Amex has an attractive new business card, the SimplyCash Business Card, that offers 5% cash back on gas, office supplies, and wireless services, and 1% cash back on everything else, with no cap to the rewards you earn. You also don’t have to wait until the end of the year to receive your cash back, as it’s credited to your statement each month. In addition, there is a 0% intro APR for the first 12 months with no annual fee.
Category Archives: Business Cards
This tidbit comes from our friends at FT. American Express is now offering a business version of their popular SPG Amex. It looks to feature largely the same benefits as the personal card, namely a 10000 points signup bonus, and one Starpoint per dollar of spending which is doubled at participating Starwood properties. There are a couple of differences, however:
- As part of the OPEN Savings Program, there are some discounts at select retailers such as AT&T, FedEx and Hertz
- According to the linked thread from FT, as a business card, the Purchase protection has a lower per instance limit, but offers Primary CDW for rental cars in the US
As with the personal card, there is a $30 annual fee, which is waived for the first year. To apply, visit this link.
Edit: The terms for this offer may have changed. For the latest terms of the SPG business card or to apply, see this link.
From FT, the United MP Visa is now offering 25000 miles after you spend $250, and is waiving the first year’s annual fee. 25000 Mileage Plus miles are enough for a free round-trip ticket within the USA and Canada. This offer is good for both the personal and business versions of the card.
Edited 10/22/2010: The offer above has expired. To view the current United Mileage Plus promos, see the following links:
I personally find this offer very interesting. Well, not so much the offer itself, but the manner in which to get it. This thread at FW points out that for the Citi Business card, you can get an extra 5000 bonus Thank You points (for a total of 15000) when you signup if you pretend you don’t really want the card at first. As the poster states:
went to apply for citi business (the one with 10000 bonus) hit back button on my browser, and got a popup offering another 5000 if i don’t back out and go apply, as in 15000 total bonus points to sign up just because i almost didn’t
More accurately, if you apply on Citi’s web site itself (http://www.citicards.com), click on the Small Business Credit Cards link, then click the “Apply Now” button for the CitiBusiness Card with ThankYou Network, it will create another window with the application. If you then close that window, another popup will appear, offering you another 5000 points for completing the application. Such is the world of marketing that we live in today.
On a side note, when I first tried to test this, I was using Firefox with my pop up blocker automatically turned on, so the popup didn’t show. You’ll need to disable any popup blockers you have in order to see this offer.
The offer for the Business version of the Citi PremierPass has been sweetened a bit, now giving 15,000 Thank You Points after first purchase, redeemable for a $150 gift card. Other features of this offer include:
- No annual fee for the 1st year, $75 after that
- 0% APR on balance transfers for 12 months (0% does not apply to purchases or cash advances)
The usual features of the card apply:
- 3 points for every dollar you spend on eligible business purchases
- 1 point for airline tickets you buy, plus every mile you or your employees fly on any airline
- 1 point for every dollar you spend on purchases
- Redeem for travel on any airline, merchandise and gift cards
- No blackout dates
For more details or to apply, see this link.
Open a new Bank of America small business credit card account online by June 16, 2006 and you’ll receive a $50 gift check in about 50 days after approval.
This new card from Discover warrants some discussion. Its features include:
- 5% Cashback Bonus on your first $2,000 in office supply purchases
- 2% on your first $2,000 in gas purchases
- 1% on all other purchases in excess of $5,000
- 0.25% on your first $5,000 in other purchases
- Fee-free PurchaseChecks that earn Cashback Bonus and come with the same rate and payment grace period as your Card
- Pay bills or suppliers (excluding rent/mortgage and payroll) that don’t accept credit cards
- Get the same competitive rate and payment grace period as your Card
- Earn Cashback Bonus on every check
- Use them with confidence—you’re protected with $0 fraud liability guarantee
When reading these bullet points, a few things pop out at first glance. Because of the limitations on office supplies and gas purchases and the fact that you only earn 1% after you’ve spent $5,000, you’ll be required to spend at least $1,000 on other spending that earns only 0.25%. Combine this with the fact that there are many other 5% cash back cards for office supplies and gas (eg, Advanta Business), and the cash back component of this card is not attractive.
What is intriguing are the “PurchaseChecks” that allow you to pay bills that otherwise could not be paid via credit card and earn cash back. Since the promotional material explicitly states that you aren’t supposed to use them to pay rent/mortgage or payroll with the checks, you would assume that some sort of auditing must be done. Unfortunately more details are not supplied on the web site. Depending upon how this feature is actually implemented, this feature alone might make this card worthwhile for some. Comments from readers who get this card on this aspect would be most welcome.
For more details or to apply for the card, see this link.
The folks in charge of marketing the SkyMiles cards have sure been busy lately. Other recent offers include a 5,000 mile rewenal bonus and a 25,000 bonus miles signup promotion. The latest offer, as spotted by FW, is double miles on all eligible purchases between June and August for Delta Business SkyMiles cardmembers:
Visit http://americanexpress.com/deltabonus or call 1-800-653-6051
Note that the link somehow is connected to the old 20% bonus offer, either you could wait until they update the link or you could call them to enroll.
TERMS AND CONDITIONS:
Enrollment required by 08/31/06. If you prefer to enroll by phone, please call 1-800-653-6051. The double miles will be applied to the total dollars of spend posted to your account from 06/01/06 to 08/31/06. Please allow 6-8 weeks after the promotion for the bonus miles to be posted to your Delta SkyMiles account. This offer is available to Delta SkyMiles Business Credit Cardmembers only. Cardmembers who earn Always Double Miles?will continue to earn Double Miles for eligible purchases. To be eligible to receive bonus miles, Cardmember’s account must be active and not in default at time of bonus fulfillment. Balance transfers, Express Cash, and U.S. Savings Bonds transactions do not apply. Bonus miles for this offer are limited to 20,000 miles. Promo Code H250:0001. All SkyMiles program rules apply. To review the rules, visit http://www.delta.com/skymiles.
The URL for this promotion is not active yet, as enrollment begins June 1, 2006.
Amex Business Cards: Get a $40 Statement Credit For Paying Two Cable, Satellite, DSL or Internet Bills Before 7/31
Most AMEX Business Cardholders should be automatically enrolled in this targeted promotion. As described on FW:
We’ll credit your Business Card Account $40 when you pay your cable, satellite, DSL or Internet bill twice with your Card between May 1 and July 31, 2006.
More information about AMEX automatic bill pay can be found at: http://open.americanexpress.com/apb88.
Here’s another offer for the AMEX Business Gold, this time offering a cash incentive and a low spending threshold, as reported by FW:
- Get a $50 statement credit when you spend $100 until August 31, 2006*
- Fee-free for your first year — a savings of $125
- Bonus $50.00 applies to any purchase over $100.00 made between 4/24/06 and 8/31/06, and will appear as a statement credit on your Card account. The maximum credit available is $50.00 per account.
In addition, you can earn bonus points during your first year:
- 5,000 bonus points with your first purchase, to welcome you as a Cardmember
- 5,000 bonus points as a thank-you for reaching $20,000 in spending
- 20,000 more bonus points for reaching $50,000 in spending
- 10,000 additional bonus points for your one-year Card renewal
The direct link to this offer is here. AMEX have been sending out some targeted invitations in the recent past to people offering up to 50,000 points for making only three charges on this card, so this offer pales in comparison to that, but has the advantage of not being targeted.