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By amondalek
September 19, 2016
SimplyCash Plus Business from American Express

Cards that are “best for maximizers” are for those who aren’t afraid to carry a few different cards to pump up their rewards.

WHY IT WINS

The SimplyCash Plus Business card delivers the most generous rewards on a wide and flexible range of typical business spending, without an annual fee. You’ll earn 5% cash back at office-supply stores and cell phone providers, and 3% in a category you choose, up to $50,000 apiece in yearly spending. Your options range from computing equipment and cloud services to advertising costs.


CAVEATS

You will need to purchase directly from vendors (for example, the airline or the computer company) to get cash-back rewards. There is no signup bonus. Outside the bonus categories, you get just 1%, so switch to a free flat-rate card like Spark Cash Select.


TERMS

Rewards: 5% cash back at office supply stores and cell service providers; 3% back on any one of the following categories: airfare, hotel rooms, restaurants, car rentals, gas stations, advertising, shipping purchases, and computer equipment and cloud computing; 1% back on all else.
Annual fee: $0
APR: 0% for nine months, then 12.5% to 19.5%.

Advertiser Disclosure

Money has partnered with CardRatings.com and ConsumersAdvocate.org, among other companies, for our coverage of credit card products. Money, CardRatings.com, and ConsumersAdvocate.org may receive a commission from card issuers. For example, Money receives a commission from Citi when you apply and are approved for a Citi product through the links on this site.

Opinions expressed here are the author's alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

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