The American Express SimplyCash® business card utilizes a fairly common rewards program. Earning categories are designed to benefit typical small business owners, offering cash back incentives on basic operational necessities. The cash back percentages are solid, considering there is no annual fee, nor is there an annual fee on additional cards for your employees. However, purchases above $12,000 in each category per reward year will earn only 1% cash back. It is worth pointing out that other business rewards cards, such as the Chase Ink Cash credit card offer rewards-eligible purchases up to $25,000. Another feature worth noting is the introductory APR, depending on your credit worthiness, the intro purchase APR is 0% for up to 12 months. So, if you anticipate making investments in the near future, the SimplyCash® business card will provide flexibility to pay down these debts over time without accruing interest charges.