SimplyCash® Plus Business Credit Card from American Express

SimplyCash® Plus Business Credit Card from American Express

on American Express's secure website, or call (866) 512-6673

SimplyCash® Plus Business Credit Card from American Express

American Express is a NerdWallet Partner

SimplyCash® Plus Business Credit Card from American Express

SimplyCash® Plus Business Credit Card from American Express

on American Express's secure website, or call (866) 512-6673

Card details

  • 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

  • View Rates and Fees

Rates, fees & offers

  • Annual fee

    $0

  • Rewards rate

    1.00%

  • Bonus offer

    N/A

  • Intro APR

    0% on Purchases for 15 months

  • Ongoing Apr

    APR: 14.24% - 21.24% Variable APR

    Penalty APR: 29.99%, Variable

  • Balance Transfer Fee

    None

  • Foreign Transaction Fee

    2.7% of each transaction after conversion to US dollars.

Recommended credit score

NerdWallet Review

By Claire Tsosie

Rating Details

4.4

Editor's overall rating

Pros and Cons

Pros
  • No annual fee

  • High rewards rates in certain categories

  • Intro APR period on Purchases

Cons
  • Complicated rewards program

  • Bonus categories can be changed only once a year

  • Requires good/ excellent credit

For entrepreneurs looking for versatile, custom-made rewards, the SimplyCash® Plus Business Credit Card from American Express is hard to beat.

This $0-annual-fee card gets you an impressive 5% cash back on up to $50,000 a year in combined spending at U.S. office supply stores and on wireless phone service purchased directly from U.S. providers. It also offers 3% cash back in a category you can choose from a list of eight options, on up to $50,000 in spending per year, and 1% cash back on all other eligible purchases. On top of all that, it comes with a solid 0% APR deal: 0% on Purchases for 15 months, and then the ongoing APR of 14.24% - 21.24% Variable APR.

Like many cash-back cards, it charges foreign transaction fees. But for small-business owners who don't plan to make purchases internationally, it's a strong choice. See our full review of the card for more information.

User Reviews

Rating Details

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