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American Express EssentialTM Credit Card

American&nbsp;Express Essential<sup>TM</sup> Credit&nbsp;Card

Low interest rate,
no annual fee

Financial Information

Card Type
Credit Card
Annual Fee
No annual fee
Annual Interest Rate
12.99% on purchases and funds advances*
Additional Cards
No annual fee1

Made to back life’s big moments

For all things big and small, the American Express EssentialTM Credit Card can help carry the weight.

All Benefits


The American Express® Installment Program

For purchases both large and small, use
Plan It™ to choose a portion of your statement balance to pay in monthly installments. Terms and conditions apply.

  • Simple to set up
  • Fixed monthly fee
  • Manageable payments
  • Learn more about Plan It™ at

Unsure about which Card is appropriate for you? Use our Help Me Choose tool to find a Card for your wallet


To save time, make sure you can say yes to all of the following before applying for the American Express EssentialTM Credit Card:
  • You are a Canadian resident and have a Canadian credit file
  • You are the age of majority in the province or territory where you live

Important Information

    *Subject to approval. The preferred rate for purchases and funds advances is 12.99%. 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.
    Apply now for Essential<sup>TM</sup> Credit Card and get a response in 60 seconds.

    Apply now for EssentialTM Credit Card and get a response in 60 seconds.

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