American ExpressAmerican ExpressAmerican ExpressAmerican ExpressAmerican Express
American Express EssentialTM Credit Card
American&nbsp;Express Essential<sup>TM</sup> Credit&nbsp;Card
Low interest rate,
no annual fee
Apply Now

Financial Information

Card TypeCredit Card
Annual FeeNo annual fee
Annual Interest Rate12.99% on purchases and funds advances*
Additional CardsNo 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


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 EssentialTM Credit Card and get a response in 60 seconds.

    Apply now for Essential<sup>TM</sup> Credit Card and get a response in 60 seconds.
    More from American Express

    Live life your way and get rewarded for it with the American Express Cobalt® Card

    From earning points on your favourite things to exclusive Perks designed with you in mind – get rewarded for your lifestyle.