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SimplyCashTM Preferred Card from American Express

Earn 10% cash back in your first 4 months (up to $400 cash back)1
Annual Fee $99*

Card Type
Credit Card
Annual fee
Annual Interest Rate
19.99% on purchases and 21.99% on funds advances*
Additional Cards
No annual fee3

Key Benefits


Earn 10% cash back in your first 4 months1.

Earn 2% cash back when your Welcome Rate ends2.


As an eligible Basic Cardmember, refer a friend and you11 could earn bonus cash back for each approved referral up to a maximum annual referral bonus of $1,500 cash back for approved referrals.12


American Express Invites® including Front Of The Line opens the door to great music, theatre, dining, film, fashion and shopping experiences4


You can be covered for theft, loss and damage of your rental car with an MSRP of up to $85,000 for rentals of 48 days or less when you fully charge your rental to your SimplyCashTM Preferred Card. To take advantage of this protection, simply decline the Collision Damage Waiver (CDW), Loss Damage Waiver (LDW) or similar option offered by the car rental agency.

Earn Cash Back

Earn 2% cash back when your Welcome Rate ends2. There’s no limit to how much cash back you can earn2.
  • New SimplyCashTM Preferred Card from American Express Cardmembers can earn 10% cash back on purchases for the first 4 months of Cardmembership (up to $400 cash back)1
  • Earn 2% cash back when your Welcome Rate ends2
  • There’s no limit to how much cash back you can earn2
See how it can add up with our cash back calculator.

    Travel & Shopping Coverage

    You can feel more confident with extensive coverage available on the SimplyCash Preferred Card from American Express:
    • Car Rental Theft and Damage Insurance†4
    • $100,000 Travel Accident Insurance†5
    • Out of Province/Country Emergency Medical Insurance (For under age 65)†6
    • Lost or Stolen Baggage Insurance†6
    • Flight Delay Insurance†6
    • Baggage Delay Insurance†6
    • Hotel Burglary Insurance†6
    • Buyer’s Assurance® Protection Plan†7
    • Purchase Protection® Plan†6
    : 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. If you are a Quebec resident, please read your Insurance Summary and Fact Sheet.
      Entertainment Access
      Say hello to American Express Invites®8. It opens the door to memorable experiences we think you’ll love!
      Front Of The Line® Advance Access
      Cardmembers can purchase Front Of The Line presale tickets or make Front Of The Line reservations to some of the most in-demand concerts, theatre productions, restaurants and special events, often before the general public.8
      Front Of The Line® Reserved Tickets
      During the public on-sale period for many major events, Cardmembers can purchase Front Of The Line tickets from a block of great seats reserved exclusively for American Express.8
      Front Of The Line® E-Updates
      Learn more at, and subscribe to receive Front Of The Line Entertainment e-Updates to get the hottest event listings sent directly to your inbox.
      Special Offers & Experiences for all Cardmembers
      Throughout the year, Cardmembers can purchase a variety of special offers created just for American Express. From advance screenings of blockbuster movies, to weekend getaway packages and special online and in-store shopping deals, it’s never been easier to have an experience you’ll never forget.
      Special Access for all Cardmembers
      Cardmembers can breeze through the line with the American Express entrance at Budweiser Stage, sit back and relax in American Express Lounges9 at Budweiser Stage, Roy Thomson Hall, and enjoy express service at the American Express bar at Massey Hall.
      World-class Service
      We offer customer service you can count on – anywhere, any time:
      Relationship Care
      If you have a question about your SimplyCashTM Preferred Card from American Express, you can rely on us 24/7 to give you an answer. Simply call the number on the back of your Card to speak to one of our Customer Care Professionals. That’s one way we deliver Relationship Care for Cardmembers like you.
      Fraud Protection Guarantee
      Use your SimplyCashTM Preferred Card from American Express 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.10
      Emergency Card Replacement
      If your Card or Additional Card 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.
      To save time, make sure you can say yes to all of the following before applying for the SimplyCashTM Preferred Card from American Express:
      • 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

      Ready to apply?

      Apply for the SimplyCashTM Preferred Card from American Express now and get a response in 60 seconds.
        *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.