About a SimplyCash Card from American Express

A SimplyCash Card from American Express is an award-winning no-fee credit card with unlimited cash back earning opportunities. Being an affordable credit solution, this card doesn’t feature VIP benefits from American Express and its partners.

New SimplyCash Card from American Express cardholders can enjoy an accelerated 4% cash back earning rate in the first 6 months of card membership.

SimplyCash Card from American Express features

A SimplyCash Card from American Express features a 19.99% interest rate on purchases and 21.99% on funds advances. There is no annual fee for this credit card, and you can order up to 9 no-fee supplementary cards.

With a welcome offer for new applicants, you can earn 4% cash back on the first $5,000 in purchases made with your SimplyCash Card from American Express within the first six months of your card membership. After the special offer ends, you will continue earning cash back on your everyday purchases at a 1.25% base rate. American Express doesn’t set any limits on the maximum amount of cash back you can earn.

With the Referral Program from American Express, you can earn bonus cash back for referring a friend, up to a maximum annual bonus of $750 cash back for approved referrals.

In addition to cash back earning opportunities, a SimplyCashTM Card from American Express provides you with access to American Express® Experiences. With American Express® Experiences, you can get presale and reserved tickets to a variety of events, get access to entertainment, dining, retail, and wellness experiences, and get the advantage of various onsite benefits, such as access to American Express Lounges, AMEX Priority Lines, and more.

A SimplyCashTM Card from American Express is eligible for the Plan It™ Installment Program. With Plan It™, you can convert your purchases of $100 and more into manageable monthly installments and pay a monthly installment fee instead of interest.

A SimplyCashTM Card from American Express has the following insurance coverages included:

• Up to $100,000 travel accident insurance

• Buyer’s Assurance® Protection Plan extending the original manufacturer’s original warranty up to one additional year 

• Purchase Protection® Plan providing 90-day insurance for the items purchased with your credit card

Pros and cons

Here are the pros of a SimplyCash Card from American Express:

• No annual fee

• Free issuance of supplementary cards

• Unlimited cash back earning opportunities

• Eligibility for Plan It™ — The American Express® Installment Program

• 24/7 customer service 

• Credit card protection capabilities (Fraud Protection Guarantee and American Express SafeKey®)

The cons of this credit card are:

• Limits on the maximum referral bonus you can receive for referring a friend 

• Few insurance coverages included

How to apply for a SimplyCash Card from American Express

American Express accepts online applications for a SimplyCashTM Card. To proceed, click the “Apply Now” button on the credit card description page and fill out the form with the following details:

• Your first name

• Your middle name

• Your last name

• Your name on the card

• Your email

• Your date of birth

• Your postal code

• Your social insurance number (optional)

• Your phone number

• Your address

• Your personal annual income

• Your other household income

• Your employment status

• Your employer name

• Your work phone number

Then, create a PIN and specify whether you want to receive Online-Only Statements, order supplementary cards, or add AMEX® Account Protector Ultimate. After that, review your applicant information, agree to the terms and conditions, and click the “SUBMIT” button to complete your application.