The Plum Card offers an early pay discount if your balance is fully paid within in 10 days of the closing date of your statement. If you spend up to $5,000 in a month this is a 1% discount, and 2% if you spend over $5,000. If you pay at least 10% of your balance by your Please By Date, you can take up to two billing cycles to pay off the remainder of your balance with no interest or financing fees. There is no fee for this card in the first year, after which the fee is $185.