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American Express EssentialTM Credit Card

American&nbsp;Express Essential<sup>TM</sup> Credit&nbsp;Card

Low interest, low annual fee

Financial Information

Card Type
Credit Card
Annual Fee
Annual Interest Rate
12.99% on purchases and funds advances*
Additional Cards
No annual fee1

Made to back life’s big moments

For all things big and small, the American Express EssentialTM Credit Card can help carry the weight.

All Benefits

Plan It - The American Express® Installment Program 

Find control and flexibility with Plan ItTM. Split large purchases into monthly installments. Terms and conditions apply

  • No additional credit checks or applications
  • No additional interest and a fixed monthly fee
  • Earn rewards as usual
  • Learn more at

Unsure about which Card is appropriate for you? Use our Help Me Choose tool to find a Card for your wallet


To save time, make sure you can say yes to all of the following before applying for the American Express EssentialTM Credit Card:
  • 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

Important Information

    *Subject to approval. The preferred rate for purchases is 12.99% and funds advances is 21.99%. If you have 2 separate Missed Payments, the applicable rates for your account will be 24.99% for purchases and 23.99% for funds advances. If you have 3 or more separate Missed Payments, the applicable rates will be 26.99% for purchases and funds advances. 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.
    Apply now for Essential<sup>TM</sup> Credit Card and get a response in 60 seconds.

    Apply now for EssentialTM Credit Card and get a response in 60 seconds.

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