SimplyCash Card from American Express Review

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Get solid rewards for everyday spending with the no-annual-fee SimplyCash Card from American Express.

Earn 2.5% cash back on all eligible purchases in your first three months (up to a maximum spend of $6,000, or $150 in cash back).

19.99%

Purchase Interest Rate

$0

Annual Fee

Details

Product NameSimplyCash Card from American Express
Reward1.25% cash back rate on all purchases when your welcome offer ends. No cap
Welcome OfferEarn 2.5% cash back on all eligible purchases in your first three months (up to a maximum spend of $6,000, or $150 in cash back).
Required DepositN/A
Purchase Interest Rate19.99%
Cash Advance Rate21.99%
Balance Transfer RateN/A
Interest Free Period Up to 21 days
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30-second take

  • Get this card if you want to earn cash back on all eligible purchases and pay no annual fee.
  • Choose something else if you would rather pay an annual fee to receive more cashback rewards per dollar spent.

Key features

If you’re an avid shopper or want to get more bang for your buck on everyday purchases like groceries and gas, then SimplyCash Card from American Express might be the right fit for you.

  • Cash back. Earn 1.25% cash back on all eligible purchases.
  • Welcome offer. Earn 2.5% cash back on all eligible purchases in your first three months (up to a maximum spend of $6,000, or $150 in cash back).
  • Refer a friend. Refer a friend and earn a bonus of $50 cash back for each approved referral (up to a maximum bonus of $750 cash back per year).
  • Travel and shopping coverage. Provides extended warranty and insurance coverage on products purchased with your SimplyCash Card from American Express, along with complimentary $100,000 Travel Accident Insurance. T&C’s apply.
  • 24/7 Customer Service. Get help any time of the day, from Monday to Sunday.

Bonus features

  • Special offers and experiences. Access to memorable experiences with American Express Invites and Front of the Line services which includes the ability to purchase advance tickets or book reserved seating for in-demand entertainment and special access for Budweiser Stage, Roy Thomson Hall and the American Express bar at Massey Hall.
  • Custom entertainment packages. Get first dibs on packages created exclusively for American Express card holders, including deals on weekend getaways, advance screenings of blockbuster movies and online and in-store shopping promotions.
  • World class service. Dial into customer service 24/7 by calling the number on the back of your card. Use this service to report fraudulent charges, cancel or replace lost or stolen cards or find answers to any number of questions that might come up along the way.
  • Free Additional Cards. Up to 9 additional cards at no extra cost. Purchases made on these cards will add to your annual cash back balance.

What to watch out for

  • Not as widely accepted overseas. The SimplyCash™ Credit Card is an American Express card, which means you might not be able to use it overseas as easily as you would a Visa or Mastercard.
  • Penalty APR. Making late or returned payments could saddle you with an APR as high as 23.99% - 26.99% Variable on all balances.

What do other customers say?

Most customers are happy with the perks and benefits on offer from the SimplyCash Card from American Expresss. The fact that the card is fee-free and no-nonsense, with a flat cash-back rate and a ton of exclusive add-ons makes signing up for this card a no-brainer for Canadians from all walks of life. Many cardholders also praise the top-notch customer service provided by American Express.

What should I know before I apply

  • How to apply

    1. Click Go to site on this page to be securely directed to the American Express website.
    2. Select the SimplyCash Card from American Express and click Apply now to begin your application.
    3. Complete the application with details that include your name, email address, social insurance number and birth date.
    4. Review and submit your application.

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    Name Product Purchase Interest Rate Cash Advance Rate Annual Fee Minimum Income Benefits with this card Description
    SimplyCash Preferred Card from American Express
    19.99%
    21.99%
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    SimplyCash Card from American Express
    19.99%
    21.99%
    $0
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    1.25% cash back rate on all purchases when your welcome offer ends. No cap
    Earn 2.5% cash back on all eligible purchases in your first three months (up to a maximum spend of $6,000, or $150 in cash back).
    loading

    Compare up to 4 providers

    Name Product Purchase Interest Rate Cash Advance Rate Annual Fee Minimum Income Benefits with this card Description
    SimplyCash Card from American Express
    19.99%
    21.99%
    $0
    N/A
    1.25% cash back rate on all purchases when your welcome offer ends. No cap
    Earn 2.5% cash back on all eligible purchases in your first three months (up to a maximum spend of $6,000, or $150 in cash back).
    American Express AIR MILES Gold Business Card
    19.99%
    21.99%
    $0
    N/A
    Earn 1 AIR MILE for every $15 spent on eligible purchases at AIR MILES Sponsors, and earn 1 AIR MILE for every $20 spent on eligible purchases elsewhere
    Earn a Welcome Bonus of 150 AIR MILES when you spend at least $1,000 in eligible purchases within the first three months
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    How long will it take to be approved?

    Depending on whether or not your application requires manual review, you will receive a response in 60 minutes to 10 days.

Bottom line

The SimplyCash Card from American Express offers a no-nonsense, top of the line cashback card. If you’re looking to get more bang for your buck without the hefty annual fee, then this card might be right up your alley.

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