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
Insurance
Travel Insurance
There may be a daily maximum amount depending on the type of fees paid
Other Insurance
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
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2% cash back on grocery purchases
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2% cash back on gas purchases
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No annual fee
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5X points on groceries and dining
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Use your points as a statement credit on any purchase
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Transfer your points to airline and hotel partners
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2x PointsEarn 2 points for every $1 spend on Air Canada or Air Canada Vacations purchases*
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Air Canada BenefitsTravel companions (up to eight) travelling on the same reservation will all enjoy their first checked bag free*
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Preferred pricingRedeem fewer Aeroplan points when booking flight rewards*
Legal
American Express is not responsible for maintaining or controlling the accuracy of the information published on this website. For full and up-to-date product information, click on the Apply now link. Terms and conditions apply.