American Express Essential™ Credit Card
American Express · AMEX
The American Express Essential™ Credit Card is a credit card from American Express on the AMEX network. It has an annual fee of C$25.
Key facts
- Annual fee
- C$25
- Purchase APR
- 12.99% on purchases and funds advances
- Network
- AMEX
Benefits and perks
- Buyer’s Assurance® Protection Plan 2+
- Purchase Protection® Plan 3+
- $100,000 Travel Accident Insurance 4+
- Fixed monthly fee 8,9
- Allows for flexibility and control
- Learn more about Plan It™ at amex.ca/installments
- Low annual interest rate of 12.99% Take advantage of a 12.99% interest rate, if you choose to carry a balance and make your minimum monthly payments on time.
- Access unforgettable experiences Enjoy exclusive ticket access, virtual events, live performances and more with American Express® Experiences.
- Shop with confidence Benefit from coverage that can help protect your eligible card purchases – from your favourite local boutique to your online shopping cart.
- Save on interest payments with an interest rate of 12.99%
- Get more flexibility when paying off your balance
- Access to Amex Experiences™
Rates and fees
Annual membership fee: C$25. Purchase APR: 12.99% on purchases and funds advances, based on creditworthiness and the Prime Rate. Cash advance APR: 12.99%.
Rates and fees as published by the issuer and recorded on 10 Sept 2026. See the issuer's terms for current rates. View the issuer's terms
Questions about the American Express Essential™ Credit Card
What is the annual fee on the American Express Essential™ Credit Card?
The American Express Essential™ Credit Card has an annual fee of C$25.
Is the American Express Essential™ Credit Card worth it?
The American Express Essential™ Credit Card is worth it when the rewards you would earn on your own spending exceed its annual fee. Upload a statement to Woodo and the calculation runs against your real categories rather than an assumed budget.
Community
Approval and real earn reports from cardholders are coming to this page soon.
More from American Express
Not sure this is the right card for you?
Upload a credit card statement and Woodo works out what you actually spend by category, then ranks every card in the catalog against your own numbers. No bank login needed.
Upload a statement