SimplyCash Card from American Express review

Key features of the SimplyCash Card from American Express

• Cash back. Earn 2% cash back on eligible gas purchases in Canada, 2% cash back on eligible grocery purchases in Canada (up to $300 cash back annually), and earn 1.25% cash back elsewhere.
• Welcome offer. In your first 3 months earn a bonus 5% cash back on all purchases, on top of your everyday cash back earn rates (up to $2,000 in purchases). That’s up to $100 in bonus cash back.
• Refer a friend. Earn up to a maximum annual referral bonus of $375 cash back for approved referrals.
• Travel and shopping coverage. Provides extended warranty and insurance coverage on products purchased with your SimplyCash Card from American Express, along with complimentary $100,000 Travel Accident Insurance. T&C’s apply.
• 24/7 Customer Service. Get help any time of the day, from Monday to Sunday.

Bonus features

• Special offers and experiences. Access events and special offers curated for Cardmembers with Amex Experiences.
• Custom entertainment packages. Get first dibs on packages created exclusively for American Express card holders, including deals on weekend getaways, advance screenings of blockbuster movies and online and in-store shopping promotions.
• World class service. Dial into customer service 24/7 by calling the number on the back of your card. Use this service to report fraudulent charges, cancel or replace lost or stolen cards or find answers to any number of questions that might come up along the way.
• Free Additional Cards. Up to 9 additional cards at no extra cost. Purchases made on these cards will add to your annual cash back balance.

What to watch out for

• Not as widely accepted overseas. The SimplyCash Credit Card is an American Express card, which means you might not be able to use it overseas as easily as you would a Visa or Mastercard.
• Penalty APR. Making late or returned payments could saddle you with an APR as high as 25.99% - 28.99% Variable on all balances.

SimplyCash Card from American Express interest rates

What should I know before I apply

• Eligibility Requirements

  To apply for the SimplyCash Card from American Express, you need to be:

  • At the age of majority in your province or territory.
  • A resident of Canada and have a Canadian credit file.

• Required documents and information

  • Your name, residential address and contact information.
  • Your date of birth.
  • Your employment details and email address (optional ).
  • Your existing American Express Card (if an existing member).

How to apply for the SimplyCash Card from American Express

1. Click on the Go to Site button above or on this secure link to be directed to the American Express website.
2. Select the SimplyCash Card from American Express and click Apply now to begin your application.
3. Complete the application with details that include your name, email address, social insurance number and birth date.
4. Review and submit your application.

Compare other American Express credit cards

1 - 5 of 12

Name	Product CACCF	Welcome Offer	Rewards	Purchase Interest Rate	Annual Fee	Min. Credit Score	Description
American Express Cobalt Card American Express Cobalt Card		15,000 points	Up to 5x points per $1 spent	21.99%	$155.88	Min. recommended credit score: 700	Earn up to 15,000 Membership Rewards points in your first year. Earn 1,250 Membership Rewards points for each monthly billing period in which you spend $750 in purchases. That’s up to $150 towards a weekend getaway or concert tickets.	Go to siteMore Info Compare	loading Fetching your data...
American Express Green Card American Express Green Card		10,000 points	1 point per $1 spent	21.99%	$0	Min. recommended credit score: 700	Earn a Welcome Bonus of 10,000 Membership Rewards points when you charge $1,000 in purchases to your card in the first 3 months as a new Cardmember. That’s $100 towards groceries or concert tickets.	More Info Compare	loading Fetching your data...
SimplyCash Card from American Express SimplyCash Card from American Express		Up to $100 in bonus cash back	Up to 2% cash back	21.99%	$0	Min. recommended credit score: 700	In your first 3 months earn a bonus 5% cash back on all purchases, on top of your everyday cash back earn rates (up to $2,000 in purchases). That’s up to $100 in bonus cash back.	Go to siteMore Info Compare	loading Fetching your data...
American Express Aeroplan Reserve Card American Express Aeroplan Reserve Card		85,000 points	Up to 3x points	21.99%	$599	Min. recommended credit score: 700	Earn up to 85,000 welcome bonus Aeroplan points. That's a value of up to $2,600 or more when you combine your welcome bonus points and card benefits.	Go to siteMore Info Compare	loading Fetching your data...
American Express Aeroplan Card American Express Aeroplan Card		40,000 points	Up to 2x points	N/A	$120	Min. recommended credit score: 700	Earn up to 40,000 welcome bonus Aeroplan points. That’s up to $900 or more in value when you combine your welcome bonus points and card benefits.	Go to siteMore Info Compare	loading Fetching your data...

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How long will it take to be approved for the Amex SimplyCash?

Depending on whether or not your application requires manual review, you will receive a response in 60 minutes to 10 days.

Follow up steps

• Avoid interest payments. Make payments within the days grace period for new purchases on your next statement to avoid hefty interest payments.
• Make on-time payments. Make sure to stay on top of bills and pay your card down every month. Register your account on the American Express website or download the Amex mobile app to pay your balance or at least the minimum payment where possible.

Bottom line

The SimplyCash Card from American Express offers a no-nonsense, top of the line cashback card. If you’re looking to get more bang for your buck without the hefty annual fee, then this card might be right up your alley.