Independent ClearFin review · American Express
Full earn rates, fees and benefits for the Amex SimplyCash.
Offers can change without notice
Certificate terms apply
💸 No-Fee CashbackA no-fee cash-back card with accelerated gas and grocery earning and a stronger-than-basic 1.25% return elsewhere. The grocery cap and annual payout timing are the main tradeoffs. Its strongest published earn rate in our data is 2.0% on groceries. With no annual fee, it can be easier to keep long term without needing rewards to offset a yearly cost.
Checked 2026-08-09 · Official product pageIssuer promotions change frequently. Check the card's official page before applying.
Confirm final approval criteria and current rates directly with the issuer.
Applicants typically have the strongest approval odds with a good to excellent credit profile.
ClearFin estimate on Canada's 300–900 scale. This is not an issuer cutoff or approval guarantee; lenders may use different bureau scores and underwriting criteria. This is an estimated approval range based on industry data and cardholder reports. American Express does not publish a minimum credit score requirement, and approval decisions consider additional factors such as income, credit history, existing debt, and payment history.
Earning capEligible grocery purchases in Canada earn 2% cash back until $300 in annual grocery cash back has been earned.
Earning capEligible gas station purchases in Canada earn 2% cash back.
Earning capAll other eligible purchases earn 1.25% cash back.
Redemption values and availability may vary by option and can change.
Cash back is posted as a credit to the card account annually, on the September statement.
Consider these extras by the value they add to purchases and experiences you already use.
No annual fee
There is no annual fee for the primary card or supplementary cards.
Amex Offers
Eligible cardmembers can register for targeted merchant offers in Online Services or the Amex app.
3 coverages listed. Key terms are summarized below; full certificate terms apply.
Up to $100,000 for eligible accidental death or dismemberment when common-carrier tickets are fully charged to the card.
Eligible purchases can be covered for theft or accidental physical damage for 90 days, up to $1,000 per occurrence.
May extend an eligible manufacturer's warranty by up to one additional year.
Coverage is subject to eligibility, exclusions, limits, payment requirements, and claim rules in the insurance certificate.
What we like
Worth noting
A practical reading of where the card earns, what the fee buys, and which limits matter.
A no-fee cash-back card with accelerated gas and grocery earning and a stronger-than-basic 1.25% return elsewhere. The grocery cap and annual payout timing are the main tradeoffs.
Groceries, Gas receive the strongest estimated return at 2.0%. Purchases outside the accelerated categories earn an estimated 1.3%.
There is no annual fee to recover, which can make the card easier to keep for credit-history length or occasional use. Interest and other transaction fees can still apply.
This card is most relevant for someone who spends consistently on groceries and gas and prefers to avoid a yearly fee.
Compare the purchase interest rate, foreign-transaction fee, approval requirements, reward limits, and insurance certificates. Pay particular attention to merchant-category rules because a store may not receive the reward rate its products appear to suggest.
Issuer terms apply. ClearFin is not affiliated with this provider. How we make money. Card facts were checked against the issuer's official source. Card terms were checked against the issuer's official product page.
