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IVA Information Debt IVA UMBRELLA COMPANIES |
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| SimplyCash® Business Card | |||||
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Issuer:American Express Credit requirement:Good credit required. Earn 5% cash back on office supplies and wireless services. Earn 3% cash back on automobile gas purchases of up to $12,000 per year; 1% thereafter. Earn 1% on cash back on virtually all other purchases Cash back is automatically credited to the statement each month No fee with the flexibility to pay in full or carry a balance 0% introductory APR for UP TO 12 months OPEN Savings®: Automatic discounts with FedEx, Delta®, Courtyard by Marriott®, and more Additional Cards have no annual fee Earn 5% cash back on office supplies and wireless services. Earn 3% cash back on automobile gas purchases of up to $12,000 per year; 1% thereafter. Earn 1% cash back on virtually all other purchases with the American Express SimplyCashSM Business CardNo fee with the flexibility to pay in full or carry a balance Additional SimplyCashSM Business Card benefits:
OPEN® the small business team at American Express is all about small business. It provides you the resources to help you run your business, including:
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Credit Card Terminology Tidbits
Annual Percentage Rate (APR): This number is a measure of the cost of credit, expressed as a yearly rate. It must be disclosed before you become obligated on the account and on your account statements. Annual Fee: The fee charged for your card on a yearly basis. Depending on issuer some credit card providers may charge an annual fee, typically below the $50 dollar range, nevertheless some choose not to charge any amount. This latter type is called the no annual fee credit card. Balance Transfer Fee: A fee for transferring balances from another card to this card, if any. Debit Card: Payment card whose funds are withdrawn directly from the cardholder's checking account at the time of sale (online debit) or after the batch settlement occurs (off-line debit). Cardholder: Any person who holds a payment card account. Grace period: The number of days you have to pay your bill in full without triggering any finance charges. With most plans, the grace period applies only to purchases; cash advances and balance transfers may start accruing interest immediately.
Transaction Fees and Other Charges: Some issuers charge a fee if you use the card to get a cash advance, make a late payment,
or exceed your credit limit. Some charge a monthly fee whether or not you use the card.
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