American Express
American Express SimplyCash Card
Earn 2% cash back on gas and groceries and 1.25% on everything else, with no annual fee. Simple, unlimited cash back that is automatically credited to your account each year.
Starting an application here does not affect your credit score. A credit check happens only when the issuer takes it further.
Annual fee
$0
Purchase rate
21.99% (purchases); 25.99%-29.99% may apply after missed payments
FX fee
2.50%
Grace period
21 days
What this card pays you
This figure reflects your spending profile against this card's published earn rates, minus the annual fee. Category caps, welcome bonuses, insurance and lounge benefits, and first-year fee waivers are excluded from this estimate.
We earn a referral fee if an application is approved. It does not affect this ranking. How we rank
Rewards in full
- 2% cash back at stand-alone gas stations and stand-alone grocery stores in Canada (2% categories capped at $300 cash back annually, then 1.25%)
- 1.25% cash back on all other eligible purchases with no limit
Rates & fees
| Annual fee | $0 |
|---|---|
| Supplementary card fee | $0 (no annual fee for supplementary Cards) |
| Purchase APR | 21.99% (purchases); 25.99%-29.99% may apply after missed payments |
| Balance transfer intro | No current balance transfer offer |
| Balance transfer rate | 21.99% (funds advance rate) |
| Balance transfer fee | No BT offer |
| Cash advance | $5.00 per funds advance in Canada ($7.50 outside Canada); 21.99% funds advance APR |
| Foreign exchange fee | 2.50% |
| Grace period | 21 days |
| Network | American Express |
Important information
Rates, fees, and offers come from the issuers and can change without notice. Confirm every detail on the issuer's site before you apply. We provide comparisons and application intake only; approval decisions rest solely with the issuer.