The American Express® True Cashback Card

The American Express® True Cashback Card

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American Express · AMEX

The American Express® True Cashback Card is a credit card from American Express on the American Express network. It has an annual fee of S$174.40. It earns 1.50% on everything else. The welcome offer is 3% cashback (up to S$150) on spend in the first 6 months for new cardmembers.

Verified 4 Oct 2026

Key facts

Annual fee
S$174.40
Foreign transaction fee
3.25%
Network
AMEX
Welcome offer
3% cashback (up to S$150) on spend in the first 6 months for new cardmembers

Reward rates by category

Reward rates for the The American Express® True Cashback Card by spending category
CategoryRateDetail
Everything else1.50%Cashback on all eligible purchases, no minimum spend and no cap

Benefits and perks

  • Cashback is credited in the same month’s statement.
  • Travel inconvenience and accident cover of up to S$350,000 when you pay for the trip with the card.
  • First-year annual fee waived.

Questions about the American Express® True Cashback Card

What is the annual fee on the American Express® True Cashback Card?

The American Express® True Cashback Card has an annual fee of S$174.40.

What rewards does the American Express® True Cashback Card earn?

The American Express® True Cashback Card earns 1.50% on everything else.

Is the American Express® True Cashback Card worth it?

The American Express® True Cashback 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.

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