--> --> Amex SimplyCash Review: Are These Credit Cards Worth It? | creditcardGenius --> --> -->   App Exclusive: $175 GeniusCash on a travel card with up to 100K bonus points! Download Now × 5 Hello! Sign In $150 Cash Back Compare Credit Cards Compare Credit Cards Compare Credit Cards Find Your Credit Card Quick Compare Top Credit Card Deals No Fee First Year Free Credit Card Quiz By Type Rewards Low Interest Balance Transfer Business Student Prepaid By Rewards Cash Back Travel Air Miles Aeroplan Store Grocery Reviews American Express Cobalt: Award-Winning. Limit-Pushing. Unmatched. BMO Ascend World Elite: Travel Rewards Reach New High American Express Gold Rewards: Your Ticket to Luxury TD® Aeroplan® Visa Infinite: Your Best Card for Air Canada Perks MBNA Rewards World Elite: Canada's Best Kept Secret BMO AIR MILES®† Mastercard: Groceries today. Getaways tomorrow. GeniusCash credit cards = more cash in your pocket! 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Hard Credit Check How To Protect Your Credit Score Must Read Best Instant Approval Credit Cards ‒ From No Credit To Excellent Credit Credit Cards For Bad Credit Secured Credit Cards Tangerine Money Back Credit Card KOHO Prepaid Mastercard Review Credit Card Quiz creditcardGenius Disclosure creditcardGenius receives a referral fee for some credit cards listed; however, our comprehensive and math-based algorithm solely dictates the results of our rating system. Our ratings and rankings are strictly independent of compensation. Click to read our detailed disclosure . Our disclosure Amex SimplyCash Review: Are These Credit Cards Worth It? Written by creditcardGenius Team   updated on Jul 9, 2025 Fact Checked Fact Checked Accuracy is important to us so this article has gone through a thorough 3-stage review process and fact-checked by our team. Most credit card issuers offer cards designed to maximize cash back opportunities, and American Express is no exception. The SimplyCash ® Card from American Express and SimplyCash ® Preferred Card from American Express cards are a few of Amex’s most popular cards for good reason. Both cards come with a nice welcome bonus and offer great earn rates, but how do they differ? And how do these cards stack up against the competition? Below, we review these two cash back cards and compare them with some of the most popular cash back cards from Scotiabank and Tangerine, so you can find the card that’s the best fit for you. In this article SimplyCash Card from American Express vs. SimplyCash Preferred Card from American Express SimplyCash Card from American Express vs. Tangerine Money-Back Credit Card SimplyCash Preferred Card from American Express vs. Scotia Momentum Visa Infinite Card Are they worth it? FAQ Never miss an amazing deal again + get our bonus 250+ page eBook for FREE . Join 50,000 other Canadians who receive our weekly newsletter – learn more . Amex SimplyCash vs. SimplyCash Preferred SimplyCash Card from American Express SimplyCash Preferred Card from American Express Annual Fee $0 $119.88 Income Requirements None None Earn Rate * 2% cash back on gas * 2% cash back on groceries (up to $300 cash back annually) * 1.25% cash back on all other purchases * 4% cash back on gas and groceries * 2% cash back on all other purchases Welcome Bonus 5% cash back for the first 3 months, up to $2,000 in spend 10% cash back for the first 3 months, up to $2,000 in spend. Plus, earn $50 when you make a purchase on month 13 Insurance Coverages 3 types 10 types Apply Now Apply Now Apply Now It’s quite easy to compare the SimplyCash Amex cards, as there are several key differences. Think of the SimplyCash Card from American Express as the basic option – there’s no annual fee and you have the opportunity to earn up to 5% back in your first 3 months of using the card. After that, your standard earn rate is: 2% cash back on gas 2% cash back on groceries (up to $300 cash back annually) 1.25% cash back on all other purchases You won’t get an extensive insurance package, just: Extended warranty Purchase protection Travel accident insurance Overall, though, this is a great starter card for people who don’t want to pay an annual fee, prefer a straightforward cash back card, or may not meet the income requirements of other cards. SimplyCash ® Card from American Express 4.6 Genius Rating 4.0 (23) User reviews Up to 5% cash back + Get a minimum of 1.25% back on purchases. * Annual fee See rates Learn more Welcome bonus $71 ◊ 5% cash back Annual rewards $350 ◊ Learn more Apply Now Learn More Instant approval: Yes Credit estimate: SimplyCash ® Card from American Express 4.6 Genius Rating 4.0 (23) User reviews Up to 5% cash back + Get a minimum of 1.25% back on purchases. * Annual fee See rates Learn more Welcome bonus $71 ◊ 5% cash back Annual rewards $350 ◊ Learn more Credit estimate:  (660 - 724) Apply Now Learn More Instant approval: Yes Rewards Details & Eligibility Genius Rating User Reviews Pros & Cons Show More Rewards Details & Eligibility Genius Rating User Reviews Pros & Cons On the other hand, if you don’t mind paying an annual fee, you can earn cash back faster and enjoy more benefits through the SimplyCash Preferred Card from American Express might be the way to go. For a $120 annual fee, you’ll earn: 4% cash back on gas and groceries 2% cash back on all other purchases That’s twice as much as the basic card, and the welcome bonus is larger too. You’ll have the opportunity to earn up to 10% cash back on spending in your first 3 months of using the card. And get 10 types of useful insurance coverage, making it a better card if you travel frequently. SimplyCash ® Preferred Card from American Express 4.4 Genius Rating 3.8 (24) User reviews Up to 10% cash back + A minimum of 2% back on purchases. * Annual fee See rates Learn more Welcome bonus $199 ◊ 10% cash back + $50 Annual rewards $612 ◊ Learn more Apply Now Learn More Instant approval: Yes Credit estimate: SimplyCash ® Preferred Card from American Express 4.4 Genius Rating 3.8 (24) User reviews Up to 10% cash back + A minimum of 2% back on purchases. * Annual fee See rates Learn more Welcome bonus $199 ◊ 10% cash back + $50 Annual rewards $612 ◊ Learn more Credit estimate:  (725 - 759) Apply Now Learn More Instant approval: Yes Rewards Details & Eligibility Genius Rating User Reviews Pros & Cons Show More Rewards Details & Eligibility Genius Rating User Reviews Pros & Cons Both cards give you access to unique Amex perks and benefits like Front Of The Line and Amex Offers , which include advance access to events and bonus rewards or discounts. Plus, both cards give you access to the Amex Membership Rewards Program, so you can redeem your points for travel, point transfers, and gift cards (in addition to cash back). SimplyCash vs. Tangerine Money-Back Tangerine Money-Back Credit Card 4.4 Genius Rating 3.4 (79) User reviews ×1 Award winner $120 GeniusCash + Up to $100 bonus cash back * + No annual fee. * Annual fee $0.00 Learn more Welcome bonus $106 ◊ 11.13% cash back Annual rewards $273 ◊ GC Ends: Dec 14, 2025 GC: $120 I Want This Deal Learn More Instant approval: Yes Credit estimate: Tangerine Money-Back Credit Card GC: $120 4.4 Genius Rating 3.4 (79) User reviews 1x Award winner $120 GeniusCash + Up to $100 bonus cash back * + No annual fee. * Annual fee $0.00 Learn more Welcome bonus $106 ◊ 11.13% cash back Annual rewards $273 ◊ GC Ends: Dec 14, 2025 Credit estimate:  (725 - 759) I Want This Deal Learn More Instant approval: Yes Rewards Details & Eligibility Genius Rating User Reviews Pros & Cons Show More Rewards Details & Eligibility Genius Rating User Reviews Pros & Cons Let’s compare 2 no-fee cash back cards: the SimplyCash Card from American Express and Tangerine Money-Back Credit Card. SimplyCash Card from American Express Tangerine Money-Back Credit Card Annual Fee $0 $0 Income Requirements None $12,000 personal Earn Rate * 2% cash back on gas * 2% cash back on groceries (up to $300 cash back annually) * 1.25% cash back on all other purchases * 2% cash back on purchases in up to 3 Money-Back Categories * 0.5% cash back on all other purchases Welcome Bonus 5% cash back for the first 3 months, up to $2,000 in spend Earn an extra 10% cash back for the first 2 months, up to $1,000 spent Insurance Coverages 3 types 2 types Apply Now Apply Now Apply Now Both cards allow you to earn up to 2% cash back, but in different ways. You’ll get 2% back on gas and groceries (up to a limit) with Amex, but Tangerine allows you to choose 2 spending categories to earn 2% back – 3 categories if you have a Tangerine bank account. Here are the cash back categories, proving that Tangerine offers much more flexibility: Still, the Amex card has a better earn rate for all other purchases since you’ll get 1.25% cash back compared to Tangerine’s 0.5%. The SimplyCash card also edges out the Money-Back card when it comes to insurance since it also includes up to $100,000 in travel accident insurance. If you’re looking for a card that earns you Amex Membership Rewards , you’ll probably want to choose the SimplyCash card. If the rewards program doesn’t interest you but flexibility in earning rewards does, you’ll probably want to go for the Tangerine card. SimplyCash Preferred vs. Scotia Momentum Visa Infinite Scotia Momentum ® Visa Infinite * Card 4.4 Genius Rating 3.2 (77) User reviews $20 GeniusCash + 10% cash back on purchases for 3 months + 4% cash back on groceries. * Annual fee $120.00 $0 1st year waived Welcome bonus $159 ◊ 10% cash back Annual rewards $498 ◊ GC Ends: Dec 31, 2025 GC: $20 I Want This Deal Learn More Instant approval: Yes Credit estimate: Scotia Momentum ® Visa Infinite * Card GC: $20 4.4 Genius Rating 3.2 (77) User reviews $20 GeniusCash + 10% cash back on purchases for 3 months + 4% cash back on groceries. * Annual fee $120.00 $0 1st year waived Welcome bonus $159 ◊ 10% cash back Annual rewards $498 ◊ GC Ends: Dec 31, 2025 Credit estimate:  (725 - 759) I Want This Deal Learn More Instant approval: Yes Rewards Details & Eligibility Genius Rating User Reviews Pros & Cons Show More Rewards Details & Eligibility Genius Rating User Reviews Pros & Cons If you don’t mind paying an annual fee, you might consider the SimplyCash Preferred Card from American Express option or the Scotia Momentum Visa Infinite Card. These cards charge around $120 per year, but Scotia waives its fee for the first year. SimplyCash Preferred Card from American Express Scotia Momentum Visa Infinite Card Annual Fee $119.88 $120 (waived for the first year) Income Requirements None $60,000 personal or $100,000 household Earn Rate * 4% cash back on gas and groceries * 2% cash back on all other purchases * 2% cash back on purchases in up to 3 Money-Back Categories * 0.5% cash back on all other purchases Welcome Bonus 10% cash back for the first 3 months, up to $2,000 in spend. Plus, earn $50 when you make a purchase on month 13 Earn an extra 10% cash back for the first 2 months, up to $1,000 spent Insurance Coverages 10 types 2 types Apply Now Apply Now Apply Now Since earn rates are important, we’ll start there. Although the earn rate is similar, it helps to compare the cards with an example. Let’s imagine you spend $2,000 a month across a variety of spending categories. Here’s how the rewards shake out. SimplyCash Preferred Card from American Express Scotia Momentum Visa Infinite Card Spend Category Monthly Spend Amount Earn Rate Annual Rewards Earn Rate Annual Rewards Grocery 350 4% $168 4% $168 Gas 200 4% $96 2% $48 Bills 300 2% $72 4% $144 Others 1,150 2% $276 1% $138 Total 2,000 $612 $498 Annual Fee $119.88 $120 Total Return $492 $378 The SimplyCash Card from American Express card comes out ahead , largely thanks to earning at least 2% everywhere. It also comes out on top when you compare welcome bonuses since the card gives you up to $50, while the Scotia bonus is only $159. Both cards give you your cash back once a year, in September (Amex) or November (Scotiabank). The cards are also similar in terms of insurance coverage, but the SimplyCash Preferred Card from American Express offers a few additional included coverages. The biggest differences in the cards might actually come down to eligibility. The SimplyCash Preferred Card from American Express doesn’t have income requirements , while the Scotia card imposes steep requirements of either $60,000 personal income or $100,000 household. If you’re a frequent Costco or Loblaws shopper, be aware that you won’t be able to use the SimplyCash Preferred Card from American Express there. You might occasionally find that small businesses also refuse to take American Express Are Amex SimplyCash cards worth it? Overall, you’ve got a couple of solid cash back options with the SimplyCash cards. We love that people have both a no-fee and premium option, both of which provide access to the Amex Membership Rewards program. That said, if you don’t plan on using your credit card for gas or groceries, we’d recommend choosing the Tangerine Money-Back Credit Card since it puts you in control of picking the higher-earning categories.. FAQ What credit score do I need for Amex SimplyCash? Although Amex doesn’t publish credit score requirements, we estimate you’d need between 725 and 159 to qualify for the SimplyCash Card from American Express . For the SimplyCash Preferred Card from American Express , you'll need a score between 660 and 724. Does Costco take Amex? While Costco used to have a partnership with Amex, it no longer accepts these cards. Now, Costco only accepts Mastercards, and it partners with one of Canada's largest banks to offer the CIBC Costco Mastercard and CIBC Costco World Mastercard . What is the best Amex card in Canada? While we didn’t feature it in this list, the American Express Cobalt Card consistently ranks #1 in Canada. It offers the best earn rate, a huge welcome bonus, excellent insurance coverage, and high-value redemption options. creditcardGenius is the only tool that compares 126+ features of 227 Canadian credit cards using math-based ratings and rankings that respond to your needs, instantly. Take our quiz and see which of Canada's 227 cards is for you. Did you find this article helpful? Yes No Editorial Disclaimer : The content here reflects the author's opinion alone. No bank, credit card issuer, rewards program, or other entity has reviewed, approved, or endorsed this content. For complete and updated product information please visit the product issuer's website. Our credit card scores and rankings are based on our Rating Methodology that takes into account 126+ features for each of 227 Canadian credit cards. Hot Credit Card Deals This Month Hot Credit Card Deals This Month: Get even more cash back with exclusive offers only available on the GeniusCash app Explore bigger GeniusCash offers that you won't find anywhere else. Connect your credit cards and unlock bonus cash on your spending that you won't get anywhere else. Explore customized recommendations to help you find the best products to level up your rewards. Be the first to know about new, limited-time GeniusCash offers so that you never miss a deal. Refer your friends and family to earn bonus levels and extra cash back. Up to 90,000 100,000 bonus points + 4 free lounge passes per year + $125 GeniusCash Earn up to 5x the points on purchases. 90,000 100,000 point welcome bonus worth up to $670. Includes a Mastercard Travel Pass membership with 4 free passes.. Annual fee of $150, which is waived for the first year. $125 GeniusCash on approval ‒ offer ends Dec 31, 2025. * Earn up to 165,000 bonus points + First year annual fee rebate + $20 GeniusCash Earn up 165,000 TD Rewards points as a welcome bonus. Earn 8 points per $1 spent on travel through Expedia For TD. Earn 6 points per $1 spent on groceries and restaurants. Annual $100 travel credit for use at Expedia For TD. $20 GeniusCash on approval ‒ offer ends Nov 30, 2025. * 0% interest for 12 months with Canada's #1 balance transfer promotion + $20 GeniusCash Best balance transfer rate in Canada. You can get a 0% promotional balance transfer rate for 12 months to help you pay off pre-existing credit card debt. Permanent low interest rates of 12.99% on purchases and 17.99% on balance transfers (24.99% on cash advances). No annual fee. $20 GeniusCash on approval ‒ offer ends Nov 30, 2025. * $20 GeniusCash on approval ‒ offer ends Nov 30, 2025. * Bonus : Finally earn rewards on your biggest expense by paying for your rent and other bills with Chexy. Related Posts Amex SimplyCash Review: Are These Credit Cards Worth It? Black Friday And Cyber Monday – The Best Credit Cards To Use To Save Even More Money Best Flat Rate Cash Back Credit Card Battle: Brim Financial Vs. Amex SimplyCash Using Multiple Credit Cards To Maximize Your Rewards Comments Leave a comment Required fields are marked with *. Your email address will not be published. Post Comment Hot Credit Card Deals See details Get even more cash back with exclusive offers only available on the GeniusCash app Apply Now Up to 90,000 100,000 bonus points + 4 free lounge passes per year + $125 GeniusCash Ends Dec 31, 2025   GC:  $125 Apply Now Earn up to 165,000 bonus points + First year annual fee rebate + $20 GeniusCash Ends Nov 30, 2025   GC:  $20 Apply Now 0% interest for 12 months with Canada's #1 balance transfer promotion + $20 GeniusCash Ends Nov 30, 2025   GC:  $20 Apply Now Exclusive Offer: Up to $480 cash back in the first year + Roadside Assistance + $150 GeniusCash Ends Dec 31, 2025   GC:  $150 Apply Now Up to 50,000 bonus points + No foreign exchange fees + $100 GeniusCash Ends Dec 31, 2025   GC:  $100 Apply Now Get $120 bonus cash back + no annual fee + $120 GeniusCash Ends Dec 31, 2025   GC:  $120 See all November deals Our Original Research Study: How Much Is Your Credit Card Insurance Worth? Study: What Is A Good Credit Score in Canada ‒ And Is It Good Enough To Be Approved? Study: What Are Your Credit Card Benefits Worth? Study: Credit Card Trends In Canada During COVID-19 Must Read Best Credit Cards in Canada for 2025 Tangerine Money Back Credit Card Review – A Top No Annual Fee Mastercard Best Credit Cards For Bad Credit In Canada For November 2025 Your Guide To Expedia For TD Amex Cobalt Review: Why It’s Been #1 For 8 Years In A Row Best Instant Approval Credit Cards In Canada What's The Best Rewards Program In Canada? How To Maximize The TD Rewards Points Program How To Maximize The CIBC Aventura Rewards Program Most Recent Air Canada’s Aeroplan Rewards Program Air Canada adds Helijet as New Aeroplan Partner What is Flexiti? Do You Lose Your Points If You Cancel Your Credit Card? $1,000 Christmas Giveaway Canada 2025 What’s important to you? 1 Cash Travel+ 1 Low Fees Insurance 1 Low Interest Perks 46 / 227 best cards Genius Search What's this? 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"Annual Rewards" is calculated by combining our default $2,000 in monthly spending ($24,000 annually) spread across 8 different spending categories (gas, groceries, travel, etc) with our point value estimates. "Welcome Bonus" is calculated by combining all one-time bonuses available to new cardholders within the first year with our point value estimates. To qualify for the full bonus you may need to make purchases, meet minimum spending requirements, or complete special actions. "Annual Interest Savings" is based on a credit card balance of $8,000 and a standard credit card interest rate of 19.99%. Annual Rewards, Welcome Bonus, and Annual Interest Savings values will change if the person adjusts their monthly spending away from the $2,000 monthly default or changes their reward preferences. *, † Terms and conditions apply. Your feedback matters What do you think of creditcardGenius? Needs work It's ok It's great! Disclosure creditcardGenius receives a referral fee for some credit cards listed; however, our comprehensive and math-based algorithm solely dictates the results of our rating system. Our ratings and rankings are strictly independent of compensation. Read our detailed disclosure about how CCG makes money. Never miss a deal Unlock VIP-access to exclusive GeniusCash deals, credit card offers, and the biggest money news. Bonus : Get our 250+ page money-saving eBook for free. We promise to keep your email safe. We hate spam too. Unlock my deals Glad we could help you choose the right credit card for you. Never Miss A Deal Want to get hot credit card news and offers directly to your inbox? Bonus : Get our free 250+ page eBook that will save you $1000s per year Keep Me Updated No thanks, I don’t want credit card deals. Glad we could help you choose the right credit card for you. Before you continue your application ... Never Miss A Deal Want to get hot credit card news and offers directly to your inbox? Bonus : Get our free 250+ page eBook that will save you $1000s per year Keep Me Updated No thanks, I don’t want credit card deals. Latest Updates $175 GeniusCash + 0.5% extra cash back Up to 100,000 welcome bonus points 4 free lounge passes worth up to $200 First-year annual fee waived * Air Canada’s Aeroplan Rewards Program Air Canada adds Helijet as New Aeroplan Partner What is Flexiti? $100 GeniusCash + Earn up to 15,000 Welcome Bonus Membership Rewards ® Points. *