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SimplyCash® Plus Business Credit Card from American Express review

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Advertiser Disclosure

Interest Rate: Purchases
14.49% ‐ 21.49% (0% for the first 9 months)
Balance Transfer
-
Rewards
1% cashback
Signup Bonus
-


8.9/10
Informr score
The SimplyCash® Plus Business Credit Card from American Express currently has an Informr score of 8.9 out of 10. This score is based on our evaluation of 19 sources including reviews from users and the web's most trusted critics.

Am I eligible?


SimplyCash® Plus Business Credit Card from American Express is typically available to those with good credit scores (650 or greater).
To get this card, you must also:
Yes Be a permanent or temporary resident of USA

Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.

What the Critics Are Saying...


The Wirecutter

You find a little bit of joy everywhere. American Express is well regarded for its customer service, while the card itself earns solid cash-back rewards in eligible categories of your choosing without charging an annual fee.

- Jenny Hoff, The Wirecutter
NextAdvisor

The SimplyCash Plus Business Credit Card from American Express is a smart option for any business looking to earn significant cash back rewards. Add in a 0% on purchases for 15 months, a reasonable ongoing APR and all the benefits of the American Express program, and you’ve got a perfect choice.

- NextAdvisor
The Wirecutter

This card checks all the boxes for what most small-business owners want in a card, offering no annual fee, excellent customer service, possible access to a flexible credit limit, and a 15 month 0% intro period on purchases.

- Taylor Tepper, The Wirecutter
The Points Guy

If your business spends heavily on office supplies and you either don’t mind (or crave) cash back and would prefer not having to think about when or how to redeem, SimplyCash can be a rewarding card for you, especially if you also have heavy spend in one of those eight secondary categories that earn...

- Mike Cetera, The Points Guy
CreditCards.com

The SimplyCash Plus Business Credit Card from American Express is a no-fee rewards card that can be lucrative for businesses who spend a lot on office supplies and wireless services.

- Holly Johnson, CreditCards.com

Details


Interest Rates
Regular APR Interest Rate 14.49% ‐ 21.49% (0% for the first 9 months)

This APR will vary with the market based on the Prime Rate.

Balance Transfer Interest Rate

Balance Transfers Not Allowed

Cash Advance Interest Rate


Rates & Fees
Annual Fee $0.00
Balance Transfer Fee
Cash Advance Fee
Foreign Transaction Fee 2.7%

Of each transaction in U.S. dollars.

Over Limit Fee $0.00
Late Payment Fee $38.00

Maximum

Promotions
Sign up bonus No
Rewards
All Purchases 1% cash back
Restaurants No
Gas No
Groceries No
Hotels No
Travel No
Pharmacy No
Bills No
Additional Details

Earn 5% cash back on U.S. office supply stores and on wireless telephone services purchased directly from U.S. service providers.

Earn 3% cash back on 1 of the categories below.


Categories you can choose from include:


  • Airfare purchased directly from airlines
  • Hotel rooms purchased directly from hotels
  • Car rentals purchased from select car rental companies
  • U.S. gas stations
  • U.S. restaurants
  • U.S. purchases for advertising in select media
  • U.S. purchases for shipping
  • U.S. computer hardware, software, and cloud computing purchases made directly from select providers


5% and 3% cash back apply on the first $50,000 spent in purchases each year.

Features & Benefits
Additional Card Holders Yes

The maximum number of Additional Cards issued on each Account is 99.

Travel Accident Insurance Yes
Car Rental Insurance Yes
Car Rental Discount No
Extended Warranty Yes
Purchase Protection Yes
Zero Liability No
No Foreign Transaction Fees No
Emergency Assistance Yes
Concierge Service No
Price Protection No
Fraud Protection No
Free Credit Scores No
Wireless Payments No
Additional Benefits

Baggage Insurance Plan

Eligibility
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
More
Additional comments
Terms & Conditions Official Terms & Conditions
Suggest a correction

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Information in this article is believed to be accurate at the time it was written, but terms and conditions may change at any time. All information is presented without warranty or guarantee. Please verify all terms and conditions of any credit card prior to applying.

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Critic Reviews


The Wirecutter

The best all-around, no-annual-fee business card

from The Wirecutter

You find a little bit of joy everywhere. American Express is well regarded for its customer service, while the card itself earns solid cash-back rewards in eligible categories of your choosing without charging an annual fee.

Read full review

You find a little bit of joy everywhere. American Express is well regarded for its customer service, while the card itself earns solid cash-back rewards in eligible categories of your choosing without charging an annual fee.

Read full review

Less

NextAdvisor

A great, easy choice for companies

The SimplyCash Plus Business Credit Card from American Express is a smart option for any business looking to earn significant cash back rewards. Add in a 0% on purchases for 15 months, a reasonable ongoing APR and all the benefits of the American Express program, and you’ve got a perfect choice.

Read full review

The SimplyCash Plus Business Credit Card from American Express is a smart option for any business looking to earn significant cash back rewards. Add in a 0% on purchases for 15 months, a reasonable ongoing APR and all the benefits of the American Express program, and you’ve got a perfect choice.

Read full review

Less

The Wirecutter

Best overall business card

from The Wirecutter

This card checks all the boxes for what most small-business owners want in a card, offering no annual fee, excellent customer service, possible access to a flexible credit limit, and a 15 month 0% intro period on purchases.

Read full review

This card checks all the boxes for what most small-business owners want in a card, offering no annual fee, excellent customer service, possible access to a flexible credit limit, and a 15 month 0% intro period on purchases.

Read full review

Less

The Points Guy

Stands out from other Amex business cards

from The Points Guy

If your business spends heavily on office supplies and you either don’t mind (or crave) cash back and would prefer not having to think about when or how to redeem, SimplyCash can be a rewarding card for you, especially if you also have heavy spend in one of those eight secondary categories that earn 3%.

Read full review

If your business spends heavily on office supplies and you either don’t mind (or crave) cash back and would prefer not having to think about when or how to redeem, SimplyCash can be a rewarding card for you, especially if you also have heavy spend in one of those eight secondary categories that earn 3%.

Read full review

Less

CreditCards.com

Rewards can be lucrative if you spend a lot

from CreditCards.com

The SimplyCash Plus Business Credit Card from American Express is a no-fee rewards card that can be lucrative for businesses who spend a lot on office supplies and wireless services.

Read full review

The SimplyCash Plus Business Credit Card from American Express is a no-fee rewards card that can be lucrative for businesses who spend a lot on office supplies and wireless services.

Read full review

Less

Get.com

Great card to earn cash back on business expenses

from Get.com

It offers attractive cash back on certain categories of purchases such as office supplies, wireless telephone services and a category of your choice, and has a standard 1% cash back on other eligible purchases. Add up all the cash back and you'll end up with a smart choice for your business!

Read full review

It offers attractive cash back on certain categories of purchases such as office supplies, wireless telephone services and a category of your choice, and has a standard 1% cash back on other eligible purchases. Add up all the cash back and you'll end up with a smart choice for your business!

Read full review

Less

ValuePenguin

A good credit card for tech startups

from ValuePenguin

The SimplyCash® Plus Business credit card is easily one of the best small business credit cards to have, especially if you are a tech company. With no annual fee and rewards rates that climb as high as 3% or 5% on select categories, it’s hard to find a card that provides better dollar for dollar value.

Read full review

The SimplyCash® Plus Business credit card is easily one of the best small business credit cards to have, especially if you are a tech company. With no annual fee and rewards rates that climb as high as 3% or 5% on select categories, it’s hard to find a card that provides better dollar for dollar value.

Read full review

Less

Dough Roller

An all-around excellent choice

from Dough Roller

If you’re a business owner looking for a flexible, annual fee-free card that offers excellent cash back, look no further. With the Simply Cash Plus Business Card from American Express, you’ll earn anywhere from 1-5% back on the things you buy every single day. You can earn 3-5% back on up to $50,000 in purchases each year.

Read full review

If you’re a business owner looking for a flexible, annual fee-free card that offers excellent cash back, look no further. With the Simply Cash Plus Business Card from American Express, you’ll earn anywhere from 1-5% back on the things you buy every single day. You can earn 3-5% back on up to $50,000 in purchases each year.

Read full review

Less

Credit Card Insider

Offers low-cost way to pay for business expenses

from Credit Card Insider

This card provides a valuable set of rewards and benefits for small businesses. But there are many other business credit cards, with different features that might work better for you.

Read full review

This card provides a valuable set of rewards and benefits for small businesses. But there are many other business credit cards, with different features that might work better for you.

Read full review

Less

Wise Bread

Stands out among other business credit cards

from Wise Bread

This card is best for business owners whose spending is primarily domestic and falls into the office supply and wireless services categories, as well as one of the categories you can choose from. It is also a great card for both business and travel benefits.

Read full review

This card is best for business owners whose spending is primarily domestic and falls into the office supply and wireless services categories, as well as one of the categories you can choose from. It is also a great card for both business and travel benefits.

Read full review

Less

User Reviews


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