The American Express Credit card is one of the most valued credit cards and only people associated with top corporate houses and high net worth are privy to AMEX cards. There are various kinds of cards that are issued by American Express.  The cards are segregated into personal cards, small business, corporate and gift cards. Most of the cards come without an annual fee and there are exclusive reward program with many of the cards. The American Express SimplyCash (SM) Business Card is a great card for small businesses. The card has many excellent features such as 5% cash-back on gas, office supplies and wireless services. The card also offers 1% cash back on all other purchases. The card also offers a 0% introductory APR on all purchases for the first 12 months and a competitive APR after that. The cash back is shown as credit every month in the statement. Like any other credit cards, this one also has the option to pay in full or carry over the balance to the next month. You can either choose this one or any other American Express card. There are different cards to suit individual preferences and you can choose the one that best suits your requirement.