American Express

Amex SimplyCash

Start with up to $100 in bonus cash back.

Annual fee
$0
Reward type
Cash Back
Typical credit · 743+
Amex SimplyCash💸 No-Fee Cashback

Welcome bonus

New cardmembers can earn up to $100 in bonus cash back by completing the steps below.

How to earn it

  • Bonus 5% cash back on eligible purchases, up to $100 in bonus cash backSpend up to $2,000 on purchases within the first 3 months as a new SimplyCash Card from American Express Cardmember

Current or former Cardmembers with this Card are not eligible for this offer. Other terms apply.

How you earn

  • 2x cash back on eligible gas station purchases in Canada
  • 2x cash back on eligible grocery purchases in Canada
  • 1.25x cash back on all other eligible purchases

Built-in perks & coverage

No Annual Fee

No annual fee for the primary card or supplementary cards.

Welcome Bonus

Earn up to $100 in bonus cash back during the first 3 months as a new cardmember.

Cash Back Rewards

Earn cash back on eligible everyday purchases, including gas, groceries, and general spending.

Amex Experiences

Access exclusive ticket offers, virtual events, live performances, dining experiences, and more.

Travel Coverage

May include travel protection when eligible travel purchases are charged to the card.

Shopping Coverage

Eligible purchases may receive protection against accidental damage or theft for a limited period.

Amex Offers

Access targeted offers from participating merchants, including statement credits and special promotions.

Plan It Installment Program

Split eligible large purchases into fixed monthly payments with a fixed monthly fee.

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Refer a Friend Program

Eligible cardmembers can earn bonus cash back for approved referrals.

Instant Decision Application

Apply online and receive an instant decision with no impact to your credit score.

The verdict

What we like

  • No annual fee
  • Competitive cash back earn rates
  • Access to Amex Experiences
  • Access to Amex Offers
  • Purchase protection coverage
  • Extended warranty coverage
  • Instant decision with no impact to credit score

Worth noting

  • Annual grocery cash back cap
  • Limited insurance coverage
  • Limited merchant acceptance

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