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SimplyCash® Plus Business Credit Card from American Express

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Our rating
Credit range: Excellent
Annual Fee: $0
Regular APR: See Terms
Intro Purchase APR: See Terms

SimplyCash® Plus Business Credit Card from American Express

Our rating
Excellent Credit range
$0 Annual Fee
Read our Review

Highlights & Features

Rewards

  • 5% cash back at U.S. office supply stores and on wireless telephone services purchased directly from U.S. service providers
  • 3% cash back on your choice of 1 category:
    • Airfare purchased directly from airlines
    • Hotel stays
    • Select car rentals
    • U.S. gas stations
    • U.S. restaurants
    • U.S. purchases for advertising in select media
    • U.S. purchases of shipping
    • Purchases of hardware, software, and cloud computing services from select U.S. providers
  • 1% cash back for all other purchases
  • Spending limit: 5% and 3% rewards limited to $50,000 in spending per calendar year

Balance Transfers

A balance transfer is a way to move credit card debt from one credit card to another with the goal of saving money on interest.

Intro Balance Transfer APR None
Regular Balance Transfer APR See Terms
Balance Transfer Fee See Terms

Fees

Penalty APR See Terms
Late Fee See Terms
Returned Payment Fee See Terms
Additional Cards Annual Fee None
Foreign Transaction Fee See Terms

Cash Advances

Borrowing cash on your credit card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.

  • Cash Advance APR: None
  • Cash Advance Fee: See Terms
ABOUT THE ISSUER

American Express Business

American Express Business has several card types depending on your needs.

Manage your Account & Pay your Bill

You can usually pay your bill online on your

Credit card issuer's website

Speak to Customer Service

1-888-781-6736 or

Try a different phone number
See all Issuer Cards
SimplyCash® Plus Business Credit Card from American Express

Highlights

  • Special offer: save on interest with a 0% intro APR on purchases for 15 months; after that your APR will be a variable rate, currently 14.49% – 21.49%
  • No annual fee
  • Reinvest in your business with automatic cash back in the form of a monthly statement credit. Plus take control by choosing the 3% category that best fits your business
  • Earn 5% cash back on the first $50,000 spent at wireless telephone services purchased directly from U.S. service providers and U.S. office supply stores.
  • Earn 3% cash back on the first $50,000 spent in the category of your choice from a list of eight and 1% cash back on other purchases
  • With Expanded Buying Power you can spend beyond your credit limit* to make bigger purchases for your business plus earn cash back on those purchases too
  • *The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors
  • Terms apply
The SimplyCash Card is no longer available to new applicants. Current cardholders can continue using it if they wish, or they can upgrade to the American Express® Blue Business Cash Card (Review).

The SimplyCash® Plus Business Credit Card from American Express was designed with the needs of small business owners in mind. It offers cash back for common business purchases, and you as the cardholder can decide one of the categories you want to earn rewards in.

This card is unique because it allows you to spend a certain amount over your credit limit each month. This amount is limited, and it needs to be paid back in full by the due date or you’ll incur the penalty interest rate. The amount you can pay over the credit limit will be determined by your use of the card, your credit history, and other factors.

This card has no annual fee and the cash back is in the form of a statement credit.