1. No annual fee for Basic and Supplementary Cards. Supplementary Cardmembers must be age of majority. Maximum 9 Supplementary Cards per account.

2. The American Express Essential™ Credit Card offers the current lowest fixed interest rate among other fixed rate no annual fee Credit Card products. Some variable rate cards may offer a lower rate.

3. When you charge the full price on eligible purchases to your American Express EssentialTM Credit Card, 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.

4. Underwritten by Royal & Sun Alliance Insurance Company of Canada. Coverage is in excess of any and all other applicable insurance.

5. Travel Accident Insurance is Underwritten by Chubb Life Insurance Company of Canada, Head Office in Canada: Toronto, Ontario, under Master Policy TMH600135.

6. 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.

7. Fraud Protection Guarantee ‐ Use the American Express Card online or off, 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.

†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.

1. This offer is only available to new SimplyCashTM Card from American Express Cardmembers. For current or former SimplyCashTM Card from American Express Cardmembers, we may approve your application, but you will not be eligible for the Welcome Rate of 5%. ‘Eligible’ means only those American Express retail merchants in Canada whose primary business is within the specified category. Not every merchant where you dine or buy gas or groceries is eligible. The cash back earn rate is 1.25% of your Card purchases (and not 5%) in the following situations:

• Purchases at superstores, wholesale clubs, alcohol retailers, general merchandise merchants, convenience stores and other merchants whose business is not limited to the eligible categories,


• Food purchases at specialty retailers such as bakeries, butcher shops, fish markets and health food stores,


• Gasoline purchases that are not for retail or automobile gasoline,


• If the merchant category for the purchase is not identified. This may happen when the transaction information we receive does not come directly from the merchant, for example, when the purchase is made (i) using your payment account with a third party, or (ii) using your Card at an online retailer that sells goods and services of other merchants, or (iii) if the merchant uses a third party payment service (such as a card reader attached to a mobile phone).

5% bonus earn rate applies for the first 6 months of Card membership, up to a maximum of $5,000 in purchases (equal to $250 cash back). If the bonus earn rate of 5% applies to a purchase, the 1.25% earn rate will not also apply to the same purchase. Cash back rebates are earned on eligible purchases (less credits and returns) provided your account is in good standing. Cash back is applied as a credit to your account 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.

2. No annual fee for Basic and Supplementary Cards. Supplementary Cardmembers must be age of majority. Maximum 9 Supplementary Cards per account.

3. Provided your account is in good standing, cash back can be earned on purchases less returns and other credits. 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. There is no limit to the amount of cash back you can earn. 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.

4. 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.

5. 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 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.

6. Travel Accident Insurance is Underwritten by Chubb Life Insurance Company of Canada, Head Office in Canada: Toronto, Ontario, under Master Policy TMH600135.

7. When you charge the full price on eligible purchases to your SimplyCash 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.

8. Underwritten by Royal & Sun Alliance Insurance Company of Canada. Coverage is in excess of any and all other applicable insurance.

9. All references to you means the Basic Cardmember.

10. Your account must be in good standing. If this is a personal 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 who you know and who have consented to receive this recommendation from you. You must not send recommendations to people you do not know. You can only receive a maximum referral bonus of $1,500 Cash Back per calendar year for approved referrals. Bonus point maximums 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 points. 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. 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. 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. All products and services are subject to applicable Terms and Conditions.

11. Use the American Express Card online or off, 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.

†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.