SimplyCash® Plus Business Credit Card from American Express Reviews

Approval Odds

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4.2 out of 5 stars
5 Reviews

From Cardholders in the last year

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Application Process

4.5 out of 5 stars

Customer Service

4.5 out of 5 stars

4 5

Card Details

  • Balance Transfer Intro APR Not Applicable
  • Balance Transfer Regular APR Not Applicable
  • Annual Fee $0
  • Purchase Intro APR 0% for 9 Months
  • Purchase Regular APR 12.99% - 19.99% * Variable

Our Take

The SimplyCash® Plus Business Credit Card from American Express can be a good way to save money and get rewards while building credit for your business.

What to Like

The SimplyCash® Plus Business Credit Card from American Express offers 5% cash back at office supply stores and wireless telephone services. You’ll also get to choose one more rewards category from a list, and get 3% cash back on purchases there. 

Look Out For

This card comes with a high penalty APR that will apply in certain conditions. There’s also a 2.7% foreign transaction fee. Choosing your own 3% category is great, but keep in mind that you can only change your category once a year.


These reviews were written by current and former cardholders in the last year.

Apr 16, 2017
Love the color and the company
AbbasSal Cardholder

Its a great Card for buisness from AmericanX, with the flex to repay. what they promice ---they dilever . started with 16k going on my sec month ,easy to use with no suprises ill keep useing t. It did not report on my personal credit report, I dont care ,caus my score is high any way .But they do report to the buisnes side.....Love AmEx .

more ...
Jan 13, 2017
JamielCotman Cardholder

I've always loved American Express. They're amonst my highest credit limit approvers. So I knew to use Simply Cash when shopping for business credit. Not to my suprise, my STARTING credit limit was $9,000. Never used that much but imagine if I apply for more. Finally, thier online interfaces and overal customer experience is amazing. They have dashboards that connect with Quickbooks and can seamlessly correspond with your business and other checking accounts

Excellent product!

more ...
Nov 04, 2016
Card has treated me good!
dogmatize Cardholder

I had this Amex business for about a year this Jan 2017 coming up. I love this card and when i use it people look like how this guy get such a upscale card. However the card demands respect just using it. I've been a Amex member since 1988, Therefore i know amex from top to bottom.  Also customer service is top notch and so far in my opinion no one compares, Especially there chat online service. You don't really need to call customer service. Just speak to them right from the chat box on the right side of the screen. Awesome card!  A+++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++

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Oct 24, 2016
9 Months 0% introductory rate
alexferrari Cardholder

The application process was easy, customers service is very helpfull, using the 0% introdutory rate and receiving cash back credit on account.

For customers looking to have a business credit card that report to D&B.

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Jun 15, 2016
business owners beware! scam! scam! scam

i have this card.beware! they claim you can chose 3% in a catagory of your choice.i selected online advertising.

i advertise on "home advisor" - a amjor leader in online advertising for business so you would think this merchant would count right? WRONG!

why not i asked? because they merchant doesn't use the required code and it's out of our hands! now,this would of been nice to know before signing up for the card right? the thing is,i asked speficially if this merchant would count before appling! i was assured they would be! LIE #1!!!

then i was told they would fix this problem and adjust all my past "home advisor" online advertising from the 1% that went towards other,to 3% along with all the future ones.LIE #2! and of course no one i spoke too could tell me why anyone who works there would tell me that!

i was told i could fix this problem myself by contacing my merchant LIE #3! the merchant couldn't help me nor does AMEX want to aceppt whatever code home advisor is using.once i followed up on this i trapped them into 3 strikes and they're out!

so.the bottom line is,if you want this card because you desire the 3% back in online advtersing and you primarily use home advisor.pass this card doesn't qualify to earn 3% back there.

im posting this because i wish i had a reviewer to tell me before appling.

i had a 10k limit with them.i reduced it to 1k.i wont support these guys.for now i'll just use my 1.5% rewards back on everything card and seek out a card for online advertising other than AMEX! these guys lied to me over and over.i wont support liers.neither should you!

you've been warned!

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Apr 16, 2017

I have had the same challenge. All my advertising is online, and because the merchant doesn't have "advertisement" in the name or use a "code" I have never received any points. They do have a no pay until 18 month feature that I am using.....once that has expired....this card will end up in the do not use pile. Too bad.

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SimplyCash® Plus Business Credit Card from American Express