Business Credit Card - American Express SimplyCash® Card
American Express SimplyCash® Business Card is an outstanding card for small business owners who are looking for a very generous cash rewards program on many of their business expense item purchases without having to pay an annual fee.
American Express SimplyCash® Business Card
Earn 5% Cash Back on Office Supplies and Wireless Services*
Earn a 3% Cash Rebate on Auto Gas Purchases Up to $12,000 per Year; 1%
thereafter
Earn 1% Cash Back on Virtually All Other Purchases*
No Limits to The Cash Back You Can Earn*
Cash Back is Automatically Credited to the Statement Each Month*
0% Introductory APR for up to 12 Months on Purchases*
No Fee with the Flexibility to Pay in Full or Carry a Balance*
Additional Cards Have No Annual Fee*
Save 3-25% on Business Purchases at Companies Like FedEx®, Delta®, Hertz®,
and More*
Intro APR
Intro APR Period
Regular APR
Annual Fee
Balance Transfers
Credit Needed
0% on Purchases*
Up to 12 Months*
As low as Prime + 0%
First Year Waived*
Yes*
Very Good Credit*
Editor's Review:
Business owners looking for a business credit card that also offers an attractive cash back rewards feature may be interested in the American Express SimplyCash® Business card. With this card, business owners are automatically included in a cash back rewards program without having to pay an annual fee.
Cardholders of the American Express SimplyCash® Business Card will earn a higher amount of cash back rewards on purchases that are typically needed by business owners. These include office supplies, auto gas, and wireless services. Some restrictions do apply, however, so business owners should be sure to read the fine print in order to guarantee they get the most from this card. What sets this card apart from many other cash back business credit cards is the fact that office supply and wireless service purchases earn a very generous cash back reward equivalent to 5%.
Additionally, you will earn a 3% cash rebate on automobile gas purchases up to $12,000 per year and 1% thereafter. All other purchases will receive a 1% cash back reward. To help simplify the process of receiving the cash, the earned rewards are simply credited to the business owners card statement at the end of the billing cycle. Since there are no limits on the amount of cash that can be earned back with this business credit card, business owners can feel free to charge all of their expenditures to the card in order to earn as much cash back as possible.
The variable APR on the American Express SimplyCash® Business Card is relatively low, particularly for a credit card that offers a rewards program. Depending on the credit history of the applicant, the APR will be based on the prime rate plus either 0.00%, 3.99%, 6.99%, or 9.99%. Business owners should keep in mind that cash advances will result in a higher interest rate. In addition, cash advances are subject to a 3% fee with the smallest possible fee being $5.
Holders of this American Express business credit card will also receive a number of benefits that are typical of American Express cards. This includes purchase protection, travel accident insurance, and discounts with certain partner retail establishments. Cardholders also receive access to OPEN: The Small Business Network service, which provides them with a number of benefits that are helpful to small business owners.
Cardholders that wish to issue credit cards to their employees can do so for free with the American Express SimplyCash® Business Card. They also receive emergency card replacement services and emergency check-in services to help their business activities run smoothly.
*Please be sure to see the specific business credit
cards for additional details about the terms of the credit card
offer that you are interested in. We make a reasonable effort to maintain
informational accuracy. However, all information and any details pertaining to
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that offer on the credit card issuer's web site.
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