SimplyCash® Business Credit Card from American Express
5% cash back at U.S. office supply stores. 5% cash back on wireless telephone services purchased directly from U.S. service providers. 3% cash back at U.S. gas stations. 1% cash back on other purchases. Terms and limitations apply.¹ 5% and 3% apply to purchases up to $12,000 in each of the 3 industry categories per year. Cash back earned is automatically credited to your statement.

  • 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
Designed to earn points faster.
24/7 Service & Support
On-Call Support and Dedicated Business Consultants who spend the time to help you solve your business needs.
Access to Purchase & Travel Benefits
Access to Purchase Protection2, Extended Warranty3, Travel Accident Insurance4, Car Rental Loss and Damage Insurance5, and other benefits and services.
Online Tools & Resources
Articles and tips for small businesses at OPEN Forum® and online statements to manage spending.
Apply by phone: 1-866-534-OPEN (6736)
Learn More | Terms & Conditions | Not a Business Owner?

1 You will earn a rebate for eligible purchases on your American Express SimplyCash® Business Credit Card. The rebate you earn is based on a percentage of the eligible purchase you make during each billing period and will be automatically credited to your account as statement credit. The rebate will appear on the second billing statement after the billing statement with the eligible purchases. You will not receive the rebate if your Card account is cancelled or in default at the time of fulfillment. For each rebate year (a rebate year is 12 billing periods, starting with the one that includes February 1), you will earn a rebate of 5% on your first $25,000 (1% thereafter) of combined eligible purchases made on monthly wireless telephone services purchased directly from wireless telephone service providers in the U.S. (purchases of hardware and equipment, and purchases from third parties and resellers, are excluded) and at office supply stores located in the U.S. (office supplies purchased at other retail stores are excluded); 3% on your first $25,000 (1% thereafter) of eligible purchases made in the category that you select (see below for more on the available categories and how to make your selection), 1% thereafter; 1% on all other eligible purchases. If your billing cycle changes, the length of your rebate year will also change.
Eligible purchases are purchases for goods and services minus returns and other credits. Eligible purchases do NOT include fees or interest charges, balance transfers, cash advances, purchases of travelers checks, purchases or reloading of prepaid cards, or purchases of other cash equivalents. Additional terms and restrictions apply.
You may select your 3% rebate category from the following seven categories: (1) airfare purchased directly from airlines, (2) hotel stays (excluding timeshares, banquets and events), (3) purchases from select major car rental companies listed at americanexpress.com/rewards-info, (4) purchases at U.S. gas stations, (5) purchases at U.S. restaurants, (6) U.S. purchases for shipping, or (7) U.S. purchases for advertising in select media. For more details on these categories including important terms and limitations, please go to americanexpress.com/rewards-info. You may select your 3% rebate category from the list described above within the first two months of Card Membership. Thereafter, you can change your selection during the annual selection period which runs from December 1st to January 31st each year. You can only change your category once annually. You can make your category selection by either calling the number on the back of your card or going to open.com/cashback. Once you make your selection, it will be applied retroactively back to the first day of the billing period in which your selection is made. If you do not make a selection during the initial enrollment period, you will receive your 3% rebate on purchases at U.S. gas stations. If you do not change your election during the annual selection period, your category will remain the same as the previous year. Only the Basic Card Member or Authorized Account Manager may make the selection and their selection will apply to purchases made by all Card Members on the account.
Merchants are assigned codes based on what they primarily sell. A purchase will not earn a higher percentage rebate if the merchant's code is not eligible. Purchases made through a third-party payment account or on an online marketplace (with multiple retailers) will not earn a higher percentage rebate. A purchase may not earn a higher percentage rebate if the merchant submits the purchase using a mobile or wireless card reader or if you use a mobile or digital wallet.

2 Purchase Protection is underwritten by AMEX Assurance Company, Administrative Office, Phoenix, AZ under Policy AX0951, Policy AX0952, Policy AX0956, or Policy PP-IND. For residents of GU, MP, FM, MH, and PW, the Plan is underwritten by Tokio Marine Pacific Insurance Limited, Hagatna, Guam under Policy CRCB000000105. Coverage is determined by the terms, conditions, and exclusions of the Policies applicable to your Card and is subject to change with notice. This document does not supplement or replace the Policy. Shipping and handling costs for the purchase will not be refunded. Certain purchases are not covered, e.g. items lost by Card Member, consumable and perishable items, motorized vehicles, items stolen from a motor vehicle, and items damaged partially or entirely by natural disaster or normal wear and tear. Other important exclusions apply. You will only be reimbursed for the amount charged to your eligible Card; coverage is limited up to $1,000 per occurrence; not to exceed $50,000 per Card Member account per calendar year. You may be required to send the purchased item to us, in which case we will reimburse you for shipping cost. To be eligible for claim payment, your account must be in good standing. This product provides secondary coverage. This means it pays eligible benefits not paid by any primary insurance that you have. For full Terms and Conditions, see americanexpress.com/PPterms.

3 Extended Warranty is underwritten by AMEX Assurance Company, Administrative Office, Phoenix, AZ under Policy AX0953, Policy AX0954, Policy EW-AX0958, or Policy EW-IND. For residents of GU, MP, FM, MH, and PW, the Plan is underwritten by Tokio Marine Pacific Insurance Limited, Hagatna, Guam under Policy CRCB000000104. Coverage is determined by the terms, conditions, and exclusions of the Policies applicable to your Card and is subject to change with notice. This document does not supplement or replace the Policy. Shipping and handling costs for the purchase will not be refunded. Certain purchases are not covered, e.g. items with physical damage, damage as a result of natural disaster, software, motorized devices and vehicles and their parts. Other important exclusions apply. You will only be covered up to the amount charged on your eligible Card; coverage is limited up to a maximum of $10,000 per occurrence; not to exceed $50,000 per Card Member account per calendar year. You may be required to send the purchased item to us, in which case we will reimburse you for shipping cost. This product is in excess of other warranty plans that you have in place for the eligible item. To be eligible for claim payment, your account must be in good standing. For full Terms and Conditions, see americanexpress.com/EWterms.

4 Travel Accident Insurance is underwritten by AMEX Assurance Company, Administrative Office, Phoenix, AZ under Policy AX0948, Policy AX0949, or Policy TAI-AX0955. For residents of GU, MP, FM, MH, and PW, the Plan is underwritten by Tokio Marine Pacific Insurance Limited, Hagatna, Guam under CRCB000000106. Coverage is determined by the terms, conditions, and exclusions of the Policies applicable to your Card and is subject to change with notice. This document does not supplement or replace the Policy. To be covered, you must pay the Entire Fare** with your eligible Card on a Common Carrier (e.g. plane, train, ship, bus, except charters). Entire Fare** means the cost of the full fare for a Covered Trip on a Common Carrier. You can pay for all of the cost in U.S. dollars, or use both dollars and American Express Membership Rewards® Points. But if you use frequent flyer miles or points from another program to pay for all or part of the fare, you will not be covered, except for New Hampshire residents. Please read important exclusions and restrictions. To be eligible for claim payment, your account must be in good standing. For full Terms and Conditions, see americanexpress.com/TAIterms.
**Definition of entire fare differs for residents of New Hampshire. See full Terms and Conditions for details.

5 Car Rental Loss and Damage Insurance is underwritten by AMEX Assurance Company, Administrative Office, Phoenix, AZ under Policy AX0925, Policy AX0926, Policy CRLDI-AX0927, or Policy CRLDI-IND. For residents of GU, MP, FM, MH, and PW, the Plan is underwritten by Tokio Marine Pacific Insurance Limited, Hagatna, Guam under Policy CRCB000000101. Coverage is determined by the terms, conditions, and exclusions of the Policies applicable to your Card and is subject to change with notice. This document does not supplement or replace the Policies. Car Rental Loss and Damage Insurance is an excess insurance plan and will reimburse the Card Member only for losses/expenses not covered by other plans and when the Card Member uses their Card to reserve and pay for the entire auto rental. Coverage applies for the first 30 days of an auto rental and when rented from a Car Rental Company. This product provides collision damage to the rented vehicle but does not cover such things as personal injury or personal liability, damages to other vehicles or property, or injury to other persons. This policy does not cover some vehicles, e.g. full-sized sport utility vehicles, off-road vehicles, cars with an original manufacturer's suggested new retail price of USD $50,000 or more, and exotic cars, as described in the Terms and Conditions. Not all vehicle types or rentals are covered. Coverage is available only within the United States, its territories, and possessions. To be eligible for claim payment, your account must be in good standing. For full Terms and Conditions, see americanexpress.com/CRLDIterms.