SimplyCash® Plus Business Credit Card from American Express


For People with
Excellent Credit

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.

Card Quick Facts

Card Quick Facts

  • No annual fee
  • 0% intro APR for 9 months
  • 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 the category of your choice from a list of select categories and 1% cash back on other purchases
  • American Express OPEN Business benefits
  • Terms and limitations apply

For People with
Excellent Credit

Manage My Card

Want to pay a bill or check your balance?

Card Details

Rewards

Rewards

  • 5% cash back at U.S. office supply stores and on wireless telephone services purchased directly from U.S. service providers (up to $50,000 in purchases each year; then 1% cash back)
  • 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
How to Redeem

Introductory Bonus

  • None
Card Stats

Card Stats

Annual Fee $0
Additional Cards Annual Fee -
Regular Purchase APR 14.24%, 19.24%, or 21.24% Variable
Intro Purchase APR 0% for 15 months
Foreign Transaction Fee 2.7%
Chip Technology Chip-and-Signature
Minimum Credit Limit -
Maximum Credit Limit -
Free Credit Score Yes
Penalty APR 29.99% Variable
Late Fee Up to $38
Returned Payment Fee $38
Balance Transfers

Balance Transfers

Intro Balance Transfer APR -
Regular Balance Transfer APR N/A
Balance Transfer Fee N/A
Cash Advances

Cash Advances

Cash Advance APR -
Cash Advance Fee -

Card Benefits

Check your card’s Guide to Benefits to learn the specific benefits your card offers and how to access them.

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