought out the remaining us yacht hulls when the company went under in the early eighties . hope that helps .
i owned and sailed a us27 for 10 years on the chesapeake . if you want to email me for more info feel free donsadler17 @ cs . com . 7 . 5 volvo penta has sail drive performed well , parts should still be available . i didnt care for the water pump impeller being in the lower unit . i changed the impeller every second year , just to be sure . would have to pull boat if the waterpump went out during season .
i have a us27 , love the boat , currently upgrading the interior , put in new stove and replaced all the cabin lights with upgraded fixtures . the us27 is my 4th boat and i really like it , lots of room for a 27 , lots of old school wood in the cabin . with a hand laid hull it is pretty strong , but like all us yachts i have been challenged with window leaks . the aux power is a 8hp honda outboard . by all respects it is a fun boat to sail and given proper care it should last a good long time . as i recall the us27 was only in production for about 3 years . gk
gkesti - are you aware that you ' re replying to a thread that was dead and hasn ' t seen any activity in over five years . please don ' t un - earth dead threads .
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you know what the first rule of sailing is ? . . . love . you can learn all the math in the ' verse , but you take a boat to the sea you don ' t love , she ' ll shake you off just as sure as the turning of the worlds . love keeps her going when she oughta fall down , tells you she ' s hurting ' fore she keens . makes her a home .
if you ' re new to the sailnet forums . . . please read this
anyone have an opinion about the us yacht 27 footers . . . . i ' m looking at one also . . .
i have owned a us yacht 33 for the lats 4 years and love it . i was looking for a catalina 30 when i came across my 33 . very roomy interior and sails great and is much better equipped than the catalina 30s i saw . i am currently looking for a mast and boom for my 33 . does anyone know where i might find these ?
new poster on an old dead thread . . . likely frowned upon but i need some real advice . i bought a cherry us yachts 21 last summer . cherry aside from the lifting dagger . i ' m looking for some repair advice . i realize i might be barking up the wrong tree , or perhaps a tree that has long since fell over . it ' s worth a try . thanks , bigfork .
us 21 ? i thought they only made a 22 ? i learn something new every day . i know of us 18 us 22 us 25 us 27 us 30 us 33 gets fuzzy from there , but i know they made a pilothouse , in a 42 ? my bad , i see they made the 21 . this is the boat i was thinking of
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your first trailer - sailer for 1 / 3 the price of an equivalent build ( unless you have many parts lying around and have a penchant for misery ) .
i guess i ' m just looking for somebody who is familiar with the model of boat and can help shore up my confidence in the purchase . as i said before , i know she scoots right along and would be a great addition to my fleet . plus , the mrs and i could overnight for the weekend . anyone have one of these , rode on one , or capable of speaking on the model ' s behalf . . . tall order , i know .
yep , she ' s a not a bad boat and she was later built and called the triton 21 .
her lifting keel ( only 200 pounds ) worked though if not in good repair can have issues . she can display all the issues of boats built in this era .
i do know of one minor issue . the board she has now is not the original . the boat was once on her side and the dagger pin wasn ' t in . the 200 lb board came out of the top with force and straight to the bottom . when sailing , we ' ve had a bit of a hassle getting the new board to go down . it takes some wet lube and a firm stomping from the foot . the thought was that the parts that are a little tight would eventually rub off and the board would move with more ease . eventually the board will seat and the pin installed , but it can be a task . my friend has put no real effort into solving the tight spots , just dealt with the initial wrestling match . would something non - toxic like olive oil work to grease the skids ? a squirt bottle with olive oil seems like an easy solution . would there be any bad effects to the inside of the dagger sleeve ?
- - the boat has all 3 sails in fine shape with a tattered e - bay storm jib .
- - stored under cover for last 5 years and it shows ! can comb your hair in the reflection on her belly .
- - has minkota and deep cycle batteries ( cabin wiring might be a little dodgy as most 30 - - year old boats seem to be . . . no biggy , just a redo . )
asking price is 3000 $ . when i look on craigs list or e - bay for a similar vintage or size , 3k buys you a turd that
sail and certainly needs tlc . likely no trailer or some other deal - killer . i know this boat is in fine shape . 3k seems fair and even a deal when compared to the others i see out there . plus , it ' s 10 miles from home ! i don ' t have to travel to get it !
without having the boat in front of me , it ' s difficult to tell , but i ' m leery of 30 + year old boats with a shinny buff job , as i ' m inclined to think the buff is just to distract you from the real issues . i would think in your area , he ' s pretty much over a barrel , that you ' ve brought with you . not many folks will spend 3k on a 30 year old , less than mainstream pocket yacht , so offer 2k and see where the deal goes . the real question is , will the purchase price be worth it to you . lastly buying a boat from a friend is often a problem , so pick your poison carefully .
where did the time go ? they were an inexpensive boat at the time , and most boats of the era , even the expensive ones , have had their share of problems . check it carefully , and by all means sail it . they were a light boat , but not really light for a racer , and seemed to me to be under ballasted - in morc righting tests , they did not have any reserve . a modern foil with a bulb would change their performance and righting moment for the better .
imo , the sails , motor and trailer would all have to be in very good condition to bring 3k , even to a friend .
they were fairly light on an 18 ' lwl , but as bruce mentions , not exceptionally so . similar racer / cruisers , would be a few hundred more pounds on an 18 ' lwl . the real key figure that stands out is her sa / d and ballast ratio . her firmish bilges standup to her nearly 25 sa / d , but she ' s over powered quickly , as you ' d imagine a second generation ior with barely a 12 % ballast ratio . the only one i know that was actively campaigned carried internal ballast , as she needed to be reefed pretty early other wise .
i don ' t think a bulb could be placed on that inclined board - it would just bind and jam at that angle , without major surgery ( winch , rollers or high modulus plastic slides , etc . ) . i do think she could use and would benefit greatly from a significant increase in ballast . typical racer / cruisers of the era would carry several hundred pounds of ballast . at 40 % , she ' d need nearly another 500 pounds , but if this was all in a bulb and the rig could take the moment increase , well then . . .
thank you for all the comments . the model is fairly rare ; doesn ' t seem to be that many around . the 2nd previous owner to my friend puttered around with 3 different variations of the us 21 since the mid 80 ' s . he really likes them !
about the under - ballast part . . . i too have thought this ! i ' m not super savvy on boat engineering terms but i do have a basic understanding of the forces as work . i did have to look up
sa / d
to see what it meant . i ' ve sailed on this exact boat maybe 10 times over the last 5 years . when she gets overpowered , she heels hard , rudder cavitates , and she rounds up . those events would tell us to reef . . . we almost never left the dock reefed though , just waited for a knock over before getting to it
how do people add weight under the floor ? whatever is used must be set firm so as not to bang about and do damage under the floor . . . maybe sandbags or other
soft
weight ? ?
i ' m going to talk to the 2nd owner going back and see why he likes them so much . . . enough to have owned several . i know the sails are like new , trailer is decent but could likely use a bearing job ( i can do that easy enough )
what about the deck and hull ? i am considering this boat , and would like to know where to look for bad core ( if any . )
i know this may sound a little crude , but on a small light boat , the loads are low enough that there are only a few critical areas . the rest
can
be about as stiff as an inflatable and not make very much difference , but should be factored into the price .
check the high load areas - around the forestay / bow deck and hull , chain plates , mast step inside and on deck , board and trunk , and rudder attachments . also check where the trailer supports the hull , mis - loading or over loading ( from standing water and such ) can also cause damage that may not be worth repairing . in florida , ice damage should not be much of an issue , but can destroy a boat in one winter in northern areas .
that ' s a great point . still , that stuff has to be fixed at some point .
loads are relative and though seemingly low , particularly compared to other craft , typical engineering details address these loads with similarly seemingly skimpy scantlings .
for example the shroud chainplates may only need to support twice the displacement of the vessel in a severe knock down and the working strength of the
weak link
may be 2 . 5 to 3 times the displacement , perfectly tolerable with a margin , but the backing plate and laminate also will be sized to this expected load / margin and may very well fail in an unanticipated event , such as a swell driving the boat into a wharf .
just because the loads may be modest , doesn ' t mean they can ' t be exceeded and that the scantlings and laminate schedule are equally sized .
simply put , small craft generally are simple structures , so there ' s less to look at , but these areas are none the less as important as a larger , more complex structures . since you ' re having difficulty with some portions of an inspection , it would be wise to have the boat surveyed or at the very least , to bring along someone that is quite familiar with these types of boats .
the boat was constructed by two different companies . is anyone familiar with build quality variations ?
i don ' t understand your question ? there are lots of differences between a
low end
build and a
high end
and they are usually obvious once you glance around the deck of a small production sailboat . a classic example of a low end build will have deck hardware through bolted , but just fender washers under the deck , while a high end build will have an inert backing plate , bedding oozing out all around and still some fender washers under the same fasteners .
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joined jun 12 , 2004 1 , 181 posts , 0 likes allied mistress 39 ketch us kemah , tx .
joined jun 14 , 2008 6 , 521 posts , 155 likes hunter legend 40 . 5 us long beach , shoreline marina , ca
as i recall , there were really two generations of these . the first were sort of mega trailererables which had shoal fixed keels and super high freeboards . sort of looked like puffer fishes . there were the ones that gave them a ' bad ' rep , but i ' m not inclined to pile on since i met a family who had cruised the islands including cuba and a good chunk of the us on a 25 . i think a lot of it had to do with looks . the second generation boat , which this one looks like , had some name designers and were very contemporary . they even had a 1 / 4 and 1 / 2 tonner under the ior rule as i further recollect . so , my point is that it ' s certainly worth considering , but should be looked over just like any older used boat . i believe the second generation boats had nice gear on them at that time too . rick d .
her lines look pretty nice to me . how could you knock it if the components are in good condition and higher quality . bayliners are very popular among the powerboat crowd because they are priced right .
but that boat looks like she is in really fine condition . somebody may have put in a lot of care and made improvements already . william , have you seen the boat in person yet ?
joined dec 2 , 1999 15 , 179 posts , 9 likes hunter vision - 36 us rio vista , ca .
a friend had one several years ago , it had a nice hot water heater . the best thing that hapened to it was it got totaled by another boat !
like almost all of them , it was cored with balsa below the water line which also meant it had a rotten core below the water line . i have a spare rudder for a 24 ' bucc , if anyone needs one , the rest of the boat was killed in wilma in its slip . . . with the really shallow draft , it was a good boat to learn on though . . .
this one looks like the model that us yachts took over from . i think the first
buccaneers
were due to the cost of fuel in the 70 ' s and there wasn ' t much design to them ( the ones with the million ports ) . this one became the us yachts which the built in 22 ' , 25 ' , 27 ' , and a 30 something . it is an ok first or second boat for protected water .
i owned a us yachts 25 for 8 years . i sailed her on sf bay ( which is not protected water ) . never had any problem with the boat in those 8 years . the deck was cored with plywood in the high stress areas , and the hull was a solid laminate . i know the hull was not cored because i installed the speedo and depth transducers myself . there was no coring anywhere in the hull . i bought the boat new in 1981 and she is still sailing the bay . she rated 210 sf bay phrf and generally would sail to that rating . she was indeed designed by doug peterson . if that boat is in good shape , deck solid , no damage at the keel to hull joint , i would buy it if the price was right . later the molds were sold to pearson yachts and were made by them for awhile . going by the color scheme on the boat you ' re looking at , it could be a peason built us 25 . the us yachts built boats were an off white color and my ' 81 model was off white with beige gel coat on the topsides . the pearson built one were pure white . rodney s / v sashay sf bay
innovative new product made of flexible , laser cut stainless steel . must see !
i found some more info about the us yacht boats online , which indicates it is a nifty craft . here are some owner reviews of the us yacht 27 , a us yachts owners group , and a yacht information gallery that provides some rigging and layout info .
she has a beam of 9ft 3in , weights around 8 , 000 pounds and would require a special permit to haul it on the highways . i have attached a few pictures and what data i have about her , i am the third owner . the pictures are of a sister ship , but it is the identical boat . all the sails have been recut and a brand new selden roller - furling was installed prior to lay - up , i never had the chance to use it . the genoa is a 150 % sail and really moves her along quit well by it self . the sailcover is new and she sports a bimini , could use a dodger to extend the season . the bilge cover sole pieces are bad ; however , i have new teak sole already cut to size and was in the process of installing them before i became ill .
she has been on dry land since 2002 ; however , every system worked at the time of lay - up . i have been over to check on her several times , and just this past weekend as well . she needs some cleaning on the inside , but all of the cushions ( which have been cleaned ) , sails , sailcover , anchor rode and chain have been stored in my garage , along with a full compliment of life vests .
she has been a great boat for my wife and i and very dependable . she brought us home in the worst storm to hit the chesapeake bay in 50 years ( the wind and waves capsized and sank a 65 ft skipjack ) . i was not out there by choice i can assure you . we had the genoa only up in order to beat against the wind , driving rain and 8 ft waves , but she brought us home .
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look for rot in the sole , interior structure , and the bulkheads . hull is not cored , nice for durability but makes it heavy .
gary mull hull ? who told you this because it sounds awfully unlikely . the 29 ' buccaneer that looks like a real sailboat is supposedly based on a peterson design , although i heard that peterson never got paid , they just modified a hull enough to avoid legal issues . i would guess that ' s the case with the 25 as well . but the 25 is a pig .
ain ' t gettin into it again , but it is . ( a few of their models were apparently cribbed off others according to unsubstantiated innuendo and rumor . ) search around and find pics of the ranger 22 , then the us22 and us25 . ignore the decks , look at the hulls and foils . astounding similarity . then ask bob perry about it . and duck . . . .
thanks , i will look for the trouble spots . slower , it will race ph . anyone know what it may rate ? ugler . . . yea maybe . . . for the price it can not be beat for a day sailor out of waikiki . i like the deep cockpit with a three year old son .
in all fairness to the us 25 - it has decent interior volume for a 25 ' boat ; a workable cockpit and a reasonable underbody somewhat resembling the hull of a peterson 1 / 4 tonner . they typically rate 6 - 8 secs slower than a san juan 24 , with a much larger , more modern interior .
if optimized and well sailed ( few are ) they can be competitive . build quality , if reasonably well preserved , is passable . generally for the amount of money you can pick one up for , assuming it ' s not water logged , they are great value and a good entry level boat . just don ' t buy one without a survey .
someone i know bought one 2 weeks ago for $ 2200 on a trailer . average condition , needs some elbow grease and upgrades . can ' t beat it for that price !
sailing , racing , working on boats , talking about sailing , reading about sailing , drinking beer while sailing . . . .
have a good look at the deck for compression under the mast . water rots out the wood and the deck concaves . its a problem with the us 27 and 30 ' s too .
we had one of the us25 ' s at our club one time ( the owner gave my j / 24 a tow once when we needed it . nice guy . ) . anyway , a fairly nice looking boat . as i recall it had a pretty tall rig on it . may not have been original . this guy was a racer . that particular us25 surprised me with it ' s looks and rig . as i say , may not be original , but if you got yours inexpensively then it ' s probably a fine boat .
i had a good look at her today . very clean . the current owner took great care of her and had a deck cover in place to stop water leaks . it look like it has a j24 rig . no rust on the keel bolts or the chain plates . bulkheads show no water damange . i will take her for a sail tomorrow morning . it should be trades , 10 - 15kts .
thanks for the great advise . i sailed her this morning in 8 - 15 off waikiki . it is the deep keel and it was very tender . outside of a set of sails and updating the hardware it is ready to play .
oxygen mask , red dragon , rudimentary , ozzie , drinks on me when you get to oahu . rothcomm @ urltoken
be sure to check it . it ' s not cheap to build a replacement . i know few of them have suffered strcutural failure due to inadequate initial build quality / strength .
i just bought one of those from a guy on my dock who was moving and could not sell it . fixed it up and now am selling . sailed it last weekend for the first time . wow is it slow , and i think a mac26x without the board down would point higher .


the plum card is a charge card issued by american express ' open small business division in the fall of 2007 .

initially there were to be only 10,000 cards issued .

some of the first 10,000 cardmembers were featured in advertising .

in the spring of 2008 , additional applications were made available .

the card 's color , as the name suggests , is plum , a deep purple .

the plum card offers cardmembers the option of an early pay discount of 1.5 % , ( to those who any amount as long as their minimum payment is covered within ten days of the statement closing date ) or an " extra days to pay " option that allows you to pay 10 % of the new balance by the first please-pay-by date and revolve the remaining balance only until the next please-pay-by date .

cardholders are allowed up to 99 employee cards fee free .

american express plum card

click here to go to american express official website to apply online for the plum card ® from american express open now .
american express plum card : 1 . 5 % rewards and deferred payments for businesses
info about the following cards : american express® gold card , delta reserve® credit card from american express , platinum delta skymiles® credit card , starwood preferred guest® credit card from american express , hilton honors surpass® credit card , american express® blue sky , american express® green card , the amex everyday® preferred credit card from american express , the plenti® credit card from amex , blue from american express® , platinum card® from american express exclusively for mercedes - benz , bluebird , centurion® card from american express , hilton honors american express aspire card , starwood preferred guest® american express luxury card , and american express cash magnet℠ card has been collected independently by valuepenguin . the issuer did not provide the details , nor is it responsible for their accuracy .
american express plum card : 1 . 5 % rewards and deferred payments for businesses - nerdwallet
let ' s look at the main benefits of the plum card® from american express open .
so you can consider the american express plum card’s credit score requirement to be 700 + .
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american express plum card is a flexible business charge card to help manage cash flow . how does it compare to american express business platinum , a travel charge card ? read our comparison chart below .
unlike many american express cards , the plum card® from american express open has no foreign transaction fees , making it a good choice if you travel internationally for your business .
every card has weaknesses , and the plum card® from american express open is no different . consider the following before applying :
give an american express® gift card . select from over 35 designs . order now
considering all the american express benefits this the plum card ® from american express open has , it is in my opinion a good choice of card for established business owners who want an american express card with flexibility and a discount option . apply online and you will get a response within 60 seconds .
keep in mind , the american express plum card has a $ 0 introductory annual fee for the first year , then $ 250 , while the american express business platinum has a $ 450 annual fee .
save when you book your next trip online with american express travel . book now
this american express card has no preset spending limit , giving you purchasing power that adjusts with your use of the card .
is the plum card® from american express open worth the $ 250 annual fee ? read on to see how this card can help business owners manage cash flow .
find more american express services . choose from personal savings accounts & cds , accept american express charge & credit cards , small business apps & tools , and mobile services .
having the perks of american express open and access to more capital comes at a price . the plum card® from american express open’s annual fee — $ 0 for the first year , then $ 250 — is high compared with other business cards .
still need help deciding which business card is better ? read the in - depth reviews below . you may also be interested in comparing american express plum card or ink business preferred .
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to earn the 1 . 5 % discount with the plum card® from american express open , you have to pay your balance within 10 days of your statement date . the
one thing you don ' t want to do when choosing a business rewards card is overlook the competition . to make things easier , we ' ve compared the plum card to two other american express business card offerings .
american express is offering promotions for new small business credit card applicants . read the latest reviews and score deals with this guide .
lets look at how this works with a 3 month example . in this example we assume you spend 3 , 000 per month on the plum card® from american express open .
the plum card® from american express open costs an annual fee of $ 250 dollars , waived for the first year , that offers small business owners a discount on their monthly bills .
the plum card from american express open puts a spin on the traditional business charge card . instead of earning points for your purchases , you can pick up a discount just for paying your bill early each month .
because the plum card is a charge card , american express normally requires cardholders to repay all balances in full by each statement due date . those who fail to do so for 2 consecutive periods risk account closure .
the plum card features many business - friendly benefits , including adjustable spending limits on employee cards , expense tagging and tracking , digital receipt storage , and access to the american express open forum .
below i ' ll explain to you how the the plum card ® from american express open works and tell you how we rate this business credit card so that you will have a better idea if this card is right for your business needs .
log in to your american express account online . access and track your charge and credit card accounts , membership rewards , merchant services and more .
the plum card ® from american express open is a rewards card from american express , a urltoken advertiser , for established business owners . plum card is a charge card , yet allows you to pay your bills in a more flexible way . each month , you have the option to get a 1 . 5 % early pay discount and / or defer your payment without interest ( for 60 days ) . as an amex card , it also comes with many cardholder benefits .
if your business does not have an existing credit history , applying for the plum card® from american express open may require you to use a personal guarantee . american express may use your personal credit history in determining whether or not to issue the card to your small business . for businesses with an established credit history this might not be an issue .
the plum card ® from american express open is one of the only business payment cards which rewards you with discounts when you pay early , and also gives you more repayment flexibility than other charge cards .
american express offered me this card and after using it for months and paying on - time , they reduced the limit without any reason or explanation .
the plum card® from american express open is marketed towards businesses with an excellent credit profile . if you ' re a new business and need to use a personal guarantee the score would be greater than 720 .
editorial note : this content is not provided by american express . any opinions , analyses , reviews or recommendations expressed in this article are those of the author ' s alone , and have not been reviewed , approved or otherwise endorsed by american express .
there are two types of business owners who can benefit from using the plum card® from american express open : those who have enough cash on hand to pay early and get the 1 . 5 % discount , and those who prefer to have more time to pay off their balance than to earn rewards . the benefits of american express open membership is icing on the cake . but if you’re sensitive to the plum card® from american express open’s high annual fee or your business doesn’t have enough cash flow and you need to carry a balance , you may want to consider another card .
is the business gold rewards card from american express open worth the $ 175 annual fee ? it depends . read this in - depth analysis before you apply .
if you’re a small business owner , the plum card® from american express open can help with your accounts payable . with perks geared toward businesses with either consistent or unpredictable cash flow , this one might be worth considering .
from american express open : the plum card is good if you use credit to cover all of your business expenses . if your spending is concentrated in certain areas and you want to earn rewards , we suggest you consider the business gold rewards card .
you can also receive 35 % points back on all first and business class flights , with all airlines available through american express travel .
open forum is a powerful resource for business owners . plum card holders get full , complimentary access to the american express open forum , which is a powerful source of business advice and information from other business owners and experts .
welcome offer : earn 100 , 000 hilton honors bonus points with the hilton honors american express business card after you spend $ 3 , 000 in eligible purchases in the first 3 months of card membership .
the plum card® from american express open is a charge card , which means it doesn’t have a pre - set spending limit . while this doesn’t mean you have unlimited spending , your purchasing power is more flexible than it would be if you had a set limit .
the math suggests that the plum card® from american express open is most suited to businesses that can take advantage of it pay it later feature . even then we would only consider the card if you ' re expecting to spend at least 16 , 000 dollars annually .
find american express protection services . choose from credit scores & reports , fraud protection center , travel insurance , financial tools , and financial education .
editorial note : this content is not provided by american express . any opinions , analyses , reviews or recommendations expressed in this article are those of the author ' s alone , and have not been reviewed , approved or otherwise endorsed by american express . this site may be compensated through the advertiser ' s affiliate programs .
the plum card is not a typical rewards card . you won ' t get extra cash back for spending in certain categories or earn airline miles for travel . instead , where the plum card shines is in its flexibility in payment options for small businesses .
you can enjoy access to the american express global lounge collection℠ offering access to the most lounges across the globe , when compared with other u . s . credit card offerings . as of 11 / 2017
the plum card has no preset spending limit * , which gives you purchasing power that can adjust with your use of the card and other factors .
unlike other business credit cards , which typically have a grace period of around 25 days to pay your bill without a late fee , the plum card® from american express open gives you up to 60 days from your statement date to pay part of your balance without incurring interest .
because the plum card® from american express open is a charge card , you face steep penalties if you don’t pay your balance in full according to the card’s terms . for example , if you’re 30 days past due , you’ll be charged a late fee of 1 . 5 % of the past - due amount , or $ 38 , whichever is greater .
the second main feature of the card is the ability to pay some charges over a longer period of time . normally as a charge card your business would be required to pay off your entire balance at the end of each billing cylce . with the plum card® from american express open if you pay at least 10 % of the new charges on the card in the current month , and pay off any deferral from the previous month you can wait to pay off the remainder for another billing cycle with no interest . this feature makes the plum card® from american express open useful if your business experience month to month cash flow fluctuations that might make paying all your expenses difficult .
potential for lower spending limit . although charge cards don’t come with preset spending limits , american express often sets spending limits – as low as $ 5 , 000 , in some cases – for plum customers after relatively short active periods . this is likely due to the fact that amex markets the plum card to seasonal businesses and companies with less predictable revenue streams . however , it can be frustrating for customers who expect to have more freedom to spend . american express is much less restrictive with its other charge cards on this front .
the american express plum card’s credit score requirement is “good” or better . that means you need a credit score of 700 + for a realistic shot at approval . it is possible to get amex plum with lower scores , as the good credit range is generally thought to start at 660 . but your odds just won’t be great if your score is below 700 .
no foreign transaction fee : unlike some business rewards cards on the market , the plum card doesn ' t come with any foreign transaction fees . this also makes the plum card a great one for businesses that send their employees overseas .
your business is relatively new : the plum card is marketed towards established businesses that already have a solid credit profile .
instead of doling out rewards in the conventional sense , the plum card® from american express open gives you a 1 . 5 % early payment discount on the portion of your balance that you pay within 10 days of the statement closing date . click “show details” below for a complete rundown of the basics :
the business platinum® card from american express open offers travel - friendly benefits – including global lounge collection , airline fee credit , and platinum concierge service . but with so many cards boasting no annual fee , why would anyone want to pay $ 450 to use this card each year ?
from american express : the card offers complimentary access to over 1 , 000 airport lounges worldwide , up to a $ 200 annual statement credit for airline fees ( at one selected airline ) , and access to 24 / 7 concierge service . the card also has no foreign transaction fees .
no annual fee for each additional employee card . this is a great benefit if you choose to get plum cards for your employees .
the plum card® from american express open is a small business charge card with a $ 250 annual fee ( waived the first year ) . unlike most american express charge cards , it does not have a welcome offer , nor does it share in the company’s membership rewards point program . however , it does offer a 1 . 5 % discount on all balances paid early – defined as within 10 days of your statement closing date , as long as you make your minimum payment ( 10 % of new activity during the statement period , plus any balance from previous statement periods ) .
american express is a creditdonkey partner . we receive compensation if you apply and get approved for a card through links in our content . you do not have to use our links , but you help support creditdonkey if you do . ( read more )
5 . no foreign transaction fee : american express will not charge any foreign transaction fee on the purchases you make outside of the united states with your card . however , there may be circumstances where atms or merchants charge a fee on foreign transactions .
no welcome offer . the plum card doesn’t have a welcome offer . that’s unusual for business credit and charge cards with high annual fees .
without interest sure makes it seem that way . then there’s what john said , the whole deal with amex not giving you the 1 . 5 % when you pay too early , before your billing cycle ends . what ? you can pay too early to get a pay early discount ? really ? in principle , that just makes me mad . the rest of the plum card doesn’t really make up for that in my mind either . i don’t really like when rewards cards give you ranges because i like to know exactly what i’m getting . plus , you can do better than the american express plum card’s rewards with a number of other business rewards cards , including the cap one spark cash for business and the amex simply cash . so when all is said and done i guess i vote no on the american express plum business credit card .
the plum card® from american express open is somewhat unusual . it’s not quite fair to say that it’s a hybrid credit - charge card , but it definitely shares some attributes of both . in essence , it combines a charge card’s lack of regular interest charges with the more flexible repayment schedule of a credit card , though not without limits . and it incorporates an incentive – the 1 . 5 % early repayment discount – for an action that most charge cards expect of their customers as a matter of course .
do you want a simple way to earn cash back with no annual fee ? true to its name , the simplycash® plus business credit card from american express helps small - business owners earn cash back on purchases without having to think much about it . and . . .
smoothing out cash flow is a big issue for many business owners , and that is where the plum card can help with the ebbs and flows .
the the plum card ® from american express open is a good choice of card for established business owners who want an american express charge card that gives you flexibility when it comes to making your monthly payments . each month , you can choose to get a 1 . 5 % early pay discount , and also to defer your payments interest - free . if your business has a positive cash flow and has a strong credit history , you could consider applying for this card . as mentioned earlier , the $ 250 annual fee ( after the first year ) could be covered with the 1 . 5 % discount if you have a lot of business expenses on the card each month ( that you pay off a big portion of the balance within 10 days of the statement closing date ) . terms and restrictions apply .
smart chip : the plum card is equipped with an emv smart chip , which is designed to make your transactions safer from would - be identity thieves .
the plum card® from american express open is a great charge card for business owners , particularly those with unpredictable revenues and expenses , who need the option to pay over a short period of time without worrying about losing cardmember status or incurring interest charges and fees . on the other hand , it’s also useful for business owners who want a cash back reward – the 1 . 5 % early payment discount – for paying in full each month . plum isn’t great for business owners who dislike high annual fees , nor those who need a reliably high spending limit .
with flexible payment options and a unique discount for prompt payment , the plum card already makes a tempting offer . but the benefits don ' t stop there . here are 10 more things to like about the card .
travel accident insurance : you get up to $ 100 , 000 for serious injury or death while in transit when you charge a trip to your amex plum card .
while the plum card has lots of positives , it ' s not going to be perfect for every business owner . in fact , there are a few good reasons why you might want to check out another card instead .
car rental loss and damage insurance to ensure that your eligible rental car is covered in the case that it gets damaged or stolen when you pay with your plum card .
the rewards for the plum card® from american express open don ' t stack up favorably on their own when you compare it to these other options . the annual fee simply eats too much of your savings to make it worthwhile . if you ' re looking for a 1 . 5 % rewards rate , the capital one® spark cash® select is a business card with 1 . 5 % cash back and no annual fee whatsoever . clearly the superior choice in every way when it comes to savings .
good personal credit required . applicants’ personal credit history is the driving force behind business credit card approval decisions . for one thing , it tends to be more predictive , since most businesses don’t have much of a credit track record . and all issuers hold business credit card users personally liable for unpaid balances , which is why you have to list your social security number on a business credit card application . you should therefore be sure to check your credit score for free on wallethub before applying . after all , more than half of all potential applicants won’t be able to meet the american express plum card’s good - credit requirement .
if you want to earn cash back with no annual fee : not all merchants take american express . sometimes you need a visa or mastercard . the chase ink business cash offers wide acceptance , cash back rewards , the ability to pay over time ( since it ' s a credit card ) , and no annual fee .
the credit card offers that appear on this site are from credit card companies from which urltoken receives compensation . this compensation may impact how and where products appear on this site , including , for example , the order in which they appear on category pages . urltoken does not include all credit card companies or all available credit card offers , although best efforts are made to include a comprehensive list of offers regardless of compensation . advertiser partners include american express , u . s . bank , and barclaycard , among others .
disclaimer : the information for the ink business cash credit card has been collected independently by creditdonkey . the card details on this page have not been reviewed or provided by the card issuer .
must pay in full within 60 days of your due date . the american express plum card is a charge card , which means you can’t carry a balance from month to month and continue making purchases . but that shouldn’t be an issue because business credit cards are bad for financing to begin with , since issuers can increase the interest rate on a balance at any time . furthermore , the plum amex gives you a bit more leeway than most charge cards , allowing you up to 60 days after your due date to pay your bill in full before assessing interest and suspending spending privileges . you just have to pay at least the required minimum by the due date .
4 . annual fee : the annual fee of $ 250 for your basic card is waived for the first year of your membership . the annual fee for additional plum cards is $ 0 .
the plum card’s strengths appeal to businesses with unpredictable cash flows , especially those affected by seasonality , such as retailers in vacation towns . at the same time , it’s not for everyone . before you apply for this card , make sure you understand its limitations .
entertainment access : if part of your business routine involves entertaining clients , make sure you purchase event tickets with your plum card . members can take advantage of exclusive presales for sought - after events .
car rental insurance : you’re covered up to $ 50 , 000 if a car you rent with your plum card gets damaged or stolen . just refuse the rental company’s insurance to activate your coverage .
the plum card is comparable to a number of other business credit cards and charge cards , including amex’s other color - coded charge cards : business platinum , business green rewards , and business gold rewards .
advertiser disclosure : this post includes references to offers from our partners including american express . we may receive compensation when you click on links to those products . however , the opinions expressed here are ours alone and at no time has the editorial content been provided , reviewed , or approved by any issuer .
keep in mind that the plum card is meant for business owners with a good or excellent credit score and ample cash flow . if you’re just starting out and can’t demonstrate adequate revenues , or if you have any significant credit blemishes , you likely won’t qualify for this card .
earn a $ 100 statement credit after you make $ 1 , 000 in purchases on the card within your first 3 months of card membership .
the 1 . 5 % discount alone , does not make the plum card® from american express open a good choice for small business owners . the discount is effectively a cash back / statement credit award at a rewards rate of 1 . 5 % . with the high annual fee of $ 250 a year , you ' d have to spend over $ 16 , 000 annually on the card just to break even . judged purely on rewards , a number of other small business cards offer greater rewards rates , with substantially less annual costs . a card like the capital one® spark® cash offers 2 % cash back on all purchases and will cost you only $ 95 a year .
disclaimer : this content was first published on august 17 , 2011 . this content may have been updated on july 11 , 2016 . information including apr , terms and benefits may vary , be out of date , or not applicable to you . information is provided without warranty . please check american express website for updated information .
open savings benefit is a powerful incentive to spend with popular merchants . the plum card’s open savings benefit boosts your earning power – via 5 % discounts – on purchases that you’re not unlikely to make anyway : fedex shipping , hertz rental cars , and urltoken gift baskets . this is a nice fringe benefit that boosts plum’s already attractive 1 . 5 % early payment discount .
is your business better off with a charge card or a credit card ? does it matter ? yes . read this article to learn the important differences .
free uber ride ( up to $ 30 ) with promo code uberamex when you use an american express card as the payment method to get your free ride . keep in mind that the promo code must be applied to your uber account prior to taking first uber ride and is valid on all vehicle options except ubert . this offer is available in u . s . only and it expires on july 31 , 2018 .
purchase protection : if something you buy with your plum card gets stolen or damaged in the first 90 days , you’re covered up to $ 1 , 000 per item . there’s an account limit of $ 50 , 000 per year .
flexible business charge card to help manage cash flow . . . read full review
disclaimer : this content is not provided or commissioned by the credit card issuer . opinions expressed here are author ' s alone , not those of the credit card issuer , and have not been reviewed , approved or otherwise endorsed by the credit card issuer . this site may be compensated through the credit card issuer affiliate program .
extended warranty coverage : for businesses with a hefty amount of regular equipment purchases , the extended warranty program offered with the plum card can come in handy if you run into a problem after the manufacturer ' s warranty expires . exclusions apply .
return protection : if you want to return an item you bought with your plum card and the store won’t let you , you’re covered up to $ 300 per item . the maximum benefit is $ 1 , 000 per account per year .
no rewards beyond early repayment benefit . unlike most other american express business credit and charge cards , as well as many business cards issued by other companies , plum doesn’t earn rewards or cash back points beyond the on - time repayment deal . other amex business charge and credit cards earn 1 to 3 membership rewards points per $ 1 spent on some or all purchases , while some business cash back cards , such as capital one spark cash for business , earn as much as 2 % cash back across the board .
in terms of the annual fee , you ' ll pay $ 175 versus plum ' s $ 250 , and it ' s waived for the first year .
flexible spending : the plum card doesn ' t have a pre - set spending limit , which means your credit line can grow along with your business . that ' s an advantage if you ' re planning a major purchase down the line .
solid the first year , if you pay early . in addition to offering extra time to pay , the amex plum card actually rewards you for paying early . you get 1 . 5 % off the amount of any bill payment made within 10 days of your monthly due date , provided in the form of a statement credit . and that’s important because the plum card offers no other rewards . unfortunately , this perk isn’t as attractive once you pass the 12 - month mark , as the card’s annual fee will take effect and eat away at your early - payment savings .
get up to $ 200 in statement credits per calendar year on a selected airline for incidentals such as baggage fees , lounge day passes , and more . access to 5 airport lounge networks including the centurion® lounge network , the international american express lounges , delta sky club® lounges , priority pass ( tm ) select , and airspace lounge . enrollment required for priority pass select .
enroll for complimentary spg gold status ( starwood preferred guest gold preferred guest ) . enroll for complimentary hilton honors gold status . fine hotels & resorts - book your stay through american express fhr at one of 600 luxury hotels and you may get a room upgrade upon arrival , daily continental breakfast for 2 , guaranteed 4pm late checkout and a special amenity unique to each property .
every credit card has its benefits . the plum card is a great card for small business , that needs an extension of 30 days to pay it back . if you can afford o pay early , there is a really cool early pay discount , which in total lowers the cost of your purchase . an additional amazing feature is , the unlimited spending limit , obviously based on your spending , payment and credit history it may increase or decrease , however its a great benefit . overall , it has more benefits than loses , just remember that its a credit card , not a gift card .
35 % airline bonus : use membership rewards® pay with points for all or part of a flight with your selected qualifying airline , and you can get 35 % of the points back , up to 500 , 000 bonus points per calendar year . you can also receive 35 % points back on all first and business class flights , with all airlines available through american express travel .
a history of the changes made to card the card ' s features , benefits , bonuses and any other other details that have an impact in a cardholder ' s decision .
flexible repayment option . the plum card’s flexible repayment option sets it apart from most other charge cards , including its fellow color - coded amex business charge cards . it’s great for companies with unpredictable revenues or expenses – such as seasonal businesses , a key marketing target for this card . unlike most other charge and credit cards , the plum card doesn’t charge interest or fees for 60 days after the statement closing date , as long as you pay at least 10 % plus previously carried balances by the due date . that’s a big plus if you need a little extra time to pay your balance in full .
for example : if you currently average $ 5 , 000 in monthly expenses , you could save $ 75 a month with the plum card simply by paying early . this adds up to $ 900 a year , far more than the $ 250 annual fee .
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the $ 250 annual fee is waived for the first year , and there is no foreign transaction fee . late payments , which american express defines as balances left unpaid for more than 2 consecutive statement cycles ( 60 days ) , cost $ 38 or 2 . 99 % of the late balance – whichever is greater . returned payments cost $ 38 . terms and conditions apply – see rates and fees .
personal credit scores are key . although amex plum is a business credit card , available only to business owners , you’re personally responsible for paying off balances . as a result , amex considers your personal credit history ( along with that of your business credit ) when you apply .
employee cards : adding on employees to your charge account can get expensive if you ' re paying multiple annual fees . fortunately , employee plum cards are available at no additional annual fee .
no foreign transaction fee . the plum card doesn’t have a foreign transaction fee , which is nice for cardmembers whose business takes them outside the united states . u . s . bank business edge world mastercard has a 2 % to 3 % foreign transaction fee , depending on currency denomination .
check out our roundup if you’re still wondering what is the best credit card for your business needs .
running a business is unpredictable . one month you may be flush with cash and another month you may worry how you ' ll pay your bills . with the plum card , you can take up to 60 days to pay without incurring interest charges , as long as you pay at least your minimum due .
* see the online credit card application for details about terms and conditions . reasonable efforts are made to maintain accurate information . however all credit card information is presented without warranty . when you click on the
apply now
button , you can review the credit card terms and conditions on the issuer ' s website .
how we calculate rewards : valuepenguin calculates the value of rewards by estimating the dollar value of any points , miles or bonuses earned using the card less any associated annual fees . these estimates here are valuepenguin ' s alone , not those of the card issuer , and have not been reviewed , approved or otherwise endorsed by the credit card issuer .
here ' s our opinion : the plum card is good for established businesses who may not have consistent cash flow from month to month . the deferred payment option will give you a nice breather to pay later without interest . however , keep in mind that in order to justify the $ 250 annual fee , you ' ll have to pay early for at least $ 17 , 000 worth of bills per year . this may be problematic for smaller businesses . analyzing your current spending patterns can tell you whether you stand to gain or lose by opening a plum account .
those are the most valuable amex plum benefits . there are a few others , including special ticket pre - sales for entertainment and sporting events . but unlike the perks listed above , those don’t come with a clear dollar value .
the plum card has two unique payment options each month . you can get an early pay discount on part of your statement balance , and you can take up to 60 days to pay the rest without interest when you pay the minimum due by the payment due date . so take advantage and pay your bill the way that works for your business .
no complicated rewards system . the plum card’s early repayment discount is about as simple as credit card rewards get . if you pay part or all of your balance within 10 days of statement closing , you effectively get 1 . 5 % cash back on that amount . by contrast , many other amex business credit and charge cards use the somewhat confusing membership rewards program , which features variable point values , variable minimum redemption requirements , and limits to what you can redeem for .
no pre - set spending limit . as a charge card , it doesn ' t have a pre - set spending limit . your purchasing power will adjust with your use of the card , your payment history , credit record and other factors .
plum cardholders earn 5 % discounts on purchases made with open savings partner merchants , including fedex , hertz , and urltoken ( see the full list at urltoken ) . every discount is automatically applied to your billing statement for the purchase month .
high annual fee . the plum card comes with a $ 250 annual fee . that’s higher than fellow amex charge cards , such as business green rewards ( $ 95 ) and business gold rewards ( $ 175 ) , and higher than popular business credit cards , such as capital one spark miles ( $ 59 ) and chase ink business preferred ( $ 95 ) .
at urltoken we compare credit cards and rate them objectively based on the credit card ' s features , interest rates and fees .
1 . welcome bonus offer not available to applicants who have or have had this product . earn up to $ 600 back the up to $ 600 back will appear as three $ 200 credits . to be eligible to earn each statement credit , you must charge $ 10 , 000 in qualifying purchases * during the first 3 months of card membership , starting from the date your account is approved . each $ 200 statement credit you are eligible for will be credited to your account within that statement cycle period in which you have met the purchase requirement . limit one offer per card account . offer may not be combined with any other special offer . your account must be in good standing and not in default at the time of fulfillment of any offers . american express reserves the right to modify or revoke offer at any time .
earn up to $ 600 back . here ' s how : earn a $ 200 statement credit after each $ 10 , 000 you spend in purchases on the card , up to $ 30 , 000 , within the first 3 months of card membership . ¹
- automatically get a 5 % discount credited to your statement when you use your card for eligible purchases with open savings partners . 6
however , don ' t forget about the plum card ' s generous deferred payment plan . we think this is where the real value lies . the ability to take up to 60 days to pay without interest ( as long as you pay your minimum due ) is invaluable for businesses whose cash flow varies from month - to - month and may not be able to pay in full each month .
lots of fringe benefits . the plum card has lots of business and non - business benefits , including 24 / 7 global assistance and roadside assistance , automatic alerts when employees use additional cards on the account , extended warranties on purchased items , and more . chase ink business cash , chase ink business preferred , and the u . s . bank business edge family of cards don’t have such robust benefits .
this charge card gives you the option to pay in full each month or to carry a balance for up to 60 days with no interest .
about creditdonkey® creditdonkey is a credit card comparison website . we publish data - driven analysis to help you save money & make savvy financial decisions .
hmm , the amex plum card is very interesting to me . it’s obviously different than most charge cards in that it seems like you don’t necessarily have to pay your bill in full at the end of the month . the pay early discount of 1 . 5 % off your tab if you pay in full within 10 days of a billing cycle ending and the option to only pay 10 % and pay off the rest over two months
* see the card issuer ' s online application for details about terms and conditions . reasonable efforts are made to maintain accurate information . however , all information is presented without warranty . when you click on the
apply now
button you can review the terms and conditions on the card issuer ' s website .
account manager when you designate an account manager , you can allow trusted individuals - like an assistant or business partner - to access and manage your business card account . so you can trust your account manager to get the work done when you can ' t be there .  spend manager sm spend manager sm is a feature available to help you manage your card expenses by allowing you to add receipts and notes to your transactions either via desktop or your mobile device .  connect to quickbooks ® label and transfer your transaction data from your american express online statement directly into your quickbooks account .  account alerts set account alerts to help you avoid late payments , notify you of irregular activity , and monitor employee card spending . year - end summary at the end of the year , see a complete summary that categorizes your spend by month and purchase type , and helps you track your business expenses down to the last detail .  online statements view your purchase history , prepare reports , and budget your expenses . mobile and tablet apps easily manage your account , pay your bill , check your balance , view your benefits and more from your mobile phone or tablet .
you carry a balance longer than 60 days from time to time : if you need to be able to stretch out your payments for purchases occasionally , the plum card isn ' t for you . while you do have that 60 - day window to pay without interest ( assuming you pay at least the minimum payment due , which is 10 % ) , sometimes your business needs more time . if so , take a look at how these business credit cards compare .
no preset spending limit * the plum card empowers you to buy big . with no preset spending limit , the card gives you purchasing power that can adjust with your use of the card and other factors . * no preset spending limit does not mean unlimited spending . purchasing power adjusts with your use of the card , your payment history , credit record and financial resources known to us , and other factors . choose your billing cycle choose to receive your bill at the beginning , middle , or end of the month . when you pay within the first ten days , you ' ll get 1 . 5 % back .  employee cards get additional flexibility with employee cards at no additional annual fee . employee cards can make it easier for your team to do their jobs , while making it easier for you to stay on top of their spending . plus , get an early pay discount on employee spending if you add employee cards to your account and pay early .
expense tracking tools : you can download the amex spend manager app to keep track of receipts and manage cards from your phone . and if you have quickbooks , you can enroll in connect to quickbooks . your plum transactions will automatically transfer to your quickbooks every day . you also get a year - end summary of charges .
no foreign transaction fees . this is a great benefit since you won ' t have to pay any foreign transaction fees when you make purchases in another currency using your card .
cards are rated by our team based primarily on the basis of value for money to the cardholder . the urltoken team rates each card based on its annual fee , rewards , benefits , bonus , introductory apr , ongoing apr , flexibility ( in how its benefits can be used and how rewards are earned and redeemed ) , and other card features .
members earn 3 points per $ 1 in 1 category of their choice : airfare , advertising , gas , shipping , or technology purchases ( see our in - depth business gold rewards card review for category definitions ) . you also earn double points on the other 4 categories in purchases annually . the triple points and double points apply to the first $ 100 , 000 in purchases in each of the 5 categories per year . the card pays 1 point per $ 1 on purchases over the annual limit or outside the five bonus categories . finally , there ' s a 50 , 000 - point bonus available if you spend $ 5 , 000 on the card within the first three months of card membership .
you want rewards : earning 1 . 5 % back just for paying your bill early is appealing , but you could be potentially earning even more by choosing a different card with a different rewards rate for specific categories . if your focus is on saving your business money , choosing a card with a more - inclusive rewards structure could be the right move .
the card ' s biggest downside is the annual fee , which comes to $ 450 , but frequent business travelers should see if the various premium benefits could justify the annual fee .
the early repayment discount , flexible repayment options , lack of foreign transaction fees , and open access are nice benefits . the high annual fee , lack of a welcome offer and membership rewards , and potential for a low spending limit are drawbacks . overall , plum offers unusual flexibility and a solid cash back rate , but some business owners may conclude that more compelling options exist .
find a charge or credit card that is right for you . choose from personal charge & credit cards , small business charge and credit cards , corporate cards , gift cards and pre - paid cards .
* no preset spending limit does not mean unlimited spending . purchasing power adjusts with your use of the card , your payment history , credit record and financial resources known to us , and other factors .
purchase protection and extended warranty on eligible purchases made with your card . purchase protection can protect eligible purchases made with your card against accidental damage and theft for up to 90 days from the date of purchase . the extended warranty extends the term of the original manufacturer ' s warranty up to one more year on eligible purchases with warranties of five years or less that are eligible in the u . s .
where the card can come out ahead however is for businesses where short term cash flow issues force them to carry short term balances . by taking advantage of the deferral you can shift keep a balance on the credit card constantly without paying interest until your company is better able to pay it off . this works if the company has a spike in expenses or loss in revenues for a period of a month .