SimplyCash Card from American Express

5% Cashback & 1.99% Balance Transfer for first 6 months

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bal.trans.: 1.99%
cash.adv.: 21.99%

No Annual Fee

5% Cashback & 1.99% Balance Transfer for first 6 months

New SimplyCashTM Card from American Express Cardmembers can earn 5% cash back on all eligible purchases for the first 6 months.

Introductory Balance Transfer - Enjoy an interest rate of 1.99% in first 6 months** 


SimplyCashTM Card from American Express is market leading flat rate cash back Card with no annual fee.

  • New SimplyCashTM Card from American Express Cardmembers can earn 5% cash back on all eligible purchases at gas stations, grocery stores and restaurants in Canada (up to $250 cash back) for the first 6 months of Cardmembership
  • Optional Balance Transfer Offer to new Cardmembers – Enjoy a special 1.99% introductory interest rate on transferred balances in the first 6 months if you choose to transfer your other credit card balances to this American Express card at time of online application. There is no balance transfer fee at time of application.
  • Earn 1.25% cash back on all other purchases when your Welcome Rate ends
  • No limit to the amount of cash back you can earn
  • No annual fee for Supplementary Cards
  • Access to memorable experiences with American Express Invites®
  • Insurance coverage and 24/7 Customer Service
  • You can use Apple Pay on your eligible device to pay for goods and services at participating American Express contactless merchants

American Express Invites

Say hello to American Express Invites. It opens the door to memorable experiences we think you’ll love:

  • Front Of The Line ®4 Advance Access
  • Front Of The Line ® Reserved Tickets
  • Front Of The Line ® E-Updates
  • Special Offers & Experiences for all Cardmembers
  • Special Access for all Cardmembers

Insurance Coverage

Peace of mind can come with the coverage available on the SimplyCash Card from American Express:

  • Car Rental Theft and Damage Insurance
  • $100,000 Travel Accident Insurance

World-class Service

We offer customer service you can count on – anywhere, any time:

  • Relationship Care
  • Fraud Protection Guarantee
  • Emergency Card Replacement

More Details


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

  • You are a Canadian resident and have a Canadian credit file
  • You are of the age of majority in the province or territory of residence
  • You have an annual personal income of at least $15,000 or more.
  • In the past 7 years, you have not filed for bankruptcy.


Fine Print:

*Subject to approval. The preferred rate for purchases is 19.99% and funds advances is 21.99%. 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.