This no fee card gives you the benefits of a higher fee card, including a great cash back rate, no limit to the amount you can earn, and many other great AMEX perks.

Annual Fee
Extra Card Fee
Card Type
Cash Advance
Balance Transfer
Personal Income
Household Income
Canadian resident who has reached the provincial age of majority.
Extended Warranty 1 year
Purchase Protection 90 days
Travel Accident $100,000

Please review your insurance certificate for details, exclusions and limitations of your coverage.

If we find your match, we’ll give you up to $25 when you refer your friends.*

Our Review

With this no annual fee American Express SimplyCash card, you get an 1.25% cash back on all your purchases. No caps, no tiers, no limits. Simple.

What’s more? You get an introductory rate of 2.5% cash back on all your purchases for the first 3 months to get you cash back rewards started. That bonus is capped at $150 though. That's an extra $75 on top of what you would normally be earning anyway.

At no cost, you get 3 different types of insurance included with your card:

  • extended warranty,
  • purchase protection, and...
  • travel accident.

Get the details on the Insurance Coverage tab above.

Then there’s the perks of American Express Invites and Front of the Line advance ticket sales and reserved seating you can enjoy. There's also Amex Offers for even more rewards. You can earn bonus cash back when you make purchases through select merchants. To see what offers are available, you can find them here.

And just like the SimplyCash Preferred card, if you refer any friends and they get approved, Amex will dish you $100 in bonus cash back rewards to say thanks.

One major downfall is that being an Amex card, it’s not accepted everywhere. However, you could always pair your Amex with a top Mastercard or top Visa card, so you don’t miss out on any rewards.

Other than that, this is one of the better free cash back cards out there.

What are your thoughts?

Pairs well with...