SimplyCashTM Card from American Express Review
Earn 4% cash back on purchases (up to $200 cash back) for the first 6 months
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Recommended Credit Score:
670 900
Average to Excellent
Welcome Bonus Value
Annual Fee
Purchase Interest Rate
Min Personal Required
SimplyCashTM Card from American Express
Apply Now
My Rate Compass Rating: star star star star star_outline (4.4)
Bank Name:American Express
Network Type:Amex
SimplyCashTM Card from American Express
Welcome Bonus
Earn 4% cash back on purchases (up to $200 cash back) for the first 6 months
Annual Fee
SimplyCashTM Card from American Express
Card Details

SimplyCash™ Card from American Express Review

Earn Cash Back

The more you buy with the Card, the more cash back you'll earn.
  •  New SimplyCashTM from American Express Cardmembers can earn 4% cash back on purchases (up to $200 cash back) for the first 6 months of Cardmembership
  • Earn 1.25% cash back on purchases when your Welcome Rate ends

    • Access virtual events and special offers curated for Cardmembers with American Express® Experiences

    American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details, current product information and Terms and Conditions, click the Apply now link. Conditions Apply

  • Priority airport services No
  • Airport lounge access No
  • Concierge service No
  • Balance protection(Optional) Yes
  • Purchase Security & Extended Protection Insurance Yes
  • Flight delay insurance,Baggage Insurance Yes
  • Vehicule rental insurance Yes
  • Travel accident insurance Yes
  • Travel medical insurance Yes
Fees and Eligibility
  • Annual Fee: $0
  • Additional Card Fee: $0
  • Purchases Interest Rate: 19.99%
  • Cash Advance Interest Rate: 21.99%
  • You're a Canadian resident
  • You've reached the age of majority in your province or territory
Recommended Credit Score:
670 900
Average to Excellent
Our Rating
My Rate Compass Rating: star star star star star_outline (4.4)
Rating Methodology: My Rate Compass's ratings are determined by our editorial team. Our editors rate credit cards objectively based on the benefits and features the credit card offers, interest rates, the fees, and how a credit card compares with other cards in its category. Credit card rating methodology
Editorial Guidelines: Learn more about our editorial guidelines here.
Pros and Cons

As an eligible basic Cardmember, refer a friend and you could earn a bonus of $100 cash back for each approved referral up to a maximum annual referral bonus of $750 Cash Back for approved referrals.


American Express Invites® including Front Of The Line opens the door to great music, theatre, dining, film, fashion and shopping experiences

Editor's Review
American Express - SimplyCash Card

The American Express SimplyCash Card features no annual fees and offers cardholders a flat, unlimited cashback rate. Just as with the SimplyCash Preferred Card, American Express offers its members the opportunity to receive a generous bonus for referrals. Its customer care professionals are available around-the-clock to address cardholder concerns and fraud protection is included with every card.

Features and Benefits of the SimplyCash Card
  • 4% cashback introductory rate; 1.25% cashback after the first 6 months
  • Up to $750 cashback annually for approved referrals
  • Purchase Protection Plan covers all purchases made with the card
  • Front of the Line ticket access for concerts, dining, film, and other experiences with American Express Invites
  • Built-in fraud protection and emergency card replacements
  • $100,000 travel accident insurance that includes a Buyer's Assurance Protection Plan
Pros and Cons of the SimplyCash Card


  • No annual fees
  • Cashback is unlimited
  • Purchase Protection Plan protects you from shopping with bad merchants
  • Early access to concerts and other events


  • Amex isn't accepted as widely as Visa and Mastercard
  • Travel benefits are reduced when compared with the SimplyCash Preferred Card

The Takeaway

The American Express SimplyCash Card is among the best choices for individuals who are looking for a cashback card that doesn't cost an arm and a leg. Because cashback earnings aren't limited with this card and the interest rate is reasonable, this card makes a great choice for everyday use. Those who travel frequently and require comprehensive insurance may want to consider upgrading to the SimplyCash Preferred Card, as the SimplyCash card's travel insurance benefits are limited by comparison.

Author Bio

Mohamed Konate

Mohamed Konate is a personal finance expert, blogger, and marketing consultant based out of Toronto. He is a former financial services professional who worked for many years at major Canadian financial institutions where he managed the marketing strategy around various financial products ranging from credit cards to lines of credit. Mohamed is passionate about personal finance and holds a Bachelor in Business Administration from the University of Quebec (Montreal) and a Master in International Business from the University of Sherbrooke (Quebec).He is also the author of the Canadian Credit Card Guidebook.

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