SimplyCash™ from American Express

SimplyCash™ from American Express

A credit card with no annual fee earning 1.25% cash back on all purchases. No annual cash back limit.

Take advantage of this limited-time welcome offer!

Welcome Bonus

Up to 200 $ cash back

Best For

Year 1


Years 2 and +


Annual Fee


Interest rates
Purchase Rates

19.99 %

Cash Advance Rates

21.99 %

Balance Transfer Rates

Your Monthly Spending


  • New SimplyCash™ from American Express Cardmembers can earn 4% cash back on purchases (up to $200 cash back) for the first 6 months of Cardmembership
  • Earn 1.25% cash back on purchases when your Welcome Rate ends
  • No limit to the amount of cash back you can earn after your Welcome Rate ends
  • Access virtual events and special offers curated for Cardmembers with American Express® Experiences
  • Insurance coverage and 24/7 Customer Service

Fees & Conditions

Personal Income $0
Household Income $0
First Additional Card $0
Foreign Transaction Fee 2.5%
Purchase Rates 19.99%
Cash Advance Rates 21.99%


Year 1
Years 2 and +
Welcome bonus
0 $
Annual credit
Travel benefits
VIP lounges
First-Year Offer Value
Accumulated rewards
Annual fee
Net value

Reward points value

We have established a valuation of the reward point in cents for each loyalty program. More information on the points valuation page.

First-year value

For all credit cards offers, we estimate the value of the welcome offer (bonus, annual fee rebate) in the first year, plus the value of the rewards earned based on your purchases entered in the calculator for the six categories:

  • Grocery
  • Gas/Transit
  • Meals
  • Travel
  • Bills
  • Other purchases

First-Year Net Value = Welcome Bonus Value + Benefits (Annual Credit, VIP lounges, etc.) + Earned Rewards First-Year Annual Fee

Value of subsequent years

For the value of subsequent years, we consider the earned rewards based on your purchases indicated in the calculator and any benefits offered.

Subsequent years’ net value = Earned Rewards + Benefits (Annual Credit, VIP lounges, etc.) Annual fee

VIP lounges:

For credit cards with complimentary airport lounge access, this benefit is calculated as follows:

  • 1 access = $35
  • Unlimited access = $350 (the value of 10 annual visits)


Welcome Bonus Up to $200 cash back
Minimum Spending Required $5,000
Minimum Spending Timeframe 180 day(s)


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


Common Carrier Travel Accident Insurance Amount $100,000
Common Carrier Travel Accident Insurance
Purchase Protection - Amount $1,000
Purchase Protection - Duration 90 day(s)
Extended Warranty
Extended Warranty - Duration 1 year
Insurance Document Learn More


4 Milesopedia Rating