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The SimplyCash Preferred™ Card from American Express

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

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

More Cashback

Select Category
Annual Fee
  • Annual Fee
  • $99
  • $0
  • Annual Interest Rate
  • The annual interest rate is 19.99% on purchases and 21.99% 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 21.99% 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
SimplyCash Preferred$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
Open the door to more experiences
More ways to grow your cashback
Other Card Features
Feel confident in your coverage
  • Travel Insurance
  • Car Rental Theft and Damage Insurance†6
    $100,000 Travel Accident Insurance†7
    Out of Province/Country Emergency Medical Insurance (For under age 65)†8
    Lost or Stolen Baggage Insurance†8
    Flight Delay Insurance†8
    Baggage Delay Insurance†8
    Hotel Burglary Insurance†8
  • Shopping Coverage
  • Buyer’s Assurance® Protection Plan†9
    Purchase Protection® Plan†8
Open the door to more experiences
  • Front Of The Line®10 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®10 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
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 you11 could earn a referral bonus that will be added to your cash back balance12,13
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

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

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 21.99%. 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
Important information
  • *Subject to approval. The preferred rate for purchases is 19.99% and funds advances is 21.99%. 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
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. This coverage can only apply when you are authorized and permitted by law to operate the rental car. You may contact the insurer at 1-888- 877-1710 in Canada and the U.S. or visit www.rsagroup.ca.
7. Underwritten by Chubb Life Insurance Company of Canada (“Chubb Life”). Use your Card to book tickets for your spouse, dependent children (under 23) or any Supplementary Cardmember and they can also be covered. Spouse and dependent children (under 23) of Supplementary Cardmembers can also be covered. You may contact the insurer at 1-877-777-1544 in Canada or visit www.chubb.com/ca.
8. Underwritten by Royal & Sun Alliance Insurance Company of Canada. You may contact the insurer at 1-888-877-1710 in Canada and the U.S. or visit www.rsagroup.ca.
9. Underwritten by Royal & Sun Alliance Insurance Company of Canada. Applies to eligible items fully charged to your Card worldwide, provided the manufacturer’s warranty is valid in Canada and the U.S. and does not exceed five years. You may contact the insurer at 1-888-877-1710 in Canada and the U.S. or visit www.rsagroup.ca.
10. Front Of The Line® - Purchase must be charged in full to an American Express Card. Subject to availability and to event and ticketing terms, restrictions, verification procedures and fees. Tickets and packages may not be transferable and should not be resold. No refunds and no exchanges subject to merchant's obligations under applicable law.
11. All references to you means the Basic Cardmember.
12. SimplyCash Preferred Referral Program Terms – Your account must be in good standing. If this is a personal or family referral, you agree to only make recommendations to known friends and family members with whom you have a relationship and who have confirmed to you that they want to receive this communication. If this is a referral in the context of your business, you agree to only make recommendations to business contacts whom you know and have consented to receive this recommendation from you. You must not send recommendations to people you do not know. Whenever you reach out to a potential referral, you will only use content we provide. Any additional statements you make cannot be inconsistent with our content and must be truthful, accurate and not misleading. You should not publish or distribute your referral link in locations where the audience is likely to include individuals with whom you do not have a business, personal or family relationship or who may not be interested in the offer. You can only receive a maximum referral bonus of $1,500 cash back per calendar year for approved referrals, which includes eligible referral bonus amounts from both (i) special or limited time referral offers and (ii) regular referral offers in that same calendar year. Referral bonus for each approved referral and maximum annual referral bonus limit may change at any time and if you change card products. Should the referral bonus amount change during the calendar year, you may receive a partial bonus depending on the available maximum bonus amount. You are not eligible to receive this referral bonus offer if you have already reached your maximum annual referral bonus limit. The referral bonus will be awarded to you based on each eligible referral for which American Express receives an application that is subsequently approved, subject to all applicable terms and conditions. Your referral bonus will be awarded in the calendar year in which the eligible referral application is approved and not when the referral application is received. Due to the confidential nature of the approval process, you will not be notified when applications are approved or declined and any individual you have referred must agree to allow your account to be bonused upon approval or you will not receive the referral bonus. If our records indicate that any person you have referred has opted not to receive e-mails from us, your referral will not be sent and you will not receive the referral bonus offered as part of this program. Referral program varies by product and may be modified, suspended, cancelled or otherwise terminated without notice. Cannot be combined with any other offer. If the people that you refer have already applied for the product that you are referring without participating in this program, neither you nor they will be eligible for any referral bonus that may be offered as part of this program. Likewise, if the people you refer decide to apply for a Card through this referral program other than the one you have specifically recommended, the referral bonus for which you and they may be eligible will vary. You will only use the delivery methods we provide. By participating in the referral program, you are requesting that emails be sent on your behalf to individuals with whom you have a business, personal or family relationship. If you already have an American Express Card, you are prohibited from referring yourself for any American Express Card. Any violation or abuse of this referral program including, sending emails to individuals with whom you have no business, personal or family relationship, referring yourself, and efforts to bypass, manipulate, obscure or otherwise modify the delivery and accurate presentation of the referral link, sharing tools, content, disclosures, instructions or other materials we provide will be considered a breach of these Terms and make you ineligible for any referral bonus, reverse any referral bonus awarded, and result in your termination from the program and cancellation of your Card account. Referral program participants should allow 8 to 10 weeks for the award of the referral bonus once program criteria have been met and must be enrolled in the corresponding loyalty program (if applicable) when the referral bonus is awarded. American Express reserves the right to limit, cancel, or revoke a referral or welcome bonus if it determines, in its sole discretion, you have violated these Terms. All products and services are subject to applicable Terms and Conditions.
13. SimplyCash Referral Program Terms – Your account must be in good standing. If this is a personal or family referral, you agree to only make recommendations to known friends and family members with whom you have a relationship and who have confirmed to you that they want to receive this communication. If this is a referral in the context of your business, you agree to only make recommendations to business contacts whom you know and have consented to receive this recommendation from you. You must not send recommendations to people you do not know. Whenever you reach out to a potential referral, you will only use content we provide. Any additional statements you make cannot be inconsistent with our content and must be truthful, accurate and not misleading. You should not publish or distribute your referral link in locations where the audience is likely to include individuals with whom you do not have a business, personal or family relationship or who may not be interested in the offer. You can only receive a maximum referral bonus of $750 cash back per calendar year for approved referrals, which includes eligible referral bonus amounts from both (i) special or limited time referral offers and (ii) regular referral offers in that same calendar year. Referral bonus for each approved referral and maximum annual referral bonus limit may change at any time and if you change card products. Should the referral bonus amount change during the calendar year, you may receive a partial bonus depending on the available maximum bonus amount. You are not eligible to receive this referral bonus offer if you have already reached your maximum annual referral bonus limit. The referral bonus will be awarded to you based on each eligible referral for which American Express receives an application that is subsequently approved, subject to all applicable terms and conditions. Your referral bonus will be awarded in the calendar year in which the eligible referral application is approved and not when the referral application is received. Due to the confidential nature of the approval process, you will not be notified when applications are approved or declined and any individual you have referred must agree to allow your account to be bonused upon approval or you will not receive the referral bonus. If our records indicate that any person you have referred has opted not to receive e-mails from us, your referral will not be sent and you will not receive the referral bonus offered as part of this program. Referral program varies by product and may be modified, suspended, cancelled or otherwise terminated without notice. Cannot be combined with any other offer. If the people that you refer have already applied for the product that you are referring without participating in this program, neither you nor they will be eligible for any referral bonus that may be offered as part of this program. Likewise, if the people you refer decide to apply for a Card through this referral program other than the one you have specifically recommended, the referral bonus for which you and they may be eligible will vary. You will only use the delivery methods we provide. By participating in the referral program, you are requesting that emails be sent on your behalf to individuals with whom you have a business, personal or family relationship. If you already have an American Express Card, you are prohibited from referring yourself for any American Express Card. Any violation or abuse of this referral program including, sending emails to individuals with whom you have no business, personal or family relationship, referring yourself, and efforts to bypass, manipulate, obscure or otherwise modify the delivery and accurate presentation of the referral link, sharing tools, content, disclosures, instructions or other materials we provide will be considered a breach of these Terms and make you ineligible for any referral bonus, reverse any referral bonus awarded, and result in your termination from the program and cancellation of your Card account. Referral program participants should allow 8 to 10 weeks for the award of the referral bonus once program criteria have been met and must be enrolled in the corresponding loyalty program (if applicable) when the referral bonus is awarded. American Express reserves the right to limit, cancel, or revoke a referral or welcome bonus if it determines, in its sole discretion, you have violated these Terms. All products and services are subject to applicable Terms and Conditions.
† 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.