We are an independent publisher. Our reporters create honest, accurate, and objective content to help you make decisions. To support our work, we are paid for providing advertising services. Many, but not all, of the offers and clickable hyperlinks (such as a “Next” button) that appear on this site are from companies that compensate us. The compensation we receive and other factors, such as your location, may impact what ads and links appear on our site, and how, where, and in what order ads and links appear. While we strive to provide a wide range of offers, our site does not include information about every product or service that may be available to you. We strive to keep our information accurate and up-to-date, but some information may not be current. So, your actual offer terms from an advertiser may be different than the offer terms on this site. And the advertised offers may be subject to additional terms and conditions of the advertiser. All information is presented without any warranty or guarantee to you.

This page may include: credit card ads that we may be paid for (“advertiser listing”); and general information about credit card products (“editorial content”). Many, but not all, of the offers and clickable hyperlinks (such as a “Apply Now” button or “Learn More” button) that appear on this site are from companies that compensate us. When you click on that hyperlink or button, you may be directed to the credit card issuer’s website where you can review the terms and conditions for your selected offer. Each advertiser is responsible for the accuracy and availability of its ad offer details, but we attempt to verify those offer details. We have partnerships with advertisers such as Brex, Capital One, Chase, Citi, Wells Fargo and Discover. We also include editorial content to educate consumers about financial products and services. Some of that content may also contain ads, including links to advertisers’ sites, and we may be paid on those ads or links.

For more information, please see How we make money.

Last Chance to Change Your 3% Category With AMEX SimplyCash

  • Million Mile Secrets

    • Signing up for credit cards through partner links earns us a commission. Terms apply to the offers listed on this page. Here’s our full advertising policy: How we make money.

    Update:   One or more card offers in this post are no longer available.  Check our Hot Deals for the latest offers. 

    It’s the time of year for fresh starts, new beginnings, and…changing your AMEX SimplyCash 3% cash back category!

    You have until January 31, 2016 to switch your 3% cash back to a different category.  If you still like the 1 you’ve chosen, do nothing.  It will stay the same as last year.

    Decisions, Decisions…Which AMEX SimplyCash 3% Cash Back Category Will You Choose This Year?

    I’ll remind you of your choices and help you pick the best 3% cash back category for your small business!

    What’s the Deal?

    Link:   AMEX SimplyCash

    Link:   My Review of the AMEX SimplyCash

    The AMEX SimplyCash is 1 of my favorite small business cards because it has terrific bonus categories and no annual fee!

    It currently has a $250 sign-up bonus after you spend $5,000 on purchases in the 1st 6 months of opening your account.  You’ll also get:

    You can choose 1 category from a list of 7 to earn 3% cash back up to a maximum of $25,000 in spending per year.  That’s up to $750 ($25,000 in spending X 3%).

    Choose the category that makes the most sense for your spending:

    If you don’t choose a category within the 1st 2 months of opening your account, the default is 3% cash back at US gas stations.  And once you’ve picked your category, you can only change it again between December 1 and January 31 each year.

    Pick a category where you don’t earn a bonus with your other cards!  Or you might want to select 1 based on where your small business spends the most.

    For example, folks who advertise, like dentists, lawyers, or real estate agents, might consider choosing US advertising in select media as their 3% cash back category.  If you have an eBay business, it likely makes the most sense to choose US shipping instead.

    You have less than 2 weeks left to decide.  Don’t forget to switch your AMEX SimplyCash category (if you want!) by January 31, 2016.

    Editorial Note: We're the Million Mile Secrets team. And we're proud of our content, opinions and analysis, and of our reader's comments. These haven’t been reviewed, approved or endorsed by any of the airlines, hotels, or credit card issuers which we often write about. And that’s just how we like it! :)