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SimplyCashTM Card from American Express

Earn 2.5% cashback in your first 3 months (up to $150 cashback)1
No annual fee

Card Type
Credit Card
Annual fee
No annual fee
Annual Interest Rate
19.99% on purchases and 22.99% on funds advances*
Additional Cards
No annual fee2

Key Benefits


Earn 1.25% cash back on purchases when your Welcome Rate ends3. There's no limit to the amount of cash back you can earn!


Refer a friend and you9 could earn a bonus of $100 cash back for each approved referral up to a maximum annual referral bonus of $1,500 Cash Back10


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

Shopping Coverage

Whenever you shop, your Card has a Plan to ensure you’re covered.

Earn Cash Back

The more you buy with the Card, the more cash back you’ll earn.
  • New SimplyCashTM Card from American Express Cardmembers can earn 2.5% cashback on purchases (up to $150 cashback) for the first 3 months of Cardmembership1
  • Earn 1.25% cash back on purchases when your Welcome Rate ends3
See how it can add up with our cash back calculator.

    Travel & Shopping Coverage

    Peace of mind can come with the coverage available on the SimplyCash Card from American Express:
    • $100,000 Travel Accident Insurance6+
    • Buyer’s Assurance® Protection Plan7+
    • Purchase Protection® Plan8+
    † 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.

      Optional Balance Transfer Offer

      • Enjoy a special 1.99% introductory interest rate on Balance Transfers for the first 6 months** if you choose to transfer your other credit card balances to this American Express card. It’s an easy way to save money on interest if you choose to carry a balance and you make your minimum payments on time
      • You can transfer 50% of your assigned credit limit, up to a maximum of $7,500, whichever is less. There is no balance transfer fee for this offer
      • Balance Transfer option is only available at the time of online application
      Entertainment Access
      Say hello to American Express Invites®4. 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.4
      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.4
      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 Lounges5 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 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 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.11
      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 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 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 22.99%. 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.

        ** Offer only available to new Cardmembers. Cardmembers who currently hold a card by Amex Bank of Canada are ineligible for this offer. Offer is subject to approval up to an amount of $7,500 or 50% of your assigned credit limit, whichever is less. A balance transfer made at the time of application is eligible for a special interest rate of 1.99% for the first 6 billing periods, provided you meet the eligibility criteria specified in the offer terms and conditions and provided further that you do not have a Missed Payment. If either: (i) you still have an amount owing from your balance transfer when the special interest rate expires; or (ii) you have a Missed Payment, any remaining balance owing in relation to the balance transfer will be subject to interest at the rate then in effect for Funds Advances. A “Missed Payment” means we did not receive the minimum monthly payment by the payment due date. The Preferred Rate for Funds Advances is currently 22.99% and will increase if you have additional missed payments. There is no balance transfer fee for this offer. Please see the Product Information box on your online application for complete details on fees and interest rates.