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SimplyCash® Plus Business Credit Card from American Express

An Advertising Partner

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on American Express's secure site

SimplyCash® Plus Business Credit Card from American Express

An Advertising Partner

 

Rated 3.7/5 stars by our editorial team

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  • Regular Purchase APR

    14.24% - 21.24% Variable

  • Intro Purchase APR

    0% on Purchases for 15 months

  • Intro BT APR

    N/A

  • Typical Credit Needed

    500

    600

    700

    750

    850

  • Annual Fee

    No annual fee

  • Card Brand

    American Express

Highlights

  • Click "APPLY NOW" to apply online
  • 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 14.24% - 21.24%
  • 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
  • See Rates & Fees

Card Fees

  • Foreign Transaction Fee

    2.7% of each transaction after conversion to US dollars.

  • Cash Advance Fee

    N/A

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

  • Regular APR

    3.5

  • Intro APR

    3.5

  • Fees

    4.0

  • Benefits

    4.0

  • Overall Rating

    3.7 /5

From the LendingTree.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 this card is a little complicated, but it offers a nice return for your money. Card members can earn 5% cash back on wireless telephone services purchased directly from U.S. service providers and U.S. office supply stores, 3% cash back on the category of your choice from a list of eight, 1% cash back on other purchases. 5% and 3% apply to the first $50,000 in purchases per calendar year, then 1% applies thereafter..

For a limited time, cardholders can get a special offer of n/a. First you earn a statement credit of $250 after spending $5,000 on qualifying purchases on the Card within the first 6 months of card membership, then earn an additional credit of $250 after you spend an additional $10,000 or more with your card in the first year.

There is no annual fee with the card and comes with a introductory APR of 0% on purchases for 15 months. The on-going APR after that is 14.24% - 21.24% 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 Bottom Line

SimplyCash® Plus Business Credit Card from American Express has no annual fee and lots of cash back opportunities, so this card has one of the most profitable cash back programs on the market. This card is a nice option for business owners who already have established credit.

The Good

Cash back opportunities are vast, with different levels of cash back on different purchases, and 1% cash back on other purchases not in the bonus categories. customers also 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.


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.

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

  • Regular APR

    3.5

  • Intro APR

    3.5

  • Fees

    4.0

  • Benefits

    4.0

  • Overall Rating

    3.7 /5


Consumer Reviews 0 Reviews

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