Offer
- Take advantage of a 12.99% interest rate, if you choose to carry a balance and make your minimum monthly payments on time.
- No annual fee
Fees & Conditions
Value
Earnings
Per dollar of purchases
Insurance
Travel Insurance
Other Insurance
Our review
With the American Express Essential™ Credit Card, you can take advantage of a 12.99% low-interest-rate, if you choose 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 has no annual fee and allows you to take advantage of the American Express Installment Program (Plan It) to choose a portion of your statement balance to pay in monthly installments.
With the American Express Essential™ Credit Card, you are covered with a $100,000 Travel Accident Insurance, an additional year warranty with the Buyer’s Assurance® Protection Plan and a 90-day Purchase Protection Plan.
Finally, as an American Express Essential™ Credit Cardmember, 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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