- With no annual membership fee, it's a smart choice for your business
- Automatic cash back - cash back is earned on eligible purchases and automatically credited to your statement
- 5% at U.S. office supply stores & on wireless telephone services purchased directly from U.S. service providers
- 3% at U.S. gas stations
- 1% on other purchases
- Up to $12,000 in purchases in each 5% and 3% category per rebate year, then 1%.
- Terms and limitations apply
5.0 / 5.0 (84 votes)
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Information - Rates - Fees

Intro APR:
See Terms*
Applied Towards:
Purchases
Intro Period:
See Terms*
APR:
12.24% - 19.24%*
APR Type:
variable
Annual Fee:
N/A*
Card Network:
Card Category:
Business (Regular)
Card Type:
Credit Needed:
Excellent*
Grace Period:
25 days*
Min Finance Charge:
$0.50
Late Payment Fee:
$38.00*
Over Limit Fee:
$35.00

Balance Transfers

Balance Transfer:
No

Cash Advances

APR on Cash Advances (%):
21.24%
Cash Advance Fee (%):
3.00%
Minimum Fee:
$5.00

Other Fees

Additional Fees
- Foreign transaction fee: 2.7% of each transaction after conversion to US dollars.
- Returned payment fee: $38.00

CreditCardsLab is compensated by featured partners, but editorial opinions are our own.

Review by

SimplyCash Business Card from American Express is intended to help business owners consolidate expenses into a single business card account charging low interest on purchases. Card members are made privy to exclusive benefits and discounted purchasing. Throughout a long term intro period, card members do not incur interest on purchases. To encourage balance transfers, there is no fee charged.

Card members earn 1% cash back on standard eligible purchases. Office equipment and other qualifying purchases earn 5% while gas purchases earn 3% less than $12,000 and 1% afterwards. Cash earned does not expire and there's no yearly limit.

No annual fee is charged.

Card members enjoy side benefits like online account access, exclusive membership to business programs, travel accident insurance, purchase protection and more.

Features

Most attractive:
- No annual fee
- Unlimited cash back
- 0% introductory rate
- Fee free additional cards
Least attractive:
- Not all applicants may qualify for the lowest offered rate
- Restrictions to 3% rebate purchases

Rewards & Benefits

Reward Unit:
Cash
Rewards:
- 5% at U.S. office supply stores & on wireless telephone services purchased directly from U.S. service providers
- 3% at U.S. gas stations
- 1% on other purchases
Expiration:
None
Yearly Limit:
None
Other Benefits:
- Emergency Card Replacement
- Extended Warranty
- Global Assist Hotline
- Purchase Protection
- Travel Accident Insurance
Online Access:
Yes!

*The information provided for SimplyCash® Business Card from American Express is believed to be accurate at the time of evaluation (Nov 14, 2013). We strongly advise visitors to review the fees, terms and conditions to verify accuracy of the information posted prior to applying for the product.

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