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Welcome Rate

New SimplyCashTM Preferred Card from American Express Cardmembers can earn 10% cash back on eligible gas, grocery and restaurant purchases in Canada for the first 6 months of Cardmembership (up to $300 cash back).1

Earn Rate

Earn 2% cash back on all other purchases and when your Welcome Rate ends.2

Insurance Benefits

Get access to insurance benefits including Emergency Medical Insurance†3 (Out of Province/Country), Flight Delay Insurance†3 and more.

Unlimited Cash Back

There’s no limit to the amount of cash back you can earn.

  • Earn 2% cash back on everything you buy when your welcome rate ends2
  • Supplementary Cards are free4
  • Get access to insurance benefits including Emergency Medical Insurance†3 (Out of Province/Country), Flight Delay Insurance†3 and more.
  • American Express Invites®9, including Front Of The Line®9 Advance Access
  • $99 annual fee (the annual interest rate is 19.99% on purchases and 22.99% on funds advances*)
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
$ /mo
$ /mo
$ /mo
Cash back earned in the first 6 months
$432.00
+
Cash back earned for the rest of the year
$192.00
=
Total potential annual cash back earned◊◊
$624.00

◊ 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.

  • Car Rental Theft and Damage Insurance†5
    Car Rental Theft and Damage Insurance†5
    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†6
    $100,000 Travel Accident Insurance†6
    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†3 (Out of Province/Country)
    Emergency Medical Insurance†3 (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†3
    Lost or Stolen Baggage Insurance†3
    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†3
    Flight Delay Insurance†3
    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†3
    Baggage Delay Insurance†3
    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†3
    Hotel / Motel Burglary Insurance†3
    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.
  • Buyer’s Assurance® Protection Plan†7
    Buyer’s Assurance® Protection Plan†7
    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†8
    Purchase Protection® Plan†8
    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.
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.
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.
  • Fraud Protection Guarantee
    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
    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.
  • 24/7 Customer Service
    24/7 Customer Service
    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.
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.
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.
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

SimplyCash™ Preferred Card from American Express

You must apply online through
the link provided on this page to
be eligible for this offer.

*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.