SimplyCash Plus Business Credit Card from American Express

Note: American Express is a Frequent Miler advertiser. Please see our Advertiser Disclosure.

Card Details and Application Link
SimplyCash® Plus Business Credit Card from American Express

FM Mini Review: Solid cash back card for those who spend a lot within the 5% and 3% categories.


Card Type: Amex Credit Card

Base
1%
Travel
3%
Gas
3%
Phone
5%
Office
5%
Biz
3%

Earning rate: ⚬ 5% US office supply stores and US wireless phone services ⚬ 3% your choice from list of categories (e.g. airfare, hotels, car rentals, gas stations, restaurants, select media buys, shipping,computer) ⚬ 1% other purchases. 3% and 5% rebates are capped at $50,000 per rebate year and then earn 1% thereafter. Terms Apply.

Application Tips


Amex Application Tips



  • Safe to Apply: Amex is the safest bank for trying your luck at earning a new welcome bonus offer. They don’t usually issue a hard pull when denying your application, and if you already have an Amex card, they won't usually issue a hard pull when approved for another one. Plus, they’ll now warn you during the application process if you’re not eligible for the bonus.

  • Lifetime Rule: If you've ever had the same card before, you are most likely prohibited from earning a welcome bonus offer for the card if you apply now. Fortunately you'll be warned during the application process if this is the case. Amex is known to "forget" that you've had a card after about 7 years.

  • 90 Day Rule: You can get at most two credit cards within 90 days. This rule does not apply to Pay Over Time (charge) cards.

  • 5 credit card max: Amex usually won't approve applications for new credit cards if you already have 5 or more Amex credit cards or 10 or more charge cards.

  • Better Offers: You may be able to get a better offer than the best available public offer. Details here.

  • Hard inquiries combine into 1 when approved same day


Check application status here.
If denied, call reconsideration: 877-399-3083 (new accountholders); 866-314-0237 (current accountholders)


Related Cards (Amex cash back cards)

Card Offer
The Plum Card® from American Express
Up to $600
Earn a $200 statement credit after each $10,000 you spend on the card, up to $30,000, in the first 3 months of Card Membership. Terms Apply. (Rates & Fees)

$250 Annual Fee

Blue Cash Preferred® Card from American Express
$250 back
$250 cash back as a statement credit after $3K in the first 6 months. Terms Apply. (Rates & Fees)

$95 Annual Fee

Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.

Recent better offer: Up to $350: 10% cash back on purchases at U.S. Restaurants in the first 6 months, up to $200 back. Plus, earn $150 back after $1K spend in 3 months. (Expired 5/3/17)

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[…] Chase Ink Business Cash, Chase Ink Business Plus (no longer available to new applicants), and Amex Simply Cash Plus.  If you pay with any of these cards, you’ll earn 5X points (with Chase) or 5% back […]

Misty

Great Info . Thanks.

One Question: How to tell the difference between credit cards and charge cards?
Does an application when opening a card indicate which it is.. or….?

[…] If I didn’t have the Delta business card available, I’d probably go for the no fee SimplyCash Plus card.  That one is worth considering anyway for its 5% and 3% cash back […]

[…] Options with no annual fee include: SimplyCash Plus […]

Mike

If you have an MR-based points card, can you convert the 5% into 5x points (Similar to how you can do with URP if you have a Freedom card and a premium Chase card), or is it ONLY % cash back? I value points more than cash back.

[…] a card that earns 5x/5% at office supply stores, such as the Chase Ink Plus, Chase Ink Cash or Amex Simply Cash Plus Business.  To maximize rewards and minimize activation fees as a percentage of cost, you would want to buy […]

[…] a card that earns 5x/5% at office supply stores, such as the Chase Ink Plus, Chase Ink Cash or Amex Simply Cash Plus Business.  To maximize rewards and minimize activation fees as a percentage of cost, you would want to buy […]