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SimplyCash Preferred® Card from American Express

SimplyCash Preferred® Card from American Express

Earn up to $400 in statement credits
New SimplyCash® Preferred Card from American Express Cardmembers, you can earn a $40 statement credit for each monthly billing period in which you spend $750 in purchases on your Card in your first 10 months. That could add up to $400 in statement credits.1** Earn 4% cash back on eligible gas purchases in Canada, 4% cash back on eligible grocery purchases in Canada (up to $1200 cash back annually), and 2% cash back on all other purchases.2

SimplyCash® Card from American Express

SimplyCash® Card from American Express

Earn up to $100 in statement credits
New SimplyCash® Card from American Express Cardmembers, you can earn a $10 statement credit for each monthly billing period in which you spend $300 in purchases on your Card in your first 10 months. That could add up to $100 in statement credits.3** Earn 2% cash back on eligible gas purchases in Canada, 2% cash back on eligible grocery purchases in Canada (up to $300 cash back annually), and 1.25% cash back on all other purchases.4

Annual Fee

Coverage

Experiences

More Cashback

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Annual Fee
  • Annual Fee
  • $9.99 monthly fee (Equals a total fee of $119.88 annually)
  • $0
  • Annual Interest Rate
  • The annual interest rate is 20.99% on purchases and 21.99% on funds advances*
  • Additional Cards
  • Additional Cards are available at no annual fee5
Annual Fee
  • Annual Fee
  • $9.99 monthly fee (Equals a total fee of $119.88 annually)
  • Annual Interest Rate
  • The annual interest rate is 20.99% on purchases and 21.99% on funds advances*
  • Additional Cards
  • Additional Cards are available at no annual fee5
Feel confident in your coverage
Open the door to more experiences
More ways to grow your cashback
Other Card Features
Feel confident in your coverage
  • Travel Insurance
  • Car Rental Theft and Damage Insurance†6
    $100,000 Travel Accident Insurance†7
    Out of Province/Country Emergency Medical Insurance (For under age 65)†8
    Lost or Stolen Baggage Insurance†8
    Flight Delay Insurance†8
    Baggage Delay Insurance†8
    Hotel Burglary Insurance†8
  • Shopping Coverage
  • Buyer’s Assurance® Protection Plan†9
    Purchase Protection® Plan†8
  • Mobile Coverage
  • Mobile Device Insurance†8
Open the door to more experiences
  • Front Of The Line®10 Advance Access
  • Cardmembers can purchase presale tickets or make reservations to some of the most in-demand concerts, theatre productions, restaurants and special events before the general public
  • Front Of The Line®10 Reserved Tickets
  • During the public on-sale period for many major events, Cardmembers can purchase tickets from a block of seats reserved exclusively for American Express
  • Special Offers & Experiences for all Cardmembers
  • Throughout the year, Cardmembers can purchase a variety of special offers including advance screenings of blockbuster movies, getaway packages and special shopping deals created just for American Express
  • Special Access for all Cardmembers
  • Cardmembers can breeze through the line with American Express entrances, sit back and relax in American Express Lounges and enjoy express service at American Express bars in select venues and events across Canada
More ways to grow your cashback
  • Free Additional Cards
  • Add free Additional Cards5 to your account – purchases charged to Additional Cards can help increase your annual cash back balance
  • Refer a friend
  • As an eligible Basic Cardmember, refer friends and family to these Cards and for every approved referral you11 could earn a referral bonus that will be added to your cash back balance12,13. Offer subject to change at any time.
Other Card Features
  • Contactless Payments
  • To make a contactless purchase, look for the contactless symbol during checkout at American Express merchants. Simply tap your chip Card over the secure reader and collect more cash back
  • Fraud Protection Guarantee
  • Use your Card 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
  • Emergency Card Replacement
  • If your Card or Additional Cards 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
  • Relationship Care
  • You can rely on us 24/7 to give you an answer. Simply call the number on the back of the Card to speak to one of our Customer Care Professionals. That’s one way we deliver Relationship Care for our Cardmembers

SimplyCash Preferred® Card from American Express

SimplyCash Preferred® Card from American Express

Earn up to $400 in statement credits
New SimplyCash® Preferred Card from American Express Cardmembers, you can earn a $40 statement credit for each monthly billing period in which you spend $750 in purchases on your Card in your first 10 months. That could add up to $400 in statement credits.1** Earn 4% cash back on eligible gas purchases in Canada, 4% cash back on eligible grocery purchases in Canada (up to $1200 cash back annually), and 2% cash back on all other purchases.2

SimplyCash® Card from American Express

SimplyCash® Card from American Express

Earn up to $100 in statement credits
New SimplyCash® Card from American Express Cardmembers, you can earn a $10 statement credit for each monthly billing period in which you spend $300 in purchases on your Card in your first 10 months. That could add up to $100 in statement credits.3** Earn 2% cash back on eligible gas purchases in Canada, 2% cash back on eligible grocery purchases in Canada (up to $300 cash back annually), and 1.25% cash back on all other purchases.4
Important information
  • *Subject to approval. The preferred rate for purchases is 20.99% and funds advances is 21.99%. If you have Missed Payments, the applicable rates for your account will be 24.99% 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.

    **Current or former Cardmembers with this Card are not eligible. Other terms apply.
Important information
  • *Subject to approval. The preferred rate for purchases is 20.99% and funds advances is 21.99%. If you have Missed Payments, the applicable rates for your account will be 24.99% 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.

    **Current or former Cardmembers with this Card are not eligible. Other terms apply.
Footnotes
1. Welcome Bonus of up to $400 in Statement Credits - This offer is only available to new SimplyCash® Preferred Card from American Express Cardmembers. For current or former SimplyCash® Preferred Card from American Express Cardmembers, we may approve your application, but you will not be eligible for this offer. Offer subject to change at any time. To qualify, you must have at least $750 in net purchases posted to your account by the last day of each monthly billing period in the first 10 months of Cardmembership. Purchases made during a billing period but posted after the end of that billing period may not count towards eligible spend for that month. If this occurs, that purchase will count towards eligible spend for the next billing period. For example, if your monthly billing period is from Aug 15 to Sept 14, a purchase made on Sept 14 (transaction date) and posts on Sept 15h (posting date) may not count for eligible spend for that month. In this case, that purchase will count towards spend in the next month’s billing period. If the Aug 15 to Sept 14 period was your 10th monthly billing period, then the purchase made on Sept 14 and posting on Sept 15 would not count toward this offer. Statement credit will be reversed if returns result in the required spend threshold not being achieved. Account must be in good standing. Please allow up to eight weeks for your statement credits to be credited to the account. A statement credit does not constitute a payment and does not satisfy the requirement to pay the minimum due on a credit card. The Basic Cardmember must continue to make separate payments of at least the minimum due in accordance with the Cardmember agreement and account statement applicable to their registered Card account.  Interest rate charges, annual fees, other fees and cash equivalent transactions are not purchases and do not qualify for this offer. All references to you means the Basic Cardmember.
2. You can earn 4% cash back for eligible purchases at American Express retail merchants as follows: (i) at stand-alone automobile gasoline stations in Canada, and (ii) at stand-alone grocery stores in Canada, up to a maximum of $30,000 in purchases posted to your account on this category (equal to $1,200 cash back) annually. Once the maximum is reached, you will no longer earn 4% regardless of credits, returns and adjustments subsequently posted to your account. After that, you will then earn 2% on eligible purchases. Calculation resets to zero each year on the Cardmembership anniversary date. Purchases at merchants where gas and grocery are not their primary business (including superstores, wholesale clubs, alcohol retailers and general merchandise retailers) do not qualify for these categories. 

Merchants are typically assigned codes and categorized based on what they sell. Earn rate of 2% cash back on eligible purchases applies when the merchant code is not in an eligible category, using a payment account or service of a third party, a card reader attached to a mobile phone or online retailer that sells goods of other merchants or the merchant category is otherwise not identified. Provided your account is in good standing, cash back can be earned on eligible purchases less returns and other credits. Interest rate charges, annual fees, other fees and cash equivalent transactions are not purchases and do not qualify for cash back. If you choose to return a purchase or are otherwise entitled to a credit or adjustment that is related to a purchase, your entitlement to cash back rewards will be reduced accordingly. All deductions for returns, credits and adjustments will be calculated at the earn rate in effect at the time of the return, credit or adjustment. This means that the cash back rewards deducted from your balance may be different from the amount originally earned. Cash back is applied as a credit to your account annually and will appear on the statement issued in September of each year. The cash back calculation resets annually. All references to you means the Basic Cardmember.​
3. Welcome Bonus of up to $100 in Statement Credits - This offer is only available to new SimplyCash® Card from American Express Cardmembers. For current or former SimplyCash® Card from American Express Cardmembers, we may approve your application, but you will not be eligible for this offer. Offer subject to change at any time. To qualify, you must have at least $300 in net purchases posted to your account by the last day of each monthly billing period in the first 10 months of Cardmembership. Purchases made during a billing period but posted after the end of that billing period may not count towards eligible spend for that month. If this occurs, that purchase will count towards eligible spend for the next billing period. For example, if your monthly billing period is from Aug 15 to Sept 14, a purchase made on Sept 14 (transaction date) and posts on Sept 15h (posting date) may not count for eligible spend for that month. In this case, that purchase will count towards spend in the next month’s billing period. If the Aug 15 to Sept 14 period was your 10th monthly billing period, then the purchase made on Sept 14 and posting on Sept 15 would not count toward this offer. Statement credit will be reversed if returns result in the required spend threshold not being achieved.  Account must be in good standing. Please allow up to eight weeks for your statement credits to be credited to the account. A statement credit does not constitute a payment and does not satisfy the requirement to pay the minimum due on a credit card. The Basic Cardmember must continue to make separate payments of at least the minimum due in accordance with the Cardmember agreement and account statement applicable to their registered Card account.  Interest rate charges, annual fees, other fees and cash equivalent transactions are not purchases and do not qualify for this offer. All references to you means the Basic Cardmember.​
4. You can earn 2% cash back for eligible purchases at American Express retail merchants as follows: (i) at stand-alone automobile gasoline stations in Canada, and (ii) at stand-alone grocery stores in Canada, up to a maximum of $15,000 in purchases posted to your account on this category (equal to $300 cash back) annually. Once the maximum is reached, you will no longer earn 2% regardless of credits, returns and adjustments subsequently posted to your account. After that, you will then earn 1.25% on eligible purchases. Calculation resets to zero each year on the Cardmembership anniversary date. Purchases at merchants where gas and grocery are not their primary business (including superstores, wholesale clubs, alcohol retailers and general merchandise retailers) do not qualify for these categories.

Merchants are typically assigned codes and categorized based on what they sell. Earn rate of 1.25% cash back on eligible purchases applies when the merchant code is not in an eligible category, using a payment account or service of a third party, a card reader attached to a mobile phone or online retailer that sells goods of other merchants or the merchant category is otherwise not identified. Provided your account is in good standing, cash back can be earned on eligible purchases less returns and other credits. Interest rate charges, annual fees, other charges, and cash equivalent transactions are not purchases and do not qualify for cash back. If you choose to return a purchase or are otherwise entitled to a credit or adjustment that is related to a purchase, your entitlement to cash back rewards will be reduced accordingly. All deductions for returns, credits and adjustments will be calculated at the earn rate in effect at the time of the return, credit or adjustment. This means that the cash back rewards deducted from your balance may be different from the amount originally earned. Cash back is applied as a credit to your account annually and will appear on the statement issued in September of each year. The cash back calculation resets annually. All references to you means the Basic Cardmember.  Additional conditions and restrictions apply as set out in the cash back program terms and conditions following the Cardmember Agreement.
5. Account must be in good standing. An additional card is a supplementary card. No annual fee for supplementary cards. Supplementary Cardmembers must be at least 13 years old. Maximum of 9 supplementary cards per account.
6. Underwritten by Royal & Sun Alliance Insurance Company of Canada. This coverage can only apply when you are authorized and permitted by law to operate the rental car. You may contact the insurer at 1-888- 877-1710 in Canada and the U.S. or visit www.rsagroup.ca.
7. Underwritten by Chubb Life Insurance Company of Canada (“Chubb Life”). Use your Card to book tickets for your spouse, dependent children (under 23) or any Supplementary Cardmember and they can also be covered. Spouse and dependent children (under 23) of Supplementary Cardmembers can also be covered. You may contact the insurer at 1-877-777-1544 in Canada or visit www.chubb.com/ca.
8. Underwritten by Royal & Sun Alliance Insurance Company of Canada. You may contact the insurer at 1-888-877-1710 in Canada and the U.S. or visit www.rsagroup.ca.
9. Underwritten by Royal & Sun Alliance Insurance Company of Canada. Applies to eligible items fully charged to your Card worldwide, provided the manufacturer’s warranty is valid in Canada and the U.S. and does not exceed five years. You may contact the insurer at 1-888-877-1710 in Canada and the U.S. or visit www.rsagroup.ca.
10. Front Of The Line® - Purchase must be charged in full to an American Express Card. Subject to availability and to event and ticketing terms, restrictions, verification procedures and fees. Tickets and packages may not be transferable and should not be resold. No refunds and no exchanges subject to merchant's obligations under applicable law.
11. All references to you means the Basic Cardmember.
12. SimplyCash Preferred Referral Program Terms – Your account must be in good standing. If this is a personal or family referral, you agree to only make recommendations to known friends and family members with whom you have a relationship and who have confirmed to you that they want to receive this communication. If this is a referral in the context of your business, you agree to only make recommendations to business contacts whom you know and have consented to receive this recommendation from you. You must not send recommendations to people you do not know. Whenever you reach out to a potential referral, you will only use content we provide. Any additional statements you make cannot be inconsistent with our content and must be truthful, accurate and not misleading. You should not publish or distribute your referral link in locations where the audience is likely to include individuals with whom you do not have a business, personal or family relationship or who may not be interested in the offer. You can only receive a maximum referral bonus of $750 cash back per calendar year for approved referrals, which includes eligible referral bonus amounts from both (i) special or limited time referral offers and (ii) regular referral offers in that same calendar year. Referral bonus for each approved referral and maximum annual referral bonus limit may change at any time and if you change card products. Should the referral bonus amount change during the calendar year, you may receive a partial bonus depending on the available maximum bonus amount. You are not eligible to receive this referral bonus offer if you have already reached your maximum annual referral bonus limit. The referral bonus will be awarded to you based on each eligible referral for which American Express receives an application that is subsequently approved, subject to all applicable terms and conditions. Your referral bonus will be awarded in the calendar year in which the eligible referral application is approved and not when the referral application is received. Due to the confidential nature of the approval process, you will not be notified when applications are approved or declined and any individual you have referred must agree to allow your account to be bonused upon approval or you will not receive the referral bonus. If our records indicate that any person you have referred has opted not to receive e-mails from us, your referral will not be sent and you will not receive the referral bonus offered as part of this program. Referral program varies by product and may be modified, suspended, cancelled or otherwise terminated without notice. Cannot be combined with any other offer. If the people that you refer have already applied for the product that you are referring without participating in this program, neither you nor they will be eligible for any referral bonus that may be offered as part of this program. Likewise, if the people you refer decide to apply for a Card through this referral program other than the one you have specifically recommended, the referral bonus for which you and they may be eligible will vary. You will only use the delivery methods we provide. By participating in the referral program, you are requesting that emails be sent on your behalf to individuals with whom you have a business, personal or family relationship. If you already have an American Express Card, you are prohibited from referring yourself for any American Express Card. Any violation or abuse of this referral program including, sending emails to individuals with whom you have no business, personal or family relationship, referring yourself, and efforts to bypass, manipulate, obscure or otherwise modify the delivery and accurate presentation of the referral link, sharing tools, content, disclosures, instructions or other materials we provide will be considered a breach of these Terms and make you ineligible for any referral bonus, reverse any referral bonus awarded, and result in your termination from the program and cancellation of your Card account. Your Card account's eligibility to participate in the referral program is based on your creditworthiness and other factors including your account history with American Express. Referral program participants should allow 8 to 10 weeks for the award of the referral bonus once program criteria have been met and must be enrolled in the corresponding loyalty program (if applicable) when the referral bonus is awarded. American Express reserves the right to limit, cancel, or revoke a referral or welcome bonus if it determines, in its sole discretion, you have violated these Terms. All products and services are subject to applicable Terms and Conditions.
13. SimplyCash Referral Program Terms – Your account must be in good standing. If this is a personal or family referral, you agree to only make recommendations to known friends and family members with whom you have a relationship and who have confirmed to you that they want to receive this communication. If this is a referral in the context of your business, you agree to only make recommendations to business contacts whom you know and have consented to receive this recommendation from you. You must not send recommendations to people you do not know. Whenever you reach out to a potential referral, you will only use content we provide. Any additional statements you make cannot be inconsistent with our content and must be truthful, accurate and not misleading. You should not publish or distribute your referral link in locations where the audience is likely to include individuals with whom you do not have a business, personal or family relationship or who may not be interested in the offer. You can only receive a maximum referral bonus of $375 cash back per calendar year for approved referrals, which includes eligible referral bonus amounts from both (i) special or limited time referral offers and (ii) regular referral offers in that same calendar year. Referral bonus for each approved referral and maximum annual referral bonus limit may change at any time and if you change card products. Should the referral bonus amount change during the calendar year, you may receive a partial bonus depending on the available maximum bonus amount. You are not eligible to receive this referral bonus offer if you have already reached your maximum annual referral bonus limit. The referral bonus will be awarded to you based on each eligible referral for which American Express receives an application that is subsequently approved, subject to all applicable terms and conditions. Your referral bonus will be awarded in the calendar year in which the eligible referral application is approved and not when the referral application is received. Due to the confidential nature of the approval process, you will not be notified when applications are approved or declined and any individual you have referred must agree to allow your account to be bonused upon approval or you will not receive the referral bonus. If our records indicate that any person you have referred has opted not to receive e-mails from us, your referral will not be sent and you will not receive the referral bonus offered as part of this program. Referral program varies by product and may be modified, suspended, cancelled or otherwise terminated without notice. Cannot be combined with any other offer. If the people that you refer have already applied for the product that you are referring without participating in this program, neither you nor they will be eligible for any referral bonus that may be offered as part of this program. Likewise, if the people you refer decide to apply for a Card through this referral program other than the one you have specifically recommended, the referral bonus for which you and they may be eligible will vary. You will only use the delivery methods we provide. By participating in the referral program, you are requesting that emails be sent on your behalf to individuals with whom you have a business, personal or family relationship. If you already have an American Express Card, you are prohibited from referring yourself for any American Express Card. Any violation or abuse of this referral program including, sending emails to individuals with whom you have no business, personal or family relationship, referring yourself, and efforts to bypass, manipulate, obscure or otherwise modify the delivery and accurate presentation of the referral link, sharing tools, content, disclosures, instructions or other materials we provide will be considered a breach of these Terms and make you ineligible for any referral bonus, reverse any referral bonus awarded, and result in your termination from the program and cancellation of your Card account. Your Card account's eligibility to participate in the referral program is based on your creditworthiness and other factors including your account history with American Express. Referral program participants should allow 8 to 10 weeks for the award of the referral bonus once program criteria have been met and must be enrolled in the corresponding loyalty program (if applicable) when the referral bonus is awarded. American Express reserves the right to limit, cancel, or revoke a referral or welcome bonus if it determines, in its sole discretion, you have violated these Terms. All products and services are subject to applicable Terms and Conditions.
: All insurance coverage is subject to the terms and conditions of their respective master policies. Certain limitations, exclusions and restrictions apply. Please read your Certificates of Insurance carefully. If you are a Quebec resident, please read the Insurance Summary and Fact Sheet.
®, TM: Used by Amex Bank of Canada under license from American Express.