SimplyCash® Plus Business Credit Card from American Express

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.

The SimplyCash Plus is an upgrade from the SimplyCash® Business Credit Card, with more buying power and more categories to choose from.

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  • 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
  • Signup Bonus None
  • Chip Technology Chip-and-Signature
  • Foreign Transaction Fee 2.7%
  • Intro Balance Transfer APR N/A for N/A
  • Regular Balance Transfer APR N/A
  • Cash Advance APR N/A
  • Penalty APR 29.99% Variable
  • Late Fee See Terms
  • Returned Payment Fee See Terms

Card Benefits

Check your card's Guide to Benefits to learn the specific benefits your card offers and how to access them. Learn more about credit card benefits here.


  • 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.

OPEN Business Services

  • 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).

Visitor Reviews

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