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Let the
cash flow, flow.
Let the cash flow, flow.

Annual Fee

$99

The annual interest rate is 19.99% on purchases and 22.99% on funds advances*

Supplementary Cards are available at no annual fee5

$0

The annual interest rate is 19.99% on purchases and 22.99% on funds advances*

Supplementary Cards are available at no annual fee5

Build up your cash back balance

See how your monthly purchases can add up.
Use the calculator below to see the cash back you can earn with the SimplyCash and SimplyCash Preferred Cards.
$ /mo
$ /mo
$ /mo
$ /mo
SimplyCash Preferred
$0
SimplyCash
$0
Total potential cash back earned in 1st year

◊ Examples are simplified for illustrative purposes only based on the amounts spent using the SimplyCash Card and SimplyCash Preferred Card for new Cardmembers in the first year of Cardmembership. Cash back earned includes eligible purchases calculated at the welcome rate for the first six months and reflects applicable caps. For Simply Cash: Calculations are based on the purchases at eligible merchant categories in Canada. Cash back earnings are issued annually as a statement credit. For additional information on earn rates, including conditions, see the Footnotes section below. For complete terms and conditions, see the Program Terms and Conditions that follow your Cardmember Agreement.

See how your monthly purchases can add up.
Use the calculator below to see the cash back you can earn with the SimplyCash Preferred Card.
$ /mo
Cash back earned in the first 6 months
$0
+
Cash back earned for the rest of the year
$0
=
Total potential annual cash back earned◊◊
$0

◊ Cash back earned in the first six months reflects applicable caps.

◊◊ Examples are simplified for illustrative purposes only based on the amounts spent using the SimplyCash Preferred Card for new Cardmembers in the first year of Cardmembership. Cash back earnings are issued annually as a statement credit. For additional information on earn rates, including conditions, see the Footnotes section below. For complete terms and conditions, see the Program Terms and Conditions that follow your Cardmember Agreement.

See how your monthly purchases can add up.
Use the calculator below to see the cash back you can earn with the SimplyCash Card.
$ /mo
$ /mo
$ /mo
$ /mo
Cash back earned in the first 6 months
$0
+
Cash back earned for the rest of the year
$0
=
Total potential annual cash back earned◊◊
$0

◊ Cash back earned in the first six months reflects applicable caps.

◊◊ Examples are simplified for illustrative purposes only based on the amounts spent at eligible merchant categories in Canada using the SimplyCash Card for new Cardmembers in the first year of Cardmembership. Cash back earnings are issued annually as a statement credit. For additional information on earn rates, including conditions, see the Footnotes section below. For complete terms and conditions, see the Program Terms and Conditions that follow your Cardmember Agreement.

Coverage

Feel confident in your coverage.
Feel confident in your coverage.
You can enjoy the following insurance related benefits included on your SimplyCash and SimplyCash Preferred Cards.

The SimplyCash Preferred™ Card
from American Express

Travel Insurance
  • Car Rental Theft and Damage Insurance†6
    Car Rental Theft and Damage Insurance†6
    Save money when travelling with the Car Rental Theft and Damage Insurance included on your Card. Where allowed by law, you will be automatically covered for damage or theft of your rental car with an MSRP of up to $85,000. To take advantage of this protection, simply decline the Loss Damage Waiver (LDW) or similar option offered by the car rental company, and fully charge your rental to your SimplyCash Preferred Card from American Express. There’s no additional charge for this coverage, and you save yourself the daily insurance fee (usually $16 to $23 per day) charged by the car rental company.
  • $100,000 Travel Accident Insurance†7
    $100,000 Travel Accident Insurance†7
    Up to $100,000 of Accidental Death and Dismemberment Insurance covers you, your spouse and dependent children under the age of 23 when any of you travel on a common carrier (plane, train, bus or ship) and charge your tickets to your SimplyCash Preferred Card from American Express. Supplementary Cardmembers, their spouses and dependent children under age 23 are also covered.
  • Emergency Medical Insurance†8 (Out of Province/Country)
    Emergency Medical Insurance†8 (Out of Province/Country)
    Provides coverage for eligible emergency medical expenses incurred while traveling outside your Canadian province or territory of residence, for the first 15 consecutive days of each trip, up to a maximum of $5,000,000 per insured person, for all insured persons under the age of 65.
  • Lost or Stolen Baggage Insurance†8
    Lost or Stolen Baggage Insurance†8
    When you fully charge your airline tickets to your SimplyCash Preferred Card from American Express, you can receive up to $500 coverage for loss or damage to your luggage or personal effects while in transit.
  • Flight Delay Insurance†8
    Flight Delay Insurance†8
    Charge your airline ticket to your SimplyCash Preferred Card from American Express and receive up to $500 coverage (aggregate maximum with Baggage Delay Insurance) for hotel, motel, restaurant expenses and other miscellaneous items.
  • Baggage Delay Insurance†8
    Baggage Delay Insurance†8
    Book a flight with your SimplyCash Preferred Card from American Express and receive up to $500 coverage (aggregate maximum with Flight Delay Insurance) for all immediate daily reasonable and necessary emergency purchases, made within four days, for essential clothing and sundry items when your baggage on your outbound trip is delayed by six or more hours.
  • Hotel / Motel Burglary Insurance†8
    Hotel / Motel Burglary Insurance†8
    Charge your Hotel/Motel arrangements to your Simply Cash Preferred Card from American Express and receive automatic coverage of up to $500 against the loss of most personal items if your hotel/motel is burglarized.
Shopping Coverage
  • Buyer’s Assurance® Protection Plan†9
    Buyer’s Assurance® Protection Plan†9
    Automatically doubles the manufacturer’s original warranty up to one additional year when you charge the full purchase price to your SimplyCash Preferred Card from American Express.
  • Purchase Protection® Plan†10
    Purchase Protection® Plan†10
    Automatically, without registration, insures your eligible purchases against accidental physical damage and theft when you charge the full purchase price to your SimplyCash Preferred Card from American Express.
Travel Insurance
Save money when travelling with the Car Rental Theft and Damage Insurance included on your Card. Where allowed by law, you will be automatically covered for damage or theft of your rental car with an MSRP of up to $85,000. To take advantage of this protection, simply decline the Loss Damage Waiver (LDW) or similar option offered by the car rental company, and fully charge your rental to your SimplyCash Preferred Card from American Express. There’s no additional charge for this coverage, and you save yourself the daily insurance fee (usually $16 to $23 per day) charged by the car rental company.
Up to $100,000 of Accidental Death and Dismemberment Insurance covers you, your spouse and dependent children under the age of 23 when any of you travel on a common carrier (plane, train, bus or ship) and charge your tickets to your SimplyCash Preferred Card from American Express. Supplementary Cardmembers, their spouses and dependent children under age 23 are also covered.
Provides coverage for eligible emergency medical expenses incurred while traveling outside your Canadian province or territory of residence, for the first 15 consecutive days of each trip, up to a maximum of $5,000,000 per insured person, for all insured persons under the age of 65.
When you fully charge your airline tickets to your SimplyCash Preferred Card from American Express, you can receive up to $500 coverage for loss or damage to your luggage or personal effects while in transit.
Charge your airline ticket to your SimplyCash Preferred Card from American Express and receive up to $500 coverage (aggregate maximum with Baggage Delay Insurance) for hotel, motel, restaurant expenses and other miscellaneous items.
Book a flight with your SimplyCash Preferred Card from American Express and receive up to $500 coverage (aggregate maximum with Flight Delay Insurance) for all immediate daily reasonable and necessary emergency purchases, made within four days, for essential clothing and sundry items when your baggage on your outbound trip is delayed by six or more hours.
Charge your Hotel/Motel arrangements to your Simply Cash Preferred Card from American Express and receive automatic coverage of up to $500 against the loss of most personal items if your hotel/motel is burglarized.
Shopping Coverage
Automatically doubles the manufacturer’s original warranty up to one additional year when you charge the full purchase price to your SimplyCash Preferred Card from American Express.
Automatically, without registration, insures your eligible purchases against accidental physical damage and theft when you charge the full purchase price to your SimplyCash Preferred Card from American Express.

The SimplyCash™ Card
from American Express

Travel Insurance
  • Car Rental Theft and Damage Insurance†6
    Car Rental Theft and Damage Insurance†6
    Save money when travelling with the Car Rental Theft and Damage Insurance included on your Card. Where allowed by law, you will be automatically covered for damage or theft of your rental car with an MSRP of up to $85,000. To take advantage of this protection, simply decline the Loss Damage Waiver (LDW) or similar option offered by the car rental company, and fully charge your rental to your SimplyCash Card from American Express. There’s no additional charge for this coverage, and you save yourself the daily insurance fee (usually $16 to $23 per day) charged by the car rental company.
  • $100,000 Travel Accident Insurance†7
    $100,000 Travel Accident Insurance†7
    Up to $100,000 of Accidental Death and Dismemberment Insurance covers you, your spouse and dependent children under the age of 23 when any of you travel on a common carrier (plane, train, bus or ship) and charge your tickets to your SimplyCash Card from American Express. Supplementary Cardmembers, their spouses and dependent children under age 23 are also covered.
Shopping Coverage
  • Buyer’s Assurance® Protection Plan†9
    Buyer’s Assurance® Protection Plan†9
    Automatically doubles the manufacturer’s original warranty up to one additional year when you charge the full purchase price to your SimplyCash Card from American Express.
  • Purchase Protection® Plan†10
    Purchase Protection® Plan†10
    Automatically, without registration, insures your eligible purchases against accidental physical damage and theft when you charge the full purchase price to your SimplyCash Card from American Express.
Travel Insurance
Save money when travelling with the Car Rental Theft and Damage Insurance included on your Card. Where allowed by law, you will be automatically covered for damage or theft of your rental car with an MSRP of up to $85,000. To take advantage of this protection, simply decline the Loss Damage Waiver (LDW) or similar option offered by the car rental company, and fully charge your rental to your SimplyCash Card from American Express. There’s no additional charge for this coverage, and you save yourself the daily insurance fee (usually $16 to $23 per day) charged by the car rental company.
Up to $100,000 of Accidental Death and Dismemberment Insurance covers you, your spouse and dependent children under the age of 23 when any of you travel on a common carrier (plane, train, bus or ship) and charge your tickets to your SimplyCash Card from American Express. Supplementary Cardmembers, their spouses and dependent children under age 23 are also covered.
Shopping Coverage
Automatically doubles the manufacturer’s original warranty up to one additional year when you charge the full purchase price to your SimplyCash Card from American Express.
Automatically, without registration, insures your eligible purchases against accidental physical damage and theft when you charge the full purchase price to your SimplyCash Card from American Express.

Access

Open the door to more experiences.
Open the door to more experiences.

Say hello to American Express Invites®11. It opens the door to memorable experiences you’ll love.

 

Front Of The Line®11 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®11 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.

Optional Balance Transfer Offer

Optional Balance Transfer Offer.
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

More Ways To Earn

More ways to grow your cash back.
More ways to grow your cash back.

Free Supplementary Cards

Add free Supplementary Cards5 to your account – purchases charged to Supplementary Cards can help increase your annual cash back balance.

 

Refer a friend

Refer friends and family to these Cards and for every approved referral you could earn a referral bonus that will be added to your cash back balance.12

Other Card Features

Other Card Features.
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 Supplementary 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.

 

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.

Compare the SimplyCash™ Cards from American Express

Features
The SimplyCash Preferred CardSimplyCash Preferred
The SimplyCash CardSimplyCash
Welcome Rate
5% cash back in your first 6 months (up to $300 cash back)1
5% cash back on eligible gas, grocery and restaurant purchases in your first 6 months (up to $250 cash back)3.
Earn Rate
2% cash back on everything you buy.2
Plus, no limit to the amount of cash back you can earn.
1.25% cash back on everything you buy.4
Plus, no limit to the amount of cash back you can earn.
Card Type
Credit Card
Credit Card
Annual Fee
$99
The annual interest rate is 19.99% on purchases and 22.99% on funds advances*
$0
The annual interest rate is 19.99% on purchases and 22.99% on funds advances*
Supplementary Cards
Free5
Free5
Car Rental Theft and Damage Insurance†6
Yes
Yes
$100,000 Travel Accident Insurance†7
Yes
Yes
Emergency Medical Insurance†8
(Out of province/country)
Yes
Lost or Stolen Baggage Insurance†8
Yes
Flight Delay Insurance†8
Yes
Baggage Delay Insurance†8
Yes
Hotel / Motel Burglary Insurance†8
Yes
Buyer’s Assurance® Protection Plan†9
Yes
Yes
Purchase Protection® Plan†10
Yes
Yes
American Express Invites, including Front Of The Line®11 Advance Access
Yes
Yes
24/7 Customer Service
Yes
Yes
Refer a friend12
Yes
Yes

Apply Now

*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 we always receive your minimum monthly payments by the date of the next billing statement. If either: (i) you still have an amount owing from your balance transfer when the special interest rate expires; or (ii) you do not make your minimum monthly payments by the date of the next billing statement (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. 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.

Footnotes

1. 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 the Welcome Rate of 5%. 5% cash back rate applies for the first 6 months of Card membership, up to a maximum of $6,000 in purchases (equal to $300 cash back). If the bonus earn rate of 5% applies to a purchase, the base earn rate will not also apply to the same purchase. Provided your account is in good standing, cash back can be earned on purchases less returns and other credits. 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. Funds advances, interest, fees, balance transfers, Amex cheques and charges for travellers cheques and foreign currencies are not purchases and do not earn cash back rewards. Cash back is applied as a credit to your account annually. All references to you means the Basic Cardmember.

2. 2% cash back rate (base rate) applies to all card purchases. Provided your account is in good standing, cash back can be earned on purchases less returns and other credits. 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. Funds advances, interest, fees, balance transfers, Amex cheques and charges for travellers cheques and foreign currencies are not purchases and do not earn cash back rewards. All references to you means the Basic Cardmember.

3. 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 the Welcome Rate of 5%. ‘Eligible’ means only those American Express retail merchants in Canada whose primary business is within the specified category. Not every merchant where you dine or buy gas or groceries is eligible. The cash back earn rate is 1.25% of your Card purchases (and not 5%) in the following situations:

  • Purchases at superstores, wholesale clubs, alcohol retailers, general merchandise merchants, convenience stores and other merchants whose business is not limited to the eligible categories,
  • Food purchases at specialty retailers such as bakeries, butcher shops, fish markets and health food stores,
  • Gasoline purchases that are not for retail or automobile gasoline,
  • Purchases for dining within a retail store, hotel, pub, bar, club, lounge or other merchant that is not categorized as a restaurant,
  • If the merchant category for the purchase is not identified. This may happen when the transaction information we receive does not come directly from the merchant, for example, when the purchase is made (i) using your payment account with a third party, or (ii) using your Card at an online retailer that sells goods and services of other merchants, or (iii) if the merchant uses a third party payment service (such as a card reader attached to a mobile phone).

5% bonus earn rate applies for the first 6 months of Card membership, up to a maximum of $5,000 in purchases (equal to $250 cash back). If the bonus earn rate of 5% applies to a purchase, the 1.25% earn rate will not also apply to the same purchase. Cash back rebates are earned on eligible purchases (less credits and returns) provided your account is in good standing. Cash back is applied as a credit to your account annually. 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.  Funds advances, interest, fees, balance transfers, Amex cheques and charges for travellers cheques and foreign currencies are not purchases and do not earn cash back.

4. Provided your account is in good standing, cash back can be earned on purchases less returns and other credits. 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. There is no limit to the amount of cash back you can earn. Funds advances, interest, fees, balance transfers, Amex cheques and charges for travellers cheques and foreign currencies are not purchases and do not earn cash back rewards. All references to you means the Basic Cardmember.

5. No annual fee for Supplementary Cards. Must be age of majority. Maximum 9 Supplementary Cards per account. Account must be in good standing.

6. Underwritten by Royal & Sun Alliance Insurance Company of Canada. Coverage is in effect as long as you have fully charged your rental to your SimplyCash Card from American Express or SimplyCash Preferred Card from American Express. There are specific conditions that apply to who may rent and drive the rental vehicle, the length of rental and the type of vehicle covered.

7. Travel Accident Insurance is Underwritten by Chubb Life Insurance Company of Canada, Head Office in Canada: Toronto, Ontario, under Master Policy TMH600135.

8. Underwritten by Royal & Sun Alliance Insurance Company of Canada.

9. When you charge the full price on eligible purchases to your SimplyCash Card from American Express or SimplyCash Preferred Card from American Express, the coverage given under the manufacturer’s original warranty is automatically doubled for up to one additional year. Buyer’s Assurance Protection Plan is underwritten by Royal & Sun Alliance Insurance Company of Canada.

10. Underwritten by Royal & Sun Alliance Insurance Company of Canada. Coverage is in excess of any and all other applicable insurance.

11. Purchase must be charged in full to an American Express Card. Subject to availability and to event ticketing agent terms, conditions and fees. Not all seats are available. All sales are final. No refunds. No exchanges.

12. Your (the Basic Cardmember’s) account must be in good standing. Only your known friends and family members that do not already have or do not apply for this card separately from this program are eligible. Bonus is subject to our being able to communicate with applicants by e-mail and obtain their consent and subject to approval of their card application. Referral program may be modified or terminated without notice. Cannot be combined with any other offer. Bonus will be added to your cash back balance which is applied annually as a statement credit. Please review full terms and conditions for additional terms that apply.

† 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.

®, TM: Used by Amex Bank of Canada under license from American Express.