SimplyCash® Card from American Express
American Express · AMEX
The SimplyCash® Card from American Express is a credit card from American Express on the AMEX network. It has an annual fee of C$0. It earns 2% on gas & fuel, 2% on groceries, 1.25% on everything else. The welcome offer is Make it happen with a bonus of up to 5% cash back. Earn a bonus 5% cash back on purchases in your first 3 months (up to $2,000 in purchases). That’s on top of your everyday cash back earn rates.
Key facts
- Annual fee
- C$0
- Purchase APR
- 21.99% on purchases and 21.99% on funds advances
- Network
- AMEX
- Welcome offer
- Make it happen with a bonus of up to 5% cash back. Earn a bonus 5% cash back on purchases in your first 3 months (up to $2,000 in purchases). That’s on top of your everyday cash back earn rates.
Reward rates by category
| Category | Rate | Detail |
|---|---|---|
| Gas & fuel | 2% | 2% cash back On gas |
| Groceries | 2% | 2% cash back On grocery |
| Everything else | 1.25% | 1.25% cash back On everything else |
Benefits and perks
- New SimplyCash® Card from American Express Cardmembers can earn 4% cash back on purchases (up to $150 cash back) for the first 6 months of Cardmembership
- Earn 1.25% cash back on purchases when your Welcome Rate ends
- $100,000 Travel Accident Insurance 6+
- Buyer’s Assurance® Protection Plan 7+
- Purchase Protection® Plan 8+
- Refer a friend and you could earn bonus cash back As an eligible Basic Cardmember, you could earn up to a maximum annual referral bonus of $375 cash back for approved referrals.
- Access unforgettable experiences Enjoy exclusive ticket access, virtual events, live performances and more with American Express® Experiences.
- Earn up to 2% cash back on eligible gas and grocery purchases
- Earn 1.25% cash back on everything else
- Travel & Shopping coverage
Rates and fees
Annual membership fee: C$0. Purchase APR: 21.99% on purchases and 21.99% on funds advances, based on creditworthiness and the Prime Rate. Cash advance APR: 21.99%.
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 SimplyCash® Card from American Express
What is the annual fee on the SimplyCash® Card from American Express?
The SimplyCash® Card from American Express has an annual fee of C$0.
What rewards does the SimplyCash® Card from American Express earn?
The SimplyCash® Card from American Express earns 2% on gas & fuel, 2% on groceries, 1.25% on everything else.
Is the SimplyCash® Card from American Express worth it?
The SimplyCash® Card from American Express 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