SimplyCash® Card from American Express 2026 Review

Annual fee
CA$0
Rewards rate
5%-1.25%
Welcome Bonus
CA$100
Apply Now →on American Express's website

  • 5%Bonus cash back on all purchases in the first 3 months
  • 1.25%Cash back on all other purchases

Welcome Bonus:

Earn up to $100 in bonus cash back by earning a bonus 5% cash back on all purchases (up to $2,000 in purchases) in your first 3 months.

Reward Rate:

Earn 1.25% cash back on all purchases with no limit.

The SimplyCash® Card from American Express shines for its generous welcome bonus, offering new cardholders a chance to earn significant cash back in the first few months. This card is particularly appealing for those who want a straightforward cash back option without an annual fee.

Pros:

  • No annual fee
  • Generous welcome bonus

Cons:

  • Lower ongoing cash back rate
  • Limited bonus period
Apply now →

The SimplyCash® Card from American Express is well-suited for consumers seeking a no-annual-fee credit card that offers a straightforward cash back rewards structure, particularly those who can take advantage of the initial welcome bonus. Its competitive cash back rates make it a practical choice for everyday purchases, appealing to individuals who prefer simplicity in their rewards program.

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