Am I eligible?
To get this card, you must also:
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...
- Ben Luthi, CardcruncherThe SimplyCash Plus Business Credit Card offers great rewards on everyday business expenses, and the ability to choose your own 3% category can be great if you spend a lot on one of the available options. However, the lack of a welcome bonus and balance transfer promotion, along with the rewards cap...
- Jenny Hoff, The WirecutterYou 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.
- NextAdvisorThe 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.
- Taylor Tepper, The WirecutterThis 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.
- Mike Cetera, The Points GuyIf 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...
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:
5% and 3% cash back apply on the first $50,000 spent in purchases each year. |
| Features & Benefits | |
| Additional Card Holders |
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 |
| Virtual Cards | 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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