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.

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.

Top credit cards to pair with the Amex SimplyCash

Want to supplement that 1.25% base earn rate? Here are a couple of suggestions.

First is the . You can earn 2% cash back on up to 3 categories of your choice, including popular categories like gas, groceries, and restaurants. And you'll earn 0.5% on all other purchases where Amex isn't accepted.

The other is the . It only earns 1% cash back on all purchases, but also has no foreign exchange fees, rare insurance coverages like mobile device and event ticket cancellation, as well as the opportunity to earn bonus rewards when shopping with Brim’s 150+ retail partners.

What are your thoughts?

Pairs well with...

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