SimplyCash™ from American Express

SimplyCash™ from American Express

The Best No-Fee Cash Back Credit Card in Canada. Earn 1,25% cash back with no limit to the amount of cash back you can earn.

For a limited time, earn 2.5% cashback in your first 3 months (up to $150 cashback) with this offer!



Welcome Bonus

up to $150 cash back

Best For

Annual Fee



  • New SimplyCash™ Card from American Express Cardmembers can earn 2.5% cash back on purchases (up to $150 cash back) for the first 3 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 to memorable experiences with American Express Invites®
  • Insurance coverage and 24/7 Customer Service *

Fees & Conditions

Foreign Transaction Fee 2.5%
Purchase Rates 19.99%
Cash Advance Rates 21.99%


Welcome Bonus up to $150 cash back
Rewards Type Cash Back
Loyalty Program Cashback
All Spending 1.25
Travel 1.25
Local Transport 1.25
Restaurants 1.25
Groceries 1.25
Convenience Stores 1.25
Gas Stations 1.25
Pharmacies 1.25
Office Supplies 1.25
Telecom/Internet 1.25
Food Delivery 1.25
Entertainment 1.25
Recurring Payments 1.25



For all the credit card offers, we estimate the first year Offer Value according to:

  • Value of the Cashback or Points earned with the Offer
  • Value of the Benefits or travel credits earned with the Offer
  • Annual fee offer (first-year rebate or not)


Offer Value calculation
for the first-year
Point Value (according to milesopedia) 1.0 ¢
Welcome Offer Value $150
Annual fee $0
Estimated Value ≈ $150



Common Carrier Travel Accident Insurance
Common Carrier Travel Accident Insurance Amount $100000
Common Carrier Travel Accident Insurance Details Up to $100,000 of Accidental Death and Dismemberment Insurance covers you, your spouse and dependent children under the age of 23 when any of you travel on a common carrier (plane, train, bus or ship) and charge your tickets to your card. Supplementary Cardmembers, their spouses and dependent children under age 23 are also covered.
Purchase Protection
Purchase Protection - Duration 90
Purchase Protection - Amount $1000
Purchase Protection - Details You can be insured for eligible items charged to your Card for 90 days from the date of purchase in the event of accidental physical damage or theft for up to $1,000 per occurrence (for all purchased items combined).
Extended Warranty
Extended Warranty - Details Your coverage can automatically extend the manufacturer’s original warranty up to one additional year when you fully charge eligible items to your Card.
Extended Warranty - Duration 1
Insurance Document Learn More