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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 22 Offer Ratings
Over the Past 60 Days!

(22) Over the Past 60 Days!

  • Regular Purchase APR 12.49% - 19.49% (Variable)
  • Intro Purchase APR 0% for 9 months
  • Intro BT APR N/A
  • Annual Fees No annual fee
  • Credit Needed

    Excellent

Card Details

Highlights

  • Click "APPLY NOW" to apply online
  • Welcome Offer: Earn a one-time $250 statement credit after you spend $5,000 or more in qualifying purchases on your Card within the first 6 months 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

Late Payment Fees Up to $38

Foreign Transaction Fee 2.7% of each transaction after conversion to US dollars

Returned Payment Fee $38

Penalty APR 29.49%

Ongoing Information

Rewards Cap Earn 5% & 3% Cash Back on up to $50,000 per year*

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

Grace Period 25 days

Additional Card Details

$0 Fraud Liability No

Auto Rental Insurance Yes

Extended Warranty Program Yes

Roadside Assistance Yes

Purchase Protection Yes

Travel Assistance Yes

Flight Accident Insurance Yes

Lost Luggage Reimbursement Yes

Concierge Service No

Expert Reviews

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. Quailfying purchases above $50,000 in a specific category will earn 1% cash back.

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 12.49% - 19.49% 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.

As a welcome offer, cardholders can earn a $250 statement credit after spending $5,000 on qualifying purchases on the Card within the first 6 months of card membership.

Expert Reviews of the SimplyCash® Plus Business Credit Card from American Express

  • 3.5

    Regular APR

  • 3.5

    Intro APR

  • 4.0

    Fees

  • 4.0

    Benefits

  • star rating 3.5/5

    Overall Rating

The Bottom Line

The SimplyCash Plus Business Credit Card from American Express has no annual fee, and a 0% APR for the first 9 months. 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.

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

The APR after the first 9 months is a variable 12.49% - 19.49%. You must have excellent credit to qualify for the card, but the fees associated with it are low enough for anyone to pursue.

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 have not been reviewed, approved or otherwise endorsed by American Express.

Consumer Reviews

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Offer Rating

3.1/5.0

22 Total Ratings

5 Star
 
 
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1 Star
 
 
(2)

Your Rating

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