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The SimplyCash Preferred™ Card from American Express

Earn 5% cash back
in your first 6 months (up to $300 cash back)1

Earn 2% cash back when your welcome rate ends2

The SimplyCash™ Card from American Express

Earn 2.5% cash back
in your first 3 months (up to $150 cash back)3

Earn 1.25% cash back on purchases when your welcome rate ends4

Annual Fee

Cashback Calculator

Coverage

Experiences

Balance Transfer Offer

More Cashback

Select Category
Annual Fee
  • Annual Fee
  • $99
  • $0
  • Annual Interest Rate
  • The annual interest rate is 19.99% on purchases and 22.99% on funds advances*
  • Additional Cards
  • Additional Cards are available at no annual fee5
Annual Fee
  • Annual Fee
  • $99
  • Annual Interest Rate
  • The annual interest rate is 19.99% on purchases and 22.99% on funds advances*
  • Additional Cards
  • Additional Cards are available at no annual fee5
Bring up your cash Balance
See how your monthly purchases can add up. Use the calculator below to see the cash back you can earn with the SimplyCash and SimplyCash preferred Cards
Total Monthly Purchases
$1000/mo
SimpleCash Prefered$420
SimplyCash$187.5
Total potential cash back earned in 1st year
$300Cashback earned in the first 6 months
$120Cashback earned for the rest of the year
$420Total potential annual cash back earned
Feel confident in your coverage
  • Travel Insurance
  • Car Rental Theft and Damage Insurance†6
    $100,000 Travel Accident Insurance†7
    Emergency Medical Insurance†8 (Out of Province/Country)
    Lost or Stolen Baggage Insurance†8
    Flight Delay Insurance†8
    Baggage Delay Insurance†8
    Hotel / Motel Burglary Insurance†8
  • $100,000 Travel Accident Insurance†7
  • Shopping Coverage
  • Buyer’s Assurance® Protection Plan†9
    Purchase Protection® Plan†10
  • Buyer’s Assurance® Protection Plan†9
    Purchase Protection® Plan†10
Open the door to more experiences
  • Front Of The Line®11 Advance Access
  • Cardmembers can purchase presale tickets or make reservations to some of the most in-demand concerts, theatre productions, restaurants and special events before the general public
  • Front Of The Line®11 Reserved Tickets
  • During the public on-sale period for many major events, Cardmembers can purchase tickets from a block of seats reserved exclusively for American Express
  • Special Offers & Experiences for all Cardmembers
  • Throughout the year, Cardmembers can purchase a variety of special offers including advance screenings of blockbuster movies, getaway packages and special shopping deals created just for American Express
  • Special Access for all Cardmembers
  • Cardmembers can breeze through the line with American Express entrances, sit back and relax in American Express Lounges and enjoy express service at American Express bars in select venues and events across Canada
Optional Balance Transfer Offer.
  • Balance Transfer Offer
  • Enjoy a special 1.99% introductory interest rate on Balance Transfers for the first 6 months** if you choose to transfer your other credit card balances to this American Express card. It’s an easy way to save money on interest if you choose to carry a balance and you make your minimum payments on timeYou can transfer 50% of your assigned credit limit, up to a maximum of $7,500, whichever is less. There is no balance transfer fee for this offerBalance Transfer option is only available at the time of online application
More ways to grow your cashback
  • Free Additional Cards
  • Add free Additional Cards5 to your account – purchases charged to Additional Cards can help increase your annual cash back balance
  • Refer a friend
  • Refer friends and family to these Cards and for every approved referral you could earn a referral bonus that will be added to your cash back balance12
Other Card Features
  • Contactless Payments
  • To make a contactless purchase, look for the contactless symbol during checkout at American Express merchants. Simply tap your chip Card over the secure reader and collect more cash back
  • Fraud Protection Guarantee
  • Use your Card online or offline, and you won’t be held responsible for any fraudulent charges, as long as you’ve taken reasonable care to protect your account details and PIN. Notify us at once if your Card is lost or stolen or you suspect it is being used without your permission
  • Emergency Card Replacement
  • If your Card or Additional Cards gets lost or stolen, no worries. Simply call us and we’ll arrange to get you a replacement Card. If you are travelling, we’ll work with your itinerary to get a Card to you as soon as possible
  • Relationship Care
  • You can rely on us 24/7 to give you an answer. Simply call the number on the back of the Card to speak to one of our Customer Care Professionals. That’s one way we deliver Relationship Care for our Cardmembers
Feel confident in your coverage
  • Travel Insurance
  • Car Rental Theft and Damage Insurance†6
    $100,000 Travel Accident Insurance†7
    Emergency Medical Insurance†8 (Out of Province/Country)
    Lost or Stolen Baggage Insurance†8
    Flight Delay Insurance†8
    Baggage Delay Insurance†8
    Hotel / Motel Burglary Insurance†8
  • Shopping Coverage
  • Buyer’s Assurance® Protection Plan†9
    Purchase Protection® Plan†10
Open the door to more experiences
  • Front Of The Line®11 Advance Access
  • Cardmembers can purchase presale tickets or make reservations to some of the most in-demand concerts, theatre productions, restaurants and special events before the general public
  • Front Of The Line®11 Reserved Tickets
  • During the public on-sale period for many major events, Cardmembers can purchase tickets from a block of seats reserved exclusively for American Express
  • Special Offers & Experiences for all Cardmembers
  • Throughout the year, Cardmembers can purchase a variety of special offers including advance screenings of blockbuster movies, getaway packages and special shopping deals created just for American Express
  • Special Access for all Cardmembers
  • Cardmembers can breeze through the line with American Express entrances, sit back and relax in American Express Lounges and enjoy express service at American Express bars in select venues and events across Canada
Optional Balance Transfer Offer.
  • Balance Transfer Offer
  • Enjoy a special 1.99% introductory interest rate on Balance Transfers for the first 6 months** if you choose to transfer your other credit card balances to this American Express card. It’s an easy way to save money on interest if you choose to carry a balance and you make your minimum payments on timeYou can transfer 50% of your assigned credit limit, up to a maximum of $7,500, whichever is less. There is no balance transfer fee for this offerBalance Transfer option is only available at the time of online application
More ways to grow your cashback
  • Free Additional Cards
  • Add free Additional Cards5 to your account – purchases charged to Additional Cards can help increase your annual cash back balance
  • Refer a friend
  • Refer friends and family to these Cards and for every approved referral you could earn a referral bonus that will be added to your cash back balance12
Other Card Features
  • Contactless Payments
  • To make a contactless purchase, look for the contactless symbol during checkout at American Express merchants. Simply tap your chip Card over the secure reader and collect more cash back
  • Fraud Protection Guarantee
  • Use your Card online or offline, and you won’t be held responsible for any fraudulent charges, as long as you’ve taken reasonable care to protect your account details and PIN. Notify us at once if your Card is lost or stolen or you suspect it is being used without your permission
  • Emergency Card Replacement
  • If your Card or Additional Cards gets lost or stolen, no worries. Simply call us and we’ll arrange to get you a replacement Card. If you are travelling, we’ll work with your itinerary to get a Card to you as soon as possible
  • Relationship Care
  • You can rely on us 24/7 to give you an answer. Simply call the number on the back of the Card to speak to one of our Customer Care Professionals. That’s one way we deliver Relationship Care for our Cardmembers

The SimplyCash Preferred™ Card from American Express

Earn 5% cash back
in your first 6 months (up to $300 cash back)1

Earn 2% cash back when your welcome rate ends2

The SimplyCash™ Card from American Express

Earn 2.5% cash back
in your first 3 months (up to $150 cash back)3

Earn 1.25% cash back on purchases when your welcome rate ends4
Important information
  • *Subject to approval. The preferred rate for purchases is 19.99% and funds advances is 22.99%. If you have Missed Payments, the applicable rates for your account will be 23.99% and/or 26.99%. See the information box included with the application for the definition of Missed Payment and which rates apply to charges on your account and other details
  • ** Offer only available to new Cardmembers. Cardmembers who currently hold a card by Amex Bank of Canada are ineligible for this offer. Offer is subject to approval up to an amount of $7,500 or 50% of your assigned credit limit, whichever is less. A balance transfer made at the time of application is eligible for a special interest rate of 1.99% for the first 6 billing periods, provided you meet the eligibility criteria specified in the offer terms and conditions and provided further that you do not have a Missed Payment. If either: (i) you still have an amount owing from your balance transfer when the special interest rate expires; or (ii) you have a Missed Payment, any remaining balance owing in relation to the balance transfer will be subject to interest at the rate then in effect for Funds Advances. Before November 8, 2018, a “Missed Payment” means we did not receive the minimum monthly payment on your account by the date of the next billing statement. As of November 8, 2018, a “Missed Payment” means we did not receive the minimum monthly payment by the payment due date. The Preferred Rate for Funds Advances is currently 22.99% and will increase if you have additional missed payments. There is no balance transfer fee for this offer. Please see the Product Information box on your online application for complete details on fees and interest rates
Important information
  • *Subject to approval. The preferred rate for purchases is 19.99% and funds advances is 22.99%. If you have Missed Payments, the applicable rates for your account will be 23.99% and/or 26.99%. See the information box included with the application for the definition of Missed Payment and which rates apply to charges on your account and other details
  • ** Offer only available to new Cardmembers. Cardmembers who currently hold a card by Amex Bank of Canada are ineligible for this offer. Offer is subject to approval up to an amount of $7,500 or 50% of your assigned credit limit, whichever is less. A balance transfer made at the time of application is eligible for a special interest rate of 1.99% for the first 6 billing periods, provided you meet the eligibility criteria specified in the offer terms and conditions and provided further that you do not have a Missed Payment. If either: (i) you still have an amount owing from your balance transfer when the special interest rate expires; or (ii) you have a Missed Payment, any remaining balance owing in relation to the balance transfer will be subject to interest at the rate then in effect for Funds Advances. Before November 8, 2018, a “Missed Payment” means we did not receive the minimum monthly payment on your account by the date of the next billing statement. As of November 8, 2018, a “Missed Payment” means we did not receive the minimum monthly payment by the payment due date. The Preferred Rate for Funds Advances is currently 22.99% and will increase if you have additional missed payments. There is no balance transfer fee for this offer. Please see the Product Information box on your online application for complete details on fees and interest rates
Footnotes
1. This offer is only available to new SimplyCash™ Preferred Card from American Express Cardmembers. For current or former SimplyCash™ Preferred Card from American Express Cardmembers, we may approve your application, but you will not be eligible for the Welcome Rate of 5%. 5% cash back rate applies for the first 6 months of Card membership, up to a maximum of $6,000 in purchases (equal to $300 cash back). If the bonus earn rate of 5% applies to a purchase, the base earn rate will not also apply to the same purchase. Provided your account is in good standing, cash back can be earned on purchases less returns and other credits. If you choose to return a purchase or are otherwise entitled to a credit or adjustment that is related to a purchase, your entitlement to cash back rewards will be reduced accordingly. All deductions for returns, credits and adjustments will be calculated at the earn rate in effect at the time of the return, credit or adjustment. This means that the cash back rewards deducted from your balance may be different from the amount originally earned. Funds advances, interest, fees, balance transfers, Amex cheques and charges for travellers cheques and foreign currencies are not purchases and do not earn cash back rewards. Cash back is applied as a credit to your account annually. All references to you means the Basic Cardmember.
2. 2% cash back rate (base rate) applies to all card purchases. Provided your account is in good standing, cash back can be earned on purchases less returns and other credits. If you choose to return a purchase or are otherwise entitled to a credit or adjustment that is related to a purchase, your entitlement to cash back rewards will be reduced accordingly. All deductions for returns, credits and adjustments will be calculated at the earn rate in effect at the time of the return, credit or adjustment. This means that the cash back rewards deducted from your balance may be different from the amount originally earned. Cash back is applied as a credit to your account annually and will appear on the statement issued in September of each year. The cash back calculation resets annually. Funds advances, interest, fees, balance transfers, Amex cheques and charges for travellers cheques and foreign currencies are not purchases and do not earn cash back rewards. All references to you means the Basic Cardmember.
3. This offer is only available to new SimplyCash™ Card from American Express Cardmembers. For current or former SimplyCash™ Card from American Express Cardmembers, we may approve your application, but you will not be eligible for the Welcome Rate of 2.5%. 2.5% cashback rate applies for the first 3 months of Card membership, up to a maximum of $6,000 in purchases (equal to $150 cashback). If the bonus earn rate of 2.5% applies to a purchase, the base earn rate will not also apply to the same purchase. Provided your account is in good standing, cashback can be earned on purchases less returns and other credits. If you choose to return a purchase or are otherwise entitled to a credit or adjustment that is related to a purchase, your entitlement to cashback rewards will be reduced accordingly. All deductions for returns, credits and adjustments will be calculated at the earn rate in effect at the time of the return, credit or adjustment. This means that the cashback rewards deducted from your balance may be different from the amount originally earned. Funds advances, interest, fees, balance transfers, Amex cheques and charges for travellers cheques and foreign currencies are not purchases and do not earn cashback rewards. Cashback is applied as a credit to your account annually. All references to you means the Basic Cardmember.
4. 1.25% cashback rate (base rate) applies to all card purchases. Provided your account is in good standing, cashback can be earned on purchases less returns and other credits. If you choose to return a purchase or are otherwise entitled to a credit or adjustment that is related to a purchase, your entitlement to cashback rewards will be reduced accordingly. All deductions for returns, credits and adjustments will be calculated at the earn rate in effect at the time of the return, credit or adjustment. This means that the cashback rewards deducted from your balance may be different from the amount originally earned. Cashback is applied as a credit to your account annually and will appear on the statement issued in September of each year. The cashback calculation resets annually. Funds advances, interest, fees, balance transfers, Amex cheques and charges for travellers cheques and foreign currencies are not purchases and do not earn cashback rewards. All references to you means the Basic Cardmember.
5. Account must be in good standing. An additional card is a supplementary card. No annual fee for supplementary cards. Supplementary Cardmembers must be at least 13 years old. Maximum of 9 supplementary cards per account.
6. Underwritten by Royal & Sun Alliance Insurance Company of Canada. Coverage is in effect as long as you have fully charged your rental to your SimplyCash Preferred Card from American Express. There are specific conditions that apply to who may rent and drive the rental vehicle, the length of rental and the type of vehicle covered.
7. Travel Accident Insurance is Underwritten by Chubb Life Insurance Company of Canada, Head Office in Canada: Toronto, Ontario, under Master Policy TMH600135.
8. Underwritten by Royal & Sun Alliance Insurance Company of Canada.
9. When you charge the full price on eligible purchases to your SimplyCash Card from American Express or SimplyCash Preferred Card from American Express, the coverage given under the manufacturer’s original warranty is automatically doubled for up to one additional year. Buyer’s Assurance Protection Plan is underwritten by Royal & Sun Alliance Insurance Company of Canada.
10. Underwritten by Royal & Sun Alliance Insurance Company of Canada. Coverage is in excess of any and all other applicable insurance.
11. Purchase must be charged in full to an American Express Card. Subject to availability and to event ticketing agent terms, conditions and fees. Not all seats are available. All sales are final. No refunds. No exchanges.
12. Your (the Basic Cardmember’s) account must be in good standing. Only your known friends and family members that do not already have or do not apply for this card separately from this program are eligible. Bonus is subject to our being able to communicate with applicants by e-mail and obtain their consent and subject to approval of their card application. Referral program may be modified or terminated without notice. Cannot be combined with any other offer. Bonus will be added to your cash back balance which is applied annually as a statement credit. Please review full terms and conditions for additional terms that apply.
† All insurance coverage is subject to the terms and conditions of the respective master policies. Certain limitations, exclusions and restrictions apply. Please read your Certificates of Insurance carefully.
®, TM: Used by Amex Bank of Canada under license from American Express.