American Express Essential™ Credit Card  🇨🇦

Welcome Bonus
No Welcome Offer
Annual Fee
$25
Interest rates
Purchase Rates
12.99 %
Cash Advance Rates
12.99 %
Balance Transfer Rates

carte de credit essentielle american express
American Express Essential™ Credit Card
No Welcome Offer
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Offer

  • Take advantage of a 12.99% interest rate, if you choose to carry a balance and make your minimum monthly payments on time.

Fees & Conditions

Personal Income $0
Household Income $0
Annual Fee $25
First Additional Card $0
Foreign Transaction Fee 2.5%
Purchase Rates 12.99%
Cash Advance Rates 12.99%

Insurance

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
$100,000
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance

There may be a daily maximum amount depending on the type of fees paid

Other Insurance

Insurance Name
Included
Amount
Duration
Extended Warranty
1 year
Purchase Protection
90 day(s)
Mobile Device Insurance
Price Protection

Our review

With the American Express Essential™ Credit Card, you can get a low-interest rate of 12.99 % if you decide to carry a balance and make your minimum monthly payments on time. It is one of the best low-interest-rate credit cards in Canada.

In addition, this low-interest credit card allows you to take advantage of the American Express installment plan (Plan It) to pay a portion of your statement balance in monthly installments.

With the American Express Essential™ Credit Card, you get $100,000 in travel accident insurance, an additional year of Buyer’s Assurance Protection Plan and a 90-day Purchase Protection Plan.

Finally, as an American Express Essential™ Credit Card holder, you can take advantage of exclusive American Express offers for statement credits on select purchases and American Express online travel services.

Alternative Cards

3.7 Milesopedia Rating