Cash BackNo Annual FeeAmerican Express

SimplyCash Card from American Express

American Express

Excellent no-fee cash back card with 1.25% on everything and 2% on gas and groceries.

The SimplyCash Card from American Express is a American Express American Express card with no annual fee. It earns 2% cash back on Gas (eligible stations in Canada). Listed welcome offer value: Up to $100 bonus cash back.

Last updated October 8, 2026Source: issuer page

Key facts

Annual fee: $0
Purchase interest rate: 21.99%
Cash advance rate: 21.99%
Earn rates: 2% cash back on Gas (eligible stations in Canada); 2% cash back on Grocery (Up to $300 cash back/year ($15,000 spend), then 1.25%); 1.25% cash back on All other purchases
Welcome offer: Up to $100 bonus cash back
Foreign transaction fee: Not listed
Income requirement: Not listed

How this score is calculated

Formula

Net annual value(50%)4.8
Welcome bonus(15%)1.3
Foreign transaction fee(10%, dropped)—
Insurance & perks(15%)1.3
Purchase interest rate(10%)2.5

What are the fees and rates?

Verified 2026-10-08

Annual Fee

Additional card: $0

Purchase Interest Rate

21.99%

Cash advance: 21.99%

Foreign Transaction Fee

Not listed

What rewards does this card earn?

The SimplyCash Card from American Express earns 2% cash back on Gas (eligible stations in Canada).

Gas (eligible stations in Canada)

2% cash back

Grocery

Up to $300 cash back/year ($15,000 spend), then 1.25%

2% cash back

All other purchases

1.25% cash back

Is there a welcome offer?

Yes. The listed welcome offer value is Up to $100 bonus cash back.

5% cash back on all purchases for first 3 months (up to $2,000 spend)

Value: Up to $100 bonus cash back

Not available to current or former cardmembers

Pros

No annual fee
Strong 1.25% base rate
2% on gas and groceries

Cons

Grocery cash back capped at $300/year
Amex acceptance limited

What perks are included?

No annual fee
2% on gas and groceries
Strong base earn rate of 1.25%
Refer-a-friend up to $375 cash back/year
Amex Experiences ticket access
Plan It installment payments

What insurance is included?

Purchase Protection

Travel Coverage

Fraud Protection Guarantee

Frequently asked questions

What is the annual fee on the SimplyCash Card from American Express?

The SimplyCash Card from American Express has no annual fee.

What rewards does the SimplyCash Card from American Express earn?

2% cash back on Gas (eligible stations in Canada); 2% cash back on Grocery (Up to $300 cash back/year ($15,000 spend), then 1.25%); 1.25% cash back on All other purchases