SimplyCash® Card from American Express

Welcome Bonus
Up to $100 cash back
  • 2% cash back on grocery purchases
  • 2% cash back on gas purchases
  • No annual fee
Annual Fee
$0
Interest rates
Purchase Rates
21.99%
Cash Advance Rates
21.99%
Balance Transfer Rates
New SimplyCash American Express Card
SimplyCash® Card from American Express
Up to $100 cash back
Apply Now

Offer

  • During your first 3 months of membership with the SimplyCash® Card from American Express, you can earn a bonus of 5% cash back on all your purchases (up to $2,000 in purchases). This offer is in addition to your everyday cash back rates. That's up to $100 in bonus cash back.
  • Earn 2% cash back on eligible purchases at Canadian gas stations, 2% cash back on eligible purchases at Canadian grocery stores (up to $300 cash back per year), and 1.25% cash back on all other eligible purchases.
  • Access events and special offers curated for Cardmembers with Amex ExperiencesTM
  • Insurance coverage and 24/7 Customer Service

Apply with confidence!

  • See if you’ll be approved before you apply – with no impact to your credit score.*
  • When applying for a new card, businesses will typically run a “hard check” of your credit report. A hard credit check can cause a temporary impact to your credit score.
  • Unlike many lenders, for American Express’ personal cards, you can see if you will be approved before you apply without impacting your credit score
  • A soft credit check is a check into your credit report initiated either by you or a company even if you didn’t apply for credit. It is primarily used to screen for pre-approval financing offers or for a background check
  • Available for American Express personal cards, we’ll let you know your eligibility with no impact to your credit score, so you can submit your application with confidence.*

*Instant decisions are only available for Consumer (also known as Personal) Card applications.

Fees & Conditions

Personal Income $0
Household Income $0
Annual Fee $0
First Additional Card $0
Foreign Transaction Fee 2.5%

Value

Calculate the rewards
Your Monthly Spending
Year 1
Year 2+
Welcome Bonus
0 $
Annual Credit
Travel benefits
VIP Lounges
First year offer value
Rewards Earned
Annual fee
Net value

Advantages

Earnings

Per dollar of purchases

All Spending 1.25 %
Groceries 2 %
Gas 2 %
Dining and Food delivery 1.25 %
Convenience Stores 1.25 %
Drugstores 1.25 %
Local Transport 1.25 %
Travel 1.25 %
Entertainment 1.25 %
Recurring Payments 1.25 %
Telecom/Internet 1.25 %
Streaming services 1.25 %
Online transactions 1.25 %
Office Supplies 1.25 %

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

This section sets out the maximum coverage amounts or periods. Please review your insurance certificate for details, exclusions and limitations of your coverage, terms and conditions apply.

Other Insurance

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

Our review

Are you looking for a cash back credit card with no annual fee and an excellent cash back rate for your everyday purchases? Here is an option for you: the SimplyCash® Card from American Express.

With this no-annual-fee credit card, you earn:

  • 2% cash back on gas purchases
  • 2% cash back on grocery purchases
  • 1.25% cash back on all other purchases

And with this welcome offer, you can earn 5% cash back on all your purchases (up to $2,000 in purchases) during the first 3 months (which is up to $100 in statement credits).

You benefit from several types of insurance : $100,000 travel accident, Purchase Protection, Purchase Security.

Like all American Express Canada Cards, there is no minimum income requirement.

Frequently Asked Questions

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