SimplyCash® 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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SimplyCash® Plus Business Credit Card from American Express

SimplyCash® Plus Business Credit Card from American Express

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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 14.49% - 21.49%

  • 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: 14.49% - 21.49% Variable APR

    Penalty APR: 29.99%, Variable

  • Foreign transaction fee

    2.7% of each transaction after conversion to US dollars.

Recommended credit score

Compare to other cards

American Express SimplyCash Plus Business Credit Card Credit Card

SimplyCash® Plus Business Credit Card from American Express

NerdWallet rating 
NerdWallet rating 
NerdWallet rating 
Annual Fee

$0

Annual Fee

$95

Annual Fee

$0

Regular APR

14.49% - 21.49% Variable APR

Rates & Fees

Regular APR

15.99% - 22.99% Variable APR

Regular APR

12.99% - 22.99% Variable APR

Intro APR

0% on Purchases for 15 months

Intro APR

N/A

Intro APR

0% intro APR for 18 billing cycles on purchases and on any balance transfers made within 60 days of account opening

Recommended Credit Score
Recommended Credit Score
Recommended Credit Score

Wondering if this card is the best match for you?

Wondering if this card is the best match for you?

Wondering if this card is the best match for you?

Just tell us some details and see which card matches your needs most.

Just tell us some details and see which card matches your needs most.

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 14.49% - 21.49% 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.