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    SimplyCash® Plus Business Credit Card from American Express

    SimplyCash® Plus Business Credit Card from American Express

    For People with
    Excellent Credit

    Apply Now

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    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.

    Card Quick Facts

    Card Quick Facts

    • 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
    SimplyCash® Plus Business Credit Card from American Express

    For People with
    Excellent Credit

    Apply Now

    REVIEWS

    Reviews
    Write a Review
    Read Our Full Review
    Best Pick

    BEST PICK

    Best Pick
    Best No Annual Fee Credit Cards: 2019

    Manage My Card

    Want to pay a bill or check your balance?

    Pay My Bill

    Pay My Bill
    Request Credit Limit Increase

    Request Credit
    Limit Increase
    Speak to Customer Service
    Speak to Customer Service

    1-888-781-6736

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    Check Application Status

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    Application Status

    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 14.49%–21.49% 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 -
    Balance Transfer Fee N/A

    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.

    How balance transfers work
    Cash Advances

    Cash Advances

    Cash Advance APR -
    Cash Advance Fee -

    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.

    How cash advances work

    Card Benefits

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

    Read about this specific card’s benefits
    Learn about credit card benefits

    • Reports to the Business Credit Bureaus

      Amex business cards in positive standing report to Small Business Financial Exchange. If they enter a negative status they will be reported to Dun & Bradstreet, along with the regular consumer bureaus.

    • Expanded Buying Power

      You can spend a certain amount over your credit limit each billing period. This amount will be determined by your credit history, financial history, use of the card, and other factors. The amount you spend over your credit limit will need to be paid back in full along with your minimum payment for that period.

    • Amex Offers

      Get a variety of valuable discounts at many different merchants. Must be added to the card manually online.

    • Entertainment Access®

      Exclusive access to ticket pre-sales and card member-only events in your city.

    • Free Employee Cards

      You can get up to 99 employee versions of this card at no additional cost. You can set individual spending limits and earn rewards from their purchases.

    • OPEN Forum®

      Online community for small business owners to connect with each other.

    • OPEN Savings®

      Extra savings on eligible purchases from participating merchants.

    • OPEN Relationship Care® Service

      Call the number on the back of your card to speak with a specially-trained, business-oriented customer support representative.

    • ReceiptMatchSM with QuickBooks®

      Track expenses with ReceiptMatch with QuickBooks®.

    • Account Alerts

      Get alerts about account information on your phone.

    • Account Manager

      Ability to give other people permission to manage your account.

    • Dispute Resolution

      Help dealing with fraudulent and incorrect transactions.

    • Chip-and-Signature Technology

      This card is equipped with EMV technology for better security and accessibility.

    • Extended Warranty

      For warranties of 5 years or less, get up to 1 extra year added to the original manufacturer’s warranty.

    • Purchase Protection

      Items purchased with your card are protected against accidental damage and theft within 90 days of the purchase.

    • Return Protection

      If a merchant won’t take back an item within 90 days, American Express may refund the purchase price (restrictions apply).

    • Global Assist® Hotline

      When you travel 100 miles or more from home, provides help with travel accidents like lost passports, the need for a lawyer, sudden illness, and more. You pay for all third-party service costs.

    • Baggage Insurance Plan

      Eligible lost, damaged, or stolen bags are covered up to $1,250 for carry-on baggage & checked bags together and up to $500 for checked baggage only.

    • Travel Accident Insurance

      Up to $100,000 in financial security if accident or death is caused when traveling by Common Carrier plane, train, ship, or bus.

    • Car Rental Loss and Damage Insurance

      Stolen or damaged vehicles are covered if you use your card to pay and reserve the rental, and you decline the collision damage waiver.

    • Roadside Assistance

      Assistance with services such as towing, changing a flat, or boosting a battery in case of emergency (third-party costs will apply).

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