SimplyCash Card from American Express
Cash Back No Annual Fee

SimplyCash Card from American Express

American Express(Canada) American Express(Canada)
Welcome Bonus: 5% cash back bonus (up to $100)
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Annual Fee $0
Purchase APR 21.99%
Cash Advance 21.99%
Bonus Value $100

RateBuddy Verdict

The Good
  • The 1.25% flat cash back rate is significantly higher than most no-annual-fee cards in Canada.
  • Includes a generous 5% welcome bonus for the first 3 months to help build initial rewards.
  • Access to premium Amex perks like Front Of The Line® even with a $0 annual fee.
The Trade-offs
  • The 2% grocery cash back rate is capped at $300 in total cash back per year.
  • Very basic insurance coverage; lacks travel medical or rental car protection found on the Preferred version.

Rewards & Earnings

Groceries 2%
Dining 1.25%
Gas 2%
Travel 1.25%
Recurring Bills 1.25%
Base Rate 1.25%
Rewards Summary: Earn 2% cash back on eligible gas and grocery purchases in Canada; 1.25% cash back on all other purchases with no limit.

Welcome Bonus Details

Earn 5% bonus cash back for the first 3 months. Earn 2% on gas and groceries thereafter. No annual fee.

Estimated Value: $100

Features & Benefits

No Annual Fee
No annual fee for life
Extended Warranty Insurance
Buyer's Assurance extends warranty 1 year
Purchase Security Insurance
Purchase Protection for 90 days
Special Event Access (e.g., Front Of The Line)
Front Of The Line® access
Common Carrier Accident Insurance
Travel Accident Insurance up to $100,000

Insurance Coverage

Includes $100,000 Travel Accident Insurance, Purchase Protection (90 days), and Buyer’s Assurance (extends warranty up to 1 year).

Rates, Fees & Eligibility

Purchase APR21.99%
Cash Advance APR21.99%
Annual Fee$0
Grace Period21 days
Income Required No specific requirement listed.
Recommended Credit Score—

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Filed Under

Cash Back No Annual Fee
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