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  • No annual fee. Power to choose. Unlock cash back.

  • Earn cash back with buying power to help pay for business needs.

  • 5%cash back at U.S. office supply stores and on wireless telephone services purchased directly from U.S. service providers
  • 3% cash back on the category of your choice from a list of eight
  • 1%cash back on other purchases
Terms and limitations apply. 5% and 3% apply to the first $50,000 in purchases per calendar year, then 1% applies thereafter. Cash back earned is automatically credited to your statement.

Details

Credit Card

  • Option to carry a balance each month with interest
  • 0.0% introductory APR on purchases for 9 months. After that your APR will be a variable rate, currently 12.49%,17.49% or 19.49%, based on your creditworthiness as determined at the time of account opening.

Cash Back

  • 5% cash back at U.S. office supply stores and on wireless telephone services purchased directly from U.S. service providers
  • 3%cash back on the category of your choice from a list of select categories. Categories available:
    • Airfare purchased directly from airlines
    • Hotel rooms purchased directly from hotels
    • Car rentals purchased from select car rental companies
    • U.S. gas stations
    • U.S. restaurants
    • U.S. purchases for advertising in select media
    • U.S. purchases for shipping
    • NEW U.S. computer hardware, software, and cloud computing purchases made directly from select providers
  • 1% cash back on other purchases
  • Terms and limitations apply. 5% and 3% apply to the first $50,000 in purchases per calendar year, then 1% applies thereafter. Cash back earned is automatically credited to your statement.

Annual Fee

$0

Includes:
  • $0 annual fee for each Additional Employee SimplyCash® Plus Business Credit Card
  • NEWMore buying power. More cash back. The Card allows you to buy above your credit limit and get cash back on those purchases too - with no overlimit fees, calls to make or steps to take.* The amount above your credit limit is due in full each month as part of your minimum payment due.
  • * The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors.

Good For

  • Customizing Your Cash Back

    Earn 3% cash back on the category of your choice from a list of 8 on up to $50,000 in purchases per calendar year, then 1% applies. Cash back is automatically credited to your statement.

  • Buying Power

    The Card allows you to buy above your credit limit and get cash back on those purchases too - with no overlimit fees, calls to make or steps to take.* The amount above your credit limit is due in full each month as part of your minimum payment due. * The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors.

  • Wireless Phone Subscribers

    Earn 5% cash back on wireless telephone services purchased directly from U.S. service providers, on up to $50,000 in purchases per calendar year.

  • Buying Power

    MORE BUYING POWER, MORE CASH BACK.

    Enjoy the option to BUY ABOVE YOUR CREDIT LIMIT to make larger purchases and even get cash back on those purchases, with no limit on how much you can get.*

    npsl graph

    OPTION TO BUY ABOVE YOUR CREDIT LIMIT

    This amount is due in full each month

    YOUR CREDIT LIMIT

    This is the balance you can carry, with interest
    • The amount above your credit limit is due in full each month as part of your minimum payment due
    • No overlimit fee, calls to make, or steps to take
    • No limit to the total amount of cash back you can get

    *The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors.

  • Card Membership Benefits

    Travel benefits image

    Purchase Protection

    When something you buy breaks or is stolen, Purchase Protection can have you covered. Use your Card for eligible purchases, and your purchases can be protected from accidental damage or theft for up to 90 days from the moment you buy them. Please read important exclusions and restrictions.

    Car Rental Loss and Damage Insurance

    When you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver at the rental car counter, you can be covered if the car is damaged or stolen. Please read important exclusions and restrictions. Not all vehicle types or rentals are covered. Coverage is available only within the United States, its territories, and possessions. This product provides secondary coverage and does not include liability coverage.

    Baggage Insurance Plan

    Travel more comfortably knowing you can be covered by the Baggage Insurance Plan for eligible lost, damaged, or stolen baggage when you purchase the entire fare for a Common Carrier ticket (e.g. plane, train, ship, or bus) on your eligible Card. Coverage can be provided for up to $1,250 for carry-on baggage and up to $500 for checked baggage. For New York State residents, there is a $10,000 aggregate maximum limit for all Covered Persons per Covered Trip. Please read important exclusions and restrictions.

    Global Assist® Hotline

    When you travel more than 100 miles from home, you have 24/7 access to medical, legal, financial or other select emergency coordination and assistance services, including medical and legal referrals, assistance with cash wires, passport replacement, missing luggage and more. Card Members are responsible for the costs charged by third-party service providers.

    Roadside Assistance Hotline

    Your car dies or blows a tire and you're stranded. Now what? Luckily you're a Card Member. With Roadside Assistance Hotline you can call us in case of emergency for reliable coordination and assistance service to help get you on your way. Third-party service costs are your responsibility. There are some vehicle exclusions and other important restrictions.

    Travel Accident Insurance

    Travel Accident Insurance can provide up to $100,000 in accidental death and dismemberment coverage while traveling on a Common Carrier (e.g. plane, train, ship, or bus) when the entire fare** has been charged to the eligible Card. Please read important exclusions and restrictions.

    Extended Warranty

    With Extended Warranty you can shop with less worry knowing the terms of the original manufacturer’s warranty can be extended up to one additional year. Applies to warranties of 5 years or less that are eligible in the U.S. Please read important exclusions and restrictions.

    More buying power. More cash back.

    The Card allows you to buy above your credit limit and get cash back on those purchases too - with no overlimit fees, calls to make or steps to take.* The amount above your credit limit is due in full each month as part of your minimum payment due.

    *The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors.

  • Benefits with Every Business Card from American Express OPEN

    ReceiptMatchSM

    ReceiptMatch is a feature available with your Business Card to help you manage your Card expenses by allowing you to add receipts, tags and notes to your transactions either via desktop or your mobile device.

    OPEN Savings®

    Your Business Card comes fully equipped with the OPEN Savings® benefit to give you extra value when you make eligible business purchases.

    Dispute Resolution

    If there is a fraudulent or incorrect charge on your statement, American Express will work with you to help resolve the issue.

    Account Alerts

    Set up Alerts so you can avoid late payments, be notified of irregular activity, or monitor Employee Card spending and more.

    Account Manager

    Assign a trusted employee or business partner to be an Account Manager on your Business Card account. They can handle tasks like reviewing statements, making payments, and disputing charges on your Business Cards, so you're free to focus on other aspects of your business.

    Online Statements

    View your purchase history, prepare reports to invoice customers, and budget your expenses.

    American Express Open benefits

    Mobile and Tablet Apps

    Pay your bill, check your balance, view your benefits, and more from your mobile phone and tablet. Our apps can make it easier to manage your Card account whenever it's convenient for you.

    OPEN Forum®

    You have ideas. OPEN Forum has articles and information to help you push them forward. Get tools and advice for growing your business from industry experts and other business owners.

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Need Help Applying?
  • Call to Apply 1-800-519-OPEN (6736)