The AMEX SimplyCash Plus Card is closed to new applicants as of July 18th, 2019.

AMEX SimplyCash Plus Business Card Calculator

Card Details & AMEX Cash Back Calculator
5% Office Supply Stores
5% Wireless Telephone Services
3% Your Choice On 1 of 8 Categories

Calculate how much cash back you can earn using the American Express SimplyCash Plus Business Card and compare it side by side against top cash back cards.

Card No Longer Open To New Applicants.

The American Express SimplyCash Plus Business Card is a great choice for any business looking to earn big on both office supply stores and wireless telephone services. Along with earning on those categories, the card allows you to pick one category out of a list of 8 in which you want to earn 3% cash back in. This can be extremely useful if you do not already have a business card that covers a specific category from the list. Cash back earned with the SimplyCash Plus is automatically applied to your account as a statement credit.

Bonus Categories

The SimplyCash Plus Business Card features 3 bonus categories which consist of office supply stores, wireless telephone providers, and your choice of one additional category from a list of 8. The office supply stores and wireless telephone providers have their own combined spend cap of $50,000 per year and the additional category that you choose for the 3% earnings has it's own cap of $50,000 per year. Surpassing the cap will earn you cash back at the non-category rate for that set of categories for the remainder of the calendar year.

  • 5% U.S. Office Supply Stores
  • 5% U.S. Wireless Telephone Providers
  • 3%/1% Airfare (Booked Direct)
  • 3%/1% Hotel (Booked Direct)
  • 3%/1% Car Rentals (Booked Direct)
  • 3%/1% U.S. Gas Stations
  • 3%/1% U.S. Restaurants
  • 3%/1% U.S. Advertising
  • 3%/1% U.S. Shipping
  • 3%/1% U.S. Computer Hard/Software and Cloud Computing
  • 1% Non-Category
    • Categories not selected to earn 3% will earn at the non-category rate (1%).
    • Once the cap on the 5% categories are hit, you will earn at the non-category rate (1%) for the remainder of the calendar year.
    • Once the cap on the chosen 3% category is hit, you will earn at the non-category rate (1%) for the remainder of the calendar year.

Perks & Benefits

The AMEX SimplyCash business Card allows you to spend beyond your credit limit and features your standard AMEX Business Card benefits.

  • Spend Beyond Your Credit Limit
    • Card behaves like an NPSL (No Pre-Set Spending Limit).
    • Any spend over the limit will be due along with the minimum amount due.
  • AMEX Offers
  • AMEX Business Card Benefits
    • Expense Management Tools
    • Vendor Pay by
    • American Express Business App
    • Account Manager
  • Travel & Purchase Coverage
    • Car Rental Loss and Damage Insurance
    • Extended Warranty
    • Purchase Protection

Sign Up Bonus (SUB)

The SimplyCash Plus Business Card does not have a standard sign up bonus. Cardholders will receive a 0% introductory APR on purchases for the first 9 months.


Annual Fee

The SimplyCash Plus Business Card does not have an annual fee.

Authorized User Fee

There is no fee to add additional users to the SimplyCash Plus Business Card. This can be extremely helpful to build cash back faster in the several categories offered on this card without having to worry about extra fees for adding users.

Foreign Transaction Fee

The SimplyCash Plus Business Card has an authorized user fee of 2.7%. Using this card internationally would eat away at your earned cash back.

and Card Value Calculator

You can use this rewards calculator to calculate how many points, miles, or cash back you can earn based on your spend per category. This calculator will also give you the dollar value of the card based on rewards earned and how much each benefit is worth to you minus the fees. You can click the Compare A Card button to compare this card against another card in the same calculator.

All category spend entered in the primary card's column will carry over to all credit card pages on the site so you don't have to re-enter the same information over again.

Credit Card
This calculator will calculate the cash value of the selected credit card(s) based on spend, benefits, and fees. You can compare this card against any other rewards card side-by-side by clicking on the Compare A Card button.
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Categories Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value, +/- Categories to add and remove categories from the list, and Options to copy spend between columns and clear all spend.
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Search for categories and click 'Add Category' to add it to the calculator. If you want to be more specific, you can specify domestic or international spend.
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Add Categories On Card Change
When you add/change a credit card comparision, the categories missing from the newly added card will be added to the list of categories. Toggle this off to prevent such from happening.
Clear Spend/Mobile
Clear All Spend will clear the spend in all categories in both columns and all saved values (cookies). Clear Mobile will remove the mobile pay option from all categories in both columns.
Copy Spend
Copies all spend amounts and their units of time from one column to the other. Does not copy mobilepay indicator.
Total Earnings
The sum of all spend and bonuses above this line and the cash value of it all.
From Spending
From Bonuses
From Loyalty
Cash Value
Cash value of total earnings based on currency worth.
Monetary Bonuses & Fees
Cash bonuses, annual fees, authorized user fees, and any other listed fees.
Monetary Bonuses
Annual Fee
Auth User Fee
Cash Bonuses
Annual Fee
Auth User Fee
Grand Total
The total estimated value you can get out of this card and the amount of return for your spend.
Total Card Value
The value of the card based on spend, benefits, and fees.
Total Return
The percent you are earning based on spend, earnings, and fees.

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