Amex Cash Back Credit Cards: Up to $400 Bonus!
Cash Back Credit Cards
Cashback credit cards have their slot in our wallet for all our “other” purchases.
For example, with the two SimplyCash credit cards we present in this article:
Unlike a card like the American Express Cobalt® Card which offers accelerated earn rates on certain purchase categories (groceries, restaurants, bars, etc.), these two credit cards earn cash back at a flat rate for all your purchases.
| Credit card | Annual fee | Welcome offer | |
|---|---|---|---|
| $0 | |||
| $119.88 |
Carte sélecte RemiseSimpleMD d’American Express
La Carte sélecte RemiseSimpleMD d’American Express est la seule carte de crédit au Canada permettant d’obtenir 2 % de remise en argent sur tous les achats. En plus, vous pouvez obtenir :
- 4 % de remise en argent dans les stations-service
- 4 % de remise en argent dans les épiceries
Grâce à cette offre de bienvenue, vous pouvez obtenir 10 % de remise en argent sur tous vos achats (jusqu’à concurrence de 2 000 $) lors des 3 premiers mois, soit jusqu’à 200 $. De plus, recevez un crédit de 50 $ sur votre compte après avoir effectué un achat au cours du 13e mois.
La Carte sélecte RemiseSimpleMD d’American Express est particulièrement appréciée par celles et ceux qui ont d’importants achats à faire : rénovations, achats de meubles ou d’appareils électroménagers puisqu’elle offre 2 % dans tous les commerces.
Cette Carte se distingue par les nombreuses assurances offertes : vol et dommages pour voitures de location, accident de voyage de 100 000 $ , frais médicaux d’urgence (hors de la province ou du pays), perte ou vol de bagages, retard d’avion et bagages mal acheminés, cambriolage à l’hôtel ou au motel, Protection-Achat, Garantie-Achat.
Comme toutes les Cartes d’American Express Canada, aucun revenu minimum n’est exigé.
- Annual fee
- $119.88
- Our valuation
- $250Milesopedia first-year estimate First-year valueWelcome bonus$250Total$250Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
- Milesopedia first-year estimateFirst-year valueWelcome bonus$250Total$250Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
- Welcome offer
- Up to $250
on American Express's website
Apply with confidence — no impact on your credit scoreApply with confidenceCheck whether your application will be approved before you submit it, with no impact on your credit score*When you apply for a personal American Express Credit Card, we will tell you whether you are eligible without affecting your credit score. So you can apply with confidence.*Instant decisions are only available for consumer Card applications (also called “personal Cards”).
Carte RemiseSimpleMD d’American Express
Vous souhaitez une carte de crédit avec remise en argent sans frais annuels avec un excellent taux de remise pour vos achats courants ? Voici une option pour vous : la Carte RemiseSimpleMD d’American Express.
Avec cette carte de crédit sans frais annuels, vous obtenez :
- 2 % de remise en argent dans les stations-service
- 2 % de remise en argent dans les épiceries
- 1,25 % de remise en argent sur tous les autres achats
Et grâce à cette offre de bienvenue, vous pouvez obtenir une remise en argent de 5 % sur tous vos achats (jusqu’à concurrence de 2 000 $ d’achats) au cours des 3 premiers mois (soit jusqu’à 100 $ en crédits au compte).
Vous bénéficiez de plusieurs assurances : accident de voyage de 100 000 $, Protection-Achat, Garantie-Achat.
Comme toutes les Cartes d’American Express Canada, aucun revenu minimum n’est exigé.
- Annual fee
- $0
- Our valuation
- $100Milesopedia first-year estimate First-year valueWelcome bonus$100Total$100Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
- Milesopedia first-year estimateFirst-year valueWelcome bonus$100Total$100Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
- Welcome offer
- Up to $100
on American Express's website
Apply with confidence — no impact on your credit scoreApply with confidenceCheck whether your application will be approved before you submit it, with no impact on your credit score*When you apply for a personal American Express Credit Card, we will tell you whether you are eligible without affecting your credit score. So you can apply with confidence.*Instant decisions are only available for consumer Card applications (also called “personal Cards”).
An annual cash back
Cash back is redeemed once every calendar year.
You can check the cash back you earn, directly within your online account or on your statement.
American Express Benefits
Like all other American Express cards, SimplyCash credit cards allow you to enjoy many benefits reserved for cardmembers.
Front Of The Line Advance Access
Cardmembers can purchase presale tickets or make reservations to some of the most in-demand:
- concerts,
- theatre productions,
- the most popular restaurants and special events
Often before sales open to the general public.
Access to Front Of The Line reserved tickets
During the general sale period for many major events, Cardmembers can purchase Front Of The Line tickets for excellent seats reserved exclusively for American Express Cardmembers.
For example, in the facebook group of milesopedia, many American Express Cardmembers were able to benefit from this for future Celine Dion shows!
Front Of The Line News
Learn more at ticketmaster.ca/americanexpress. Sign up to receive Front Of The Line News and get lists of the most anticipated events delivered straight to your inbox.
Special Access for all Cardmembers
American Express Cardmembers can skip the lines with:
- American Express’ private entrance to the Budweiser stage
- relax in the American Express lounges at Budweiser Stage and Roy Thomson Hall
- enjoy express service at the American Express reserved bar at Massey Hall.
Special Offers & Experiences for all Cardmembers
Throughout the year, Cardmembers can purchase a variety of special offers created solely for American Express: movie screenings, getaway packages, or shopping…
Additionally, these cards give you access to new American Express online promotional offers, which are often very attractive!
Conclusion
Both SimplyCash credit cards are attractive to anyone who wants to earn cash back.
As a points and miles enthusiasts we apply for this card to:
- large purchases made outside the earn categories of other cards
- Purchase/extended warranty insurance
- Earn an exciting welcome bonus
These credit cards are also interesting if you do not have the income required by other cards: no minimum income is required.
Note that you get between 2% and 4% cash back for your gas and grocery purchases.
- Annual fee
- $119.88
- Our valuation
- $250Milesopedia first-year estimate First-year valueWelcome bonus$250Total$250Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
- Milesopedia first-year estimateFirst-year valueWelcome bonus$250Total$250Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
- Welcome offer
- Up to $250
on American Express's website
Apply with confidence — no impact on your credit scoreApply with confidenceCheck whether your application will be approved before you submit it, with no impact on your credit score*When you apply for a personal American Express Credit Card, we will tell you whether you are eligible without affecting your credit score. So you can apply with confidence.*Instant decisions are only available for consumer Card applications (also called “personal Cards”).
Frequently Asked Questions about American Express SimplyCash Cards
Here are frequently asked questions in the milesopedia community about this card.
Should I choose the SimplyCash or the SimplyCash Preferred?
The no-fee SimplyCash offers 2% on groceries and gas + 1.25% elsewhere, while the Preferred (with an annual fee) doubles the rates to 4% on groceries/gas + 2% everywhere else. The break-even point is around $5,000 to $6,000 in annual eligible spending: beyond that, the Preferred’s superior return easily covers the fee. For households spending $400+ per month on groceries and gas, the Preferred clearly wins; lighter consumers should stick to the no-fee version.
Are American Express cards widely accepted in Canada?
Acceptance has significantly improved. Loblaws, Sobeys, IGA, Metro, Esso, Shell, and most major restaurant chains now accept Amex. Costco, independent merchants, convenience stores, and some Quebec grocery banners (notably Maxi and Super C) still do not accept it, so most holders combine their Amex with a backup Visa or Mastercard. For SimplyCash users who shop mainly at major banners, acceptance is not a daily issue.
How is the welcome bonus paid out?
The SimplyCash Preferred offers up to $250 in cash back: 10% on the first $2,000 in purchases within the first 3 months (up to $200) plus a $50 credit in the 13th month if the account remains active. The no-fee SimplyCash offers up to $100 (5% on $2,000 in the first 3 months). All cash back is automatically applied as a statement credit, with no minimum redemption threshold or manual process. Credits appear on the monthly statement in the following cycle.
What insurance and benefits are included with the SimplyCash Preferred?
The Preferred includes $100,000 Travel Accident Insurance, Car Rental Theft and Damage coverage, Purchase Protection (90 days against theft, loss, and damage), and Extended Warranty doubling the manufacturer’s warranty for up to one additional year. Holders also unlock American Express Front Of The Line presales for concerts, theatre, and sports, plus Amex Experiences invitations. The no-fee SimplyCash offers similar protection but is slightly thinner on the travel side.
Our featured card
- Annual fee
- $119.88
- Our valuation
- $250Milesopedia first-year estimate First-year valueWelcome bonus$250Total$250Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
- Milesopedia first-year estimateFirst-year valueWelcome bonus$250Total$250Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
- Welcome offer
- Up to $250
on American Express's website
Apply with confidence — no impact on your credit scoreApply with confidenceCheck whether your application will be approved before you submit it, with no impact on your credit score*When you apply for a personal American Express Credit Card, we will tell you whether you are eligible without affecting your credit score. So you can apply with confidence.*Instant decisions are only available for consumer Card applications (also called “personal Cards”).
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