SimplyCash® Card from American Express
AMERICAN EXPRESSCash back on everyday spending
SimplyCash® Card from American Express
6.9Canada Cards ScoreGoodEarn up to $100 in bonus cash back
Why get this card
- ✓No annual fee
- ✓Earn 2% on gas
Pros
- +No annual fee
Cons
- -High 21.99% purchase interest rate
- -No insurance coverages captured
Earn rates
- Gas2%
2% cash back
- Grocery2%
2% cash back
- Everything else1.25%
1.25% cash back
Welcome offer
Earn up to $100 in bonus cash back
- Bonus points
- —
- Minimum spend
- $2,000
- Spend window
- 90 days
- Offer ends
- —
Earn a bonus 5% cash back on all purchases (up to $2,000 in purchases) in the first 3 months as a new SimplyCash Cardmember, up to $100, on top of everyday cash back earn rates. Current or former Cardmembers with this Card are not eligible.
Fees
- Annual fee
- No fee
- Additional card
- —
- Foreign transaction fee
- —
No annual fee
Interest rates
- Purchase APR
- 21.99%
- Cash advance APR
- 21.99%
- Balance transfer APR
- —
- Grace period
- —
- Rate effective date
- —
Benefits & insurance
- Lounge access
- —
- Insurance coverages
- —
Redemption & eligibility
- Reward currency
- Cash back
- Redemption options
- Statement credit
- Transfer partners
- —
- Min. personal income
- —
- Min. household income
- —
How we scored it
6.9Good- Everyday earn rateWeight 30
2% on Gas
- Welcome valueWeight 25
No current welcome offer
- Annual-fee valueWeight 20
No annual fee
- Benefits depthWeight 15
0 insurance coverages
- Interest costWeight 10
21.99% purchase APR
Our editorial rating, computed only from sourced figures. See the full methodology.
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Learn before you apply
Frequently asked
- Is the SimplyCash® Card from American Express worth it?
- It carries a No fee annual fee. No annual fee. Compare it against similar cards below before deciding.
- What is the annual fee and interest rate on the SimplyCash® Card from American Express?
- The annual fee is No fee. The purchase interest rate is 21.99% and the cash advance rate is 21.99%. These are sourced from American Express's official page.
- What rewards does the SimplyCash® Card from American Express earn?
- It earns up to 2% on gas, in Cash back. See the full earn-rate breakdown above.
More ways to compare
Official sources
Every figure on this page comes from American Express's own pages. Last checked 2026-06-13.
Cited, never sponsored
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