Quels sont les frais annuels de la carte SimplyCash Card from American Express?

La carte SimplyCash Card from American Express n’a pas de frais annuels.

La carte SimplyCash Card from American Express en vaut-elle la peine?

Pour des dépenses typiques de 2 000 $ par mois, WalletReturn estime 329 $ en récompenses annuelles nettes après les frais annuels et 329 $ de valeur la première année, prime de bienvenue comprise. Votre résultat dépend de vos dépenses dans ses catégories bonifiées.

Combien de points ou de remise en argent la carte SimplyCash Card from American Express rapporte-t-elle?

2% cash back on eligible Canadian gas; 2% on the first $15,000 of eligible Canadian groceries per Cardmembership anniversary year, then 1.25%; 1.25% on other eligible purchases.

Quel est le taux d’intérêt de la carte SimplyCash Card from American Express?

Le taux d’intérêt sur les achats est de 21,99 %.

Les noms officiels des produits sont conservés. Les textes sans version française restent identifiés en anglais; les conditions de l’émetteur font foi.

SimplyCash Card from American Express

American Express

Remise en argent

Accumulation des récompenses

2% cash back on eligible Canadian gas

Frais annuels: 0,00 $
Valeur de la prime la première année: 0 $
Récompenses annuelles nettes: 329 $
Valeur la première année: 329 $

Selon des dépenses typiques de 2 000 $ par mois, après les frais annuels. Voir le détail

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Dernière vérification : 9 octobre 2026. Confirmez les conditions actuelles auprès de l’émetteur.Source officielle de l’émetteur

Détails de la carte

Frais annuels

Carte principale : 0 $

Cartes supplémentaires : 0 $

Taux d’intérêt

Achats : 21,99 %

Avances de fonds : 21,99 %

Revenu annuel

Aucun minimum publié

Opérations en devises

Frais : À confirmer auprès de l’émetteur

Type de carte

American Express · Remise en argent

Récompenses

Programme : Remise en argent

Émetteur

American Express

L’approbation relève de l’émetteur.

Comment vous accumulez des récompenses

2% cash back on eligible Canadian gas
2% on the first $15,000 of eligible Canadian groceries per Cardmembership anniversary year, then 1.25%
1.25% on other eligible purchases

Combien cette carte vaut-elle pour vous?

Selon des dépenses typiques de 2 000 $ par mois

Valeur estimée la première année

329,00 $

net annual rewards

Récompenses annuelles nettes: 329,00 $

Détail des récompenses annuelles

Amex Canadian standalone grocery purchases	60,00 $
Autres achats	49,50 $
Achats en ligne	45,00 $
Épicerie	37,50 $
Restaurants et repas	30,00 $
Paiements récurrents	30,00 $
Essence et recharge de véhicules électriques	29,25 $
Voyages	15,00 $
Divertissement	15,00 $
Transport en commun	12,00 $
Pharmacies	6,00 $
Frais annuels	0,00 $
Récompenses annuelles nettes	329,00 $

Utiliser vos propres dépenses

Requiert vos données
Complete spending details. Complete spending details to calculate your rewards.

View illustrative rewards

Illustrative example — not your personalized estimate. Example: $2,000/month · $24,000/year · no bonus. Uniform full reward year; half of applicable categories is allocated to eligible scopes, split across sibling scopes; streaming $25, portal/digital/membership $0. These are scenario assumptions. No fee waiver is included. This example does not change your spending profile. Edit example allocations in the card's Rewards & conditions menu.

Illustrative annual rewards: 329,25 $
Frais annuels habituels: 0,00 $
Illustrative net ongoing value: 329,00 $

Actual rewards depend on eligible purchases, caps and redemption rules. Interest is excluded. Personalize this calculation

Complete these assumptions to calculate your value:

Confirm whether your spending mix is typical throughout one complete rewards year.
Confirm whether this profile includes all purchases for this account, including additional cardholders.
Enter monthly Eligible Amex Canadian standalone grocery purchases. This is part of your existing spending.
Enter monthly Eligible Amex Canadian standalone gas purchases. This is part of your existing spending.

Using typical spending

$2,000/month in Canadian-dollar card spending. Travel benefits assumed usable.

Edit spending

Calculation assumptions for this card

Annual estimate assumptions for SimplyCash Card from American Express

Ongoing rewards use one complete reward/reset cycle with an even spending mix. Year 1, when available, uses the separate offer qualifications below; this does not estimate year-to-date or remaining allowance. Blank means unknown; enter 0 for none. Each amount is part of its parent spending.

Enter eligible net purchase spending only. Exclude cash advances, fees, interest and purchases that do not earn cashback. The estimate assumes an open account in good standing and does not model refund timing, mid-cycle rate changes or payout dates.

Les montants particuliers de cette carte sont explicitement fixés à 0 $; les dépenses de la catégorie continuent de suivre le taux de base examiné.

Eligible Amex Canadian standalone grocery purchases · CAD/monthCanadian standalone grocery stores classified by Amex. Exclude wholesale clubs, alcohol retailers, superstores and general merchandise stores; third-party processing may receive only the base rate. Parent: $500/month; remaining: $500/month.Eligible Amex Canadian standalone gas purchases · CAD/monthCanadian standalone automobile gasoline stations classified by Amex; exclude EV charging and merchants whose primary business is not gasoline. Parent: $150/month; remaining: $150/month.Je suppose une répartition uniforme des dépenses pendant tout le cycle de récompensesCe profil représente tous les achats de ce compte, y compris ceux des titulaires supplémentaires concernés

Monthly spending details

Review your monthly spending. Apply changes to update your profile across WalletReturn.

Taux d’accumulation, plafonds et options d’échange

Typical spending: $2,000/month · $24,000/year · net of annual fee

First-year bonus: 0,00 $
Récompenses annuelles nettes: 329,00 $
Valeur la première année: 329,00 $

Redemption methods

Standard point value
—

Bonus rates apply to eligible purchases; everything else earns the base rate.

Points Breakdown — earning schedule
Spending category	Earning rate	Restrictions & Spending cap	Annual earning
Amex Canadian standalone grocery purchases	2% cash back	Up to $15,000 a anniversary year (shared) $15,000.00 eligible pool purchases / anniversary year After cap: 1.25% cash back	60,00 $
Amex Canadian standalone gas purchases	2% cash back	See rules Uncapped under the reviewed ongoing schedule	18,00 $
Other & non-bonus-eligible purchases	1.25% cash back	Base rate on residual purchases; merchant bonus eligibility not assumed	251,25 $

Full base-rate purchase details (10 categories)

Residual purchases	Base rate	Annual purchases	Annual earning
groceries	1.25% cash back	3 000,00 $	37,50 $
dining	1.25% cash back	2 400,00 $	30,00 $
gas	1.25% cash back	900,00 $	11,25 $
transit	1.25% cash back	960,00 $	12,00 $
travel	1.25% cash back	1 200,00 $	15,00 $
recurring bills	1.25% cash back	2 400,00 $	30,00 $
entertainment	1.25% cash back	1 200,00 $	15,00 $
drugstore	1.25% cash back	480,00 $	6,00 $
online shopping	1.25% cash back	3 600,00 $	45,00 $
other	1.25% cash back	3 960,00 $	49,50 $

Offre de bienvenue

Check the issuer for current offer terms. Year 1: Year 1 unavailable: issuer marketing currently advertises extra 5% on up to $2,000 of purchases in the first three months. This is introductory percentage earning, not a fixed welcome component; dynamic product-page access also prevented complete direct offer verification.

Assumptions, restrictions & sources

Using typical spending. Annual rewards below are before the regular annual fee and exclude welcome offers.

Purchase scopes, account thresholds or shared limits affect earning. Eligible purchase scopes, spending thresholds or shared limits require the complete rules and calculation ledger.

Only the selected certified method is calculated. Optional travel assumptions appear separately and are not guaranteed redemption rates.

Published earning schedule

2% cash back on eligible Canadian gas; 2% on the first $15,000 of eligible Canadian groceries per Cardmembership anniversary year, then 1.25%; 1.25% on other eligible purchases.

Restrictions, caps & redemption

The grocery allowance resets on the Cardmembership anniversary; annual cashback payout is a separate August/September billing process.
The uncapped gas/base schedule is preserved.
Model a complete allowance cycle with no cross-rate returns, cap-restoring refunds, card conversions or introductory earning.
The engine does not simulate posting order, transaction rounding or the separate payout calendar.
Use Amex-eligible standalone Canadian merchant allocations. The issuer states the $15,000 grocery purchase threshold explicitly; the cap is not an inferred rewards-dollar conversion. Exclude cash equivalents, interest, fees, advances and purchase adjustments.
CAD annual statement credit, appearing on the September statement when the account is in good standing. The agreement calculation date is the first billing closing date on/after August 1; this is separate from the grocery cap anniversary reset.

Regular annual fee: $0.00. The value ledger deducts applicable fees separately.

Total annual estimated reward value: $329.25.

Year 1 estimate unavailable. issuer marketing currently advertises extra 5% on up to $2,000 of purchases in the first three months. This is introductory percentage earning, not a fixed welcome component; dynamic product-page access also prevented complete direct offer verification.

Issuer CAD cashback account credit at face amount; no point conversion or assumed partner value.

Use Amex-eligible standalone Canadian merchant allocations. The issuer states the $15,000 grocery purchase threshold explicitly; the cap is not an inferred rewards-dollar conversion. Exclude cash equivalents, interest, fees, advances and purchase adjustments. CAD annual statement credit, appearing on the September statement when the account is in good standing. The agreement calculation date is the first billing closing date on/after August 1; this is separate from the grocery cap anniversary reset.

Issuer category definitions, earning limits and restrictions apply.

Assurances et avantages

We’re still confirming this card’s coverage. The issuer’s certificate of insurance has the full insurance details.

Page du produit chez l’émetteur

Points forts et points faibles

Points forts

2% cash back on eligible Canadian gas
Sans frais annuels

Points faibles

Les catégories bonifiées ont des plafonds de dépenses
Amex n’est pas acceptée partout

Échange

Minimum, délais et restrictions d’échange

The grocery allowance resets on the Cardmembership anniversary; annual cashback payout is a separate August/September billing process.
The engine does not simulate posting order, transaction rounding or the separate payout calendar.

CAD annual statement credit, appearing on the September statement when the account is in good standing. The agreement calculation date is the first billing closing date on/after August 1; this is separate from the grocery cap anniversary reset.

Sources et mentions légales

Points à considérer

L’acceptation d’Amex varie selon le commerçant.
Confirmez auprès de l’émetteur les frais, les restrictions d’accumulation, les conditions d’adhésion et les modalités actuelles avant de faire une demande.

Dernière vérification : 9 octobre 2026.

Ce qui n’est pas inclus

Les valeurs n’incluent pas les frais d’intérêt : elles supposent que vous payez votre solde en entier chaque mois. Les assurances et les avantages sans valeur fixe en dollars sont indiqués, mais pas comptés.

WalletReturn est un site de comparaison indépendant, pas l’émetteur de la carte. Les valeurs sont des estimations.

Divulgation publicitaire : WalletReturn peut toucher une commission lorsque vous faites une demande au moyen de certains liens. Cela ne change ni nos calculs ni l’ordre des cartes. Consultez notre méthodologie publiée et divulgation publicitaire.

Vérifiez les conditions actuelles du produit auprès de l’émetteur avant de faire une demande.

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