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American Express® Green Card
3.9
SimplyCash® Card from American Express
3.8
Rewards Breakdown
Annual Rewards
$467.86
American Express Membership Rewards
First Year Bonus Value
$210
American Express Membership Rewards
Annual Fee
$0
First Year Value
$677.86
$467.86 in years after
Based on $2,000/mo average spending. Calculate your rewards.
Rewards Breakdown
Annual Rewards
$311.78
First Year Bonus Value
$100
Annual Fee
$0
First Year Value
$411.78
$311.78 in years after
Based on $2,000/mo average spending. Calculate your rewards.
Insurance Included*
Extended Warranty
Purchase Protection
Insurance Included*
Extended Warranty
Purchase Protection
Travel Accident
Extra Benefits*
Amex Experiences™
Extra points
Extra Benefits*
Amex Experiences™
Interest Rates*
Purchase:
21.99%1
Cash Advance:
21.99%1
Interest Rates*
Purchase:
21.99%2
Cash Advance:
21.99%2
Annual Fee*
$0
Annual Fee*
$0
Income Required*
Min Personal Income:
N/A
Min Household Income:
N/A
Income Required*
Min Personal Income:
N/A
Min Household Income:
N/A
Welcome Bonus*
Earn a Welcome Bonus of 10,000 points when you charge $1,000 in purchases to your Card in the first 3 months.
Welcome Bonus*
In your first 3 months as a new SimplyCash® Card from American Express Cardmember, you can earn a bonus 5% cash back on all purchases (up to $2,000 in purchases). That’s on top of your everyday cash back earn rates. That’s up to $100 in bonus cash back.
Rewards Rate*
Rewards Rate*
Loyalty Program*
Loyalty Program*
N/A
Point Redemption Options*
Most Optimal
Transfer to Airline Partners
Fixed Point Travel Program
Transfer to Hotel Partners
Statement Credits (Cash)
Gift Cards
Amazon.ca
Merchandise
Point Redemption Options*
Not Applicable
Is this card worth it?
The American Express® Green Card is a great option for those looking for a no-frills card that earns rewards on all purchases without any annual fee or minimum income requirement. It's an accessible card with no cap on rewards, making it ideal for those who want to earn points without the higher costs and complexities of premium cards. However, it does come with lower rewards earnings across most categories and a modest welcome bonus.
Is this card worth it?
The SimplyCash® Card from American Express stands out for its no annual fee and strong cash-back earning potential, offering up to $100 in statement credits within the first 10 months. What makes it even more appealing are the unique perks, such as early access to concert tickets and extra layers of security for online shopping. These extra benefits, along with the affordability, make it a strong contender for those looking for a reliable cash-back card with no annual fee. It's an excellent choice for everyday spending while still enjoying exclusive Amex advantages.
Pros
Pros
Cons
Cons
vs American Express Cobalt® Card
vs Scotiabank Gold American Express® Card
vs Scotiabank Passport® Visa Infinite* Card
vs Rogers Red World Elite® Mastercard®
vs American Express Gold Rewards Card®
vs Simplii Financial™ Cash Back Visa* Card
vs PC World Elite Mastercard
vs MBNA Rewards World Elite® Mastercard®
vs SimplyCash™ Preferred Card from American Express
vs Amazon.ca Rewards Mastercard®
vs BMO CashBack® World Elite® Mastercard®
vs CIBC Costco Mastercard
vs Scotia Momentum® Visa* Card
vs American Express® Aeroplan®* Card
vs American Express Platinum Card®
vs American Express Cobalt® Card
vs Rogers Red Mastercard®
vs Scotiabank Gold American Express® Card
vs Scotiabank Passport® Visa Infinite* Card
vs Rogers Red World Elite® Mastercard®
vs American Express Gold Rewards Card®
vs Simplii Financial™ Cash Back Visa* Card
vs MBNA Rewards World Elite® Mastercard®
vs SimplyCash™ Preferred Card from American Express
vs Amazon.ca Rewards Mastercard®
vs Tangerine Money-Back Credit Card
vs BMO CashBack® World Elite® Mastercard®
vs CIBC Costco Mastercard
vs Scotia Momentum® Visa* Card
vs American Express® Aeroplan®* Card
vs American Express® Aeroplan®* Reserve Card
vs American Express Platinum Card®
Both the American Express Green Card and the SimplyCash Card from American Express have no annual fee, making them accessible options for users who prefer to avoid yearly costs. Neither card has a specific minimum income requirement, which adds to their accessibility. This makes them both great options for those who want to avoid paying annual fees while still earning rewards.
The American Express Green Card earns points on all purchases, while the SimplyCash Card focuses on cashback, offering higher rates in select categories such as gas and groceries. The Green Card's welcome bonus is larger, but the SimplyCash Card offers a smaller, more attainable cashback bonus within the first 10 months. Both cards are solid for everyday use, but if you prefer cashback over points, SimplyCash may be the better fit.
The Green Card allows point transfers to airline and hotel partners, with optimal value achieved through travel redemptions. While these options offer flexibility for travelers, cashback is more versatile and usable for any expense, which is where the SimplyCash Card excels. If you prefer ease of use and immediate value, the SimplyCash Card's cashback structure is more convenient.
Both cards offer similar insurance coverage, such as purchase protection and extended warranty. However, the Green Card has additional travel accident insurance, making it a slightly better option for those seeking more robust travel protection. Both cards also provide access to American Express Experiences, giving users special perks like early access to concert tickets.
The American Express Green Card is better for those who prioritize earning points and redeeming them for travel. However, if you're more interested in straightforward cashback rewards, particularly for gas and groceries, the SimplyCash Card is the stronger choice. Travelers and those wanting to transfer points to loyalty programs should opt for the Green Card, while budget-conscious shoppers will benefit more from the SimplyCash Card's higher cashback rates.
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