The American Express SimplyCash Business Card is designed to meet the needs of the small business owner with good credit who wants a credit card with a cash rebate rewards program. Card holders earn cash bonus back rebates when they use the card to purchase gas, office supplies or pay their wireless bills. Regular rebates can be earned on all other purchases. These rebates are automatically credited to the cardholders account each billing cycle and there is no limit on earning rebates.

As part of the small business OPEN network, card holders have the opportunity to earn discounts on purchases made at participating merchants like FedEx, Hertz, with Delta airlines, Hyatt Hotels & Resorts and business supply stores. When they use their card to make purchases with these participating merchants, the savings get credited to the card holder's statement.

Additional benefits from American Express include purchase protections, travel accident insurance, baggage insurance plan, car rental insurance coverage, online account management and fraud protection guarantee with no liability for unauthorized purchases. Card holders have access to emergency card replacement services ID theft assistance, emergency check cashing services and the Global Assist Hotline when they travel more than 100 miles from their homes. Small business owners can order additional cards for their employees and the points they accumulate get credited to the primary account.

The low introductory rate for purchases is available for the first year, and there is another low rate for balance transfers if the transfer is initiated within the first six months of membership, and there is no annual fee.