Amex
SimplyCash Plus Business
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Card review
SimplyCash Plus Business
Amex
Last updated September 22, 2026· Rates, fees, and credits from WalletFlo's OneCard catalog (refreshed hourly). Verify current terms on the issuer site.
Annual fee
$0
Welcome bonus
See issuer
Est. net value
$256/yr
Credit score
Varies
Top earn rate
3x everything else
Overview
How this card fits in your wallet — fees, value, and who it's built for.
The SimplyCash Plus Business from Amex carries no annual fee. On WalletFlo's typical spend profile, the OneCard engine estimates $255.60 in rewards plus $0.00 in credits and perks — $255.60 net per year before welcome bonuses.
How the points work
Earn 5% cash back at U.S. office supply stores and on wireless telephone services purchased directly from U.S. service providers and you can also choose to earn 3% cash back on the category of your choice from a list of eight categories:
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
U.S. computer hardware, software, and cloud computing purchases made directly from select providers
5% and 3% apply to the first $50,000 in purchases per calendar year, then 1% applies thereafter.
Earning rates
Category bonuses from our catalog — verify current offers on the issuer site.
| Category | Rate |
|---|---|
| Everything elseAirfare | 3× |
| Everything elseAll Purchases | 1× |
Transfer partners
Where this card's points can go, and at what ratio. 13 partners.
- Air Canada Aeroplan1:1
- Air France KLM Flying Blue1:1
- British Airways Avios1:1
- Emirates Skywards1:1
- Iberia Plus1:1
- JetBlue TrueBlue1:1
- Singapore KrisFlyer1:1
- Southwest Rapid Rewards1:1
- United MileagePlus1:1
- Virgin Atlantic Flying Club1:1
- World of Hyatt1:1
- IHG One Rewards1:1
- Marriott Bonvoy1:1
Work out what a transfer is worth in the transfer calculator.
Is the annual fee worth it?
Quick breakeven from stated credits and perks — open the full tool to dig deeper.
This card has no annual fee
Focus on whether the earn rates and welcome offer beat cards you already carry — use the reward calculator below for net value on your spend.
WalletFlo calculator tools
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Reward Calculator
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Side by Side Compare
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Is the Annual Fee Worth it?
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Points & Miles → $ Converter
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Awards vs Cash Calculator
Compare redeeming points for travel vs cash back.
Transfer Partner Calculator
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Reward calculator
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Frequently asked questions
- What credit score do I need?
- Issuers generally look for good-to-excellent credit; exact thresholds vary.
- Is the annual fee worth it?
- There's no annual fee — focus on whether the earn rates beat cards you already carry.