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American Express EssentialTM Credit Card
American&nbsp;Express Essential<sup>TM</sup> Credit&nbsp;Card
Low interest, low annual fee
Apply Now

Financial Information

Card TypeCredit Card
Annual Fee$25
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

Plan It® - The American Express® Installment Program 

Find control and flexibility with Plan It. Split large purchases into monthly installments. Terms and conditions apply

  • No additional credit checks or applications
  • No additional interest and a fixed monthly fee
  • Earn rewards as usual
  • Learn more at amex.ca/installments

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

Eligibility

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 2 separate Missed Payments, the applicable rates for your account will be 25.99%. If you have 3 separate Missed Payments, the applicable rates for your account will be 28.99%. 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.
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