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Credit Card Reviews » American Express SimplyCash® Business Credit Card |
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American Express SimplyCash(SM) Business Card
For individuals looking for a great cash back program and carry a good credit rating, the American Express SimplyCash(SM) Business Card may just be the right credit card for you. Along with benefits, you have the opportunity to take advantage of great introductory rates, low interest afterwards, and the ability to maintain a balance if necessary.
Let's start with the rewards program. Who does not love to receive cash back when spending money? We all do and the American Express SimplyCash(SM) business card does just that for us. Free of charge, as a cardholder, you have the opportunity to access this rewards program and earn money for qualifying purchases. Think about it, each time you use the credit card for purchases such as qualifying wireless service, office supplies, and even gas, you will be earning 5% rebate.
For any other purchases you make, you will receive a rebate of 1% of the total. The rebates you can earn are unlimited, there is no maximum cap and each month you will see your rebates on your monthly statement as a credit. It is like someone helping you pay off your credit card bill.
After the rewards, American Express SimplyCash(SM) business card holders can take advantage of a quality credit card that does not carry an annual fee and maintains extremely reasonable rates of interest. That is of course, after you take advantage of a full year of 0% APR introductory rate on all purchases made with the credit card. For balance transfers from another credit card, the introductory rate is 7.99% for the initial six months and lasts for the life of that loan helping you save money over the long term.
This is definitely the choice credit card for many business owners, if the rewards program was not exciting enough, remember that the SimplyCash(SM) business card is offered by American Express, which offers all of its cardholders a host of other excellent benefits such as special discounts, purchase protection, and accident insurance while traveling.
For those needing the option of maintain a rollover balance monthly, the American Express SimplyCash(SM) business credit card may be the credit card for you thanks to the lower rates of interest and the excellent one year introductory rate. At the same time, you also get the opportunity to take advantage of a generous cash back rebate program that gives its members as much as 5% rebates on qualifying purchases.
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0% Intro APR on Purchases for 12 months
5.00% Regular Variable APR for Purchases
19.99% Regular Variable APR for Cash Advances |
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25 days Grace Period |
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| (* A 7.99% introductory rate is available on balance transfers for the life of the loan if a transfer is submitted during the first six months.) |
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| Finance Configuration: Average daily balance (including new purchases). |
| Additional Cardholders: $0 |
| Late Payment Fee: Subject to applicable law, $19 on balances less than $400 and $38 on balances $400 or greater. |
| Over-The-Limit Fee: $35 |
| Cash Advance Fee: 3% of each transaction with $5.00 minimum and no maximum. |
| Balance Transfer Fee: There is no balance transfer transaction fee associated with this offer. However, future balance transfers may incur a fee as disclosed at the time of the applicable offer or transaction. |
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| Minimum Credit Limit: n/a |
| Maximum Credit Limit: n/a |
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| Type of Reward: Rebate |
| Rebate Minimum: 1% |
| Rebate Maximum: 5% |
| Additional Rebates: Earn 5% cash back when you purchase gas, office supplies, and wireless services, and 1% cash back on virtually all other purchases.Cash back for virtually all your purchases is automatically credited to your statement each month. |
| Bonus Rebates First Purchase: n/a |
| Bonus Rebates Other: n/a |
| Expiration: None |
| Yearly Limit: None |
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| Additional Features for American Express SimplyCash® Business Credit Card: |
Various Internet account related services.
Access to OPEN: The Small Business Network services.
Discounts on products and services at participating merchants and retailers.
Purchase protection.
Travel accident insurance.
Emergency card replacement.
Emergency check-in service.
Various travel and emergency assistance services.
See website for additional benefits. |
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| Important Notes for American Express SimplyCash® Business Credit Card: |
The APR for purchases varies according to the applicant's credit history and will be 0.00%, 4.99%, 6.99%, or 9.99% + Prime Rate.
See website for complete terms and conditions of card usage and application disclosure. |
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| Home » Apply for a Credit Card » Special Interests » Cash Back and Rebates for Business |
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| Home » Apply for a Credit Card » Credit Card Issuers » American Express for Business |
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| Notes: The review on American Express SimplyCash® Business Credit Card was updated on May 12, 2008. The review is believed to be accurate during the update, however, information posted may have changed since the update.
We strongly suggest that you carefully read the Terms and Conditions statement that accompanies the credit card application. |
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