Pros
- ✓Welcome Bonus: $100
- ✓Purchase protection included
- ✓No annual fee
Cons
- ✗Foreign Transaction Fee (2.5%)
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.
Rewards
All Spending
1.25x
Cash Back pts per dollar
Gas
2x
Groceries
2x
Credit Card Rewards Calculator
See how much you could earn with this card based on your spending.
Cashback earned
$342
$/yr
Estimated Value
$342
After Fees
+$342
1st Year Value
$442
incl. welcome bonus
Annual rewards breakdown
Travel Insurance
Travel Accident
Up to $100,000
Purchase Protection
Purchase Protection
Included
Extended Warranty
+1 year(s)
Interest Rates
- Purchase Rate21.99%
- Cash Advance21.99%
- Foreign Transaction Fee2.5%
Terms & Conditions
Card Features
- 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.
FAQ
Where can I use the SimplyCash® Card from American Express in Quebec or Canada?
You can use your SimplyCash® Card from American Express at grocery stores like IGA, Metro, Super C, Safeway, Whole Foods, your convenience store Couche-Tard or 7Eleven, your favourite gas station like Esso, Shell, Petro-Canada, or any travel provider!
What are the cashback ratios for this card?
2% on gas and grocery purchases, and 1.25% on other eligible purchases.
What special benefits does the card offer?
Access to American Express Experiences for exclusive events and offers.
What insurance is included with the card?
Insurance coverage and 24/7 customer service.
What are the card annual fees?
No annual fee, nor for additional cards.
Are there any fees for foreign currency transactions?
Yes, 2.5% on these transactions.
Legal
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