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SimplyCash® Plus Business Credit Card from American Express
SimplyCash<sup>®</sup> Plus Business Credit Card from American Express
SimplyCash® Plus Business Credit Card from American Express

SimplyCash® Plus Business Credit Card from American Express

 

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Your Rating:

3.1/5.0 from 81 Offer Ratings
Over the Past 60 Days!

(81) Over the Past 60 Days!

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Your Rating:

3.1/5.0 from 81 Offer Ratings
Over the Past 60 Days!

(81) Over the Past 60 Days!

Great For

Generous cash back: earn 5% on some business spending categories, no annual fee

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Terms and Conditions apply

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Card Details

Regular Purchase APR

13.24% - 20.24% Variable

Intro Purchase APR

0% on Purchases for 9 months

Intro BT APR

N/A

Annual Fee

No annual fee

Credit Needed

Excellent/Good

Card Brand

American Express

Highlights

Earn up to $400 cash back

Get up to 5% Cash Back on select business purchases

Pay No Annual Fee for you or your employees

  • Click "APPLY NOW" to apply online
  • Special Offer: Earn up to $400 cash back
  • Earn a $200 statement credit after you spend $5,000 in qualifying purchases on your Card within the first 6 months of Card Membership.
  • Plus, earn an additional $200 statement credit after you spend an additional $10,000 or more in qualifying purchases on your Card within the first year of Card Membership.
  • No Annual Fee. Plus, more buying power and more cash back.
  • 5% cash back on wireless telephone services purchased directly from U.S. service providers and U.S. office supply stores.
  • 3% on the category of your choice from a list of eight and 1% cash back on other purchases.
  • 5% and 3% apply to the first $50,000 in purchases per calendar year, then 1% thereafter. Cash back received is automatically credited to your statement.
  • Terms and limitations apply
  • See Rates & Fees
Card Fees
  • Penalty APR

    29.99%

  • Foreign Transaction Fee

    2.7% of each transaction after conversion to US dollars

Ongoing Information
  • Rewards Rate

    5% at U.S. office supply stores & on wireless telephone services; 3% on the category of your choice from a list of categories; 1% on other purchases

  • Annual Fee

    No annual fee

Expert Reviews

  • 3.5 Regular APR
  • 3.5 Intro APR
  • 4.0 Fees
  • 4.0 Benefits
  • 3.5/5 Overall Rating
From the CompareCards.com Editorial Team

If you have a business, you have business expenses. Rather than letting that money go to waste, why not get some of it back? That's possible with the SimplyCash Plus Business Credit Card from American Express. The rewards program for the SimplyCash Plus Business Credit Card is a little complicated, but it offers a nice return for your money.

Card members can earn 5% cash back on money spent at U.S. office supply stores and on U.S. wireless telephone service providers when purchased directly. Cardholders can also earn 3% cash back in a category of choice and earn 1% cash back on other purchases. Qualifying purchases above $50,000 in a specific category will earn 1% cash back.

For a limited time, cardholders can earn a special offer of $400 cash back. First you earn a $200 statement credit after spending $5,000 on qualifying purchases on the Card within the first 6 months of card membership. And you earn an additional $200 after you spend $10,000 or more with your card in the first year.

There is no annual fee with the card and comes with a 0% introductory APR for the first 9 months on purchases. The on-going APR after that is 13.24% - 20.24% Variable, depending on your credit worthiness. As long as you use this card on a regular basis, you should be able to benefit from the rewards associated with it.

The Good
  • Cash back opportunities are vast with 5% and 3% cash back categories. You will earn 1% cash back on other purchases not in the bonus categories and have access to exclusive benefits like Purchase Protection and Travel Accident Insurance.
The Not so Good
  • You'll need to have excellent credit to get approved.
The Bottom Line

The SimplyCash Plus Business Credit Card from American Express has no annual fee and with up to 5% cash back in select categories, this card has one of the most profitable cash back programs on the market. This is a nice option for business owners who already have established credit.

Editorial Note: This content is not provided by American Express. Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by American Express.

Consumer Reviews
(81 Reviews)

Offer Rating

3.1 out of 5.0

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