Side by Side Credit Cards Comparison
Amazon.ca Rewards Mastercard®VSSimplyCash® Card from American Express
Which one is better?
Amazon.ca Rewards Mastercard®
3.1
RECOMMENDED CREDIT SCORE*
SimplyCash® Card from American Express
3.8
RECOMMENDED CREDIT SCORE*
Welcome Bonus
Up to $150
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 Breakdown
Rewards breakdown is not available for this card.
Rewards Breakdown
Rewards breakdown is not available for this card.
How to Earn Rewards
- 2.5% cashback on Amazon.ca, Whole Foods and foreign currency transactions IF a prime member
- Only 1.5% on Amazon.ca and Whole foods and 1% on foreign currency transactions IF not a prime member
- 1% cashback on everything else
How to Earn Rewards
- 2% cash back on eligible gas and grocery purchases in Canada (up to $300 cash back annually)
- 1.25% cash back on all other eligible purchases
Insurance Included
Extended Warranty
Up to a year
Purchase Protection
90 days
Insurance Included
Extended Warranty
1 yearPurchase Protection
90 days or theft up to $1,000 per occurrence
Common Carrier Travel Accident Insurance
Up to $100,000
Extra Benefits
Car Rental Discount
10% off base rate of Avis Rent A Car and Budget Rent A Car
Trip and legal Assistance
Yes
Extra Benefits
Amex Experiences™
Access events and special offers curated for Cardmembers with Amex Experiences™
Interest Rates
Purchase:
21.74%
Cash Advance:
22.99%
Interest Rates
Purchase:
21.99%2
Cash Advance:
21.99%2
2 If you have 2 separate missed Payments, the applicable rates for your account will be 25.99%. If you have 3 or more separate missed payments, the applicable rates will be 29.99%.
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
Is this card worth it?
If you are a Prime member and want to maximize your cashback on your Amazon purchases, then this card is the best option for that specific purchase category. However, for other purchases, many other cards offer better benefits and rewards.
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
- Impressive Prime optimization
- Foreign currency cashback
Pros
- No annual fee
- Attractive cashback rates
- Exclusive Amex perks
- Instant decision. No credit impact.
Cons
- Low non-Amazon optimization
- Limited benefits
Cons
- Annual cashback cap
- Limited insurance
- Lower acceptance
vs MBNA True Line® Gold Mastercard®
vs MBNA True Line® Mastercard®
vs MBNA Smart Cash Platinum Plus® Mastercard®
vs MBNA Smart Cash® World Mastercard®
vs MBNA Rewards Platinum Plus Mastercard®
vs MBNA Rewards World Elite® Mastercard®
vs American Express® Aeroplan®* Card
vs Scotia Momentum® Visa* Card
vs CIBC Costco Mastercard
vs Tangerine Money-Back Mastercard
vs SimplyCash™ Preferred Card from American Express
vs PC World Elite Mastercard
vs American Express® Green Card
vs Simplii Financial™ Cash Back Visa* Card
vs Rogers Red World Elite® Mastercard
vs American Express Cobalt® Card
vs Marriott Bonvoy® American Express®* Card
vs American Express Platinum Card®
vs American Express® Aeroplan®* Reserve Card
vs American Express® Aeroplan®* Card
vs Scotia Momentum® Visa* Card
vs CIBC Costco Mastercard
vs BMO CashBack® World Elite®* Mastercard®*
vs Tangerine Money-Back Mastercard
vs SimplyCash™ Preferred Card from American Express
vs MBNA Rewards World Elite® Mastercard®
vs American Express® Green Card
vs Simplii Financial™ Cash Back Visa* Card
vs American Express Gold Rewards Card®
vs Rogers Red World Elite® Mastercard
vs Scotiabank Passport® Visa Infinite +* Card
vs Scotiabank Gold American Express® Card
vs Rogers Red Mastercard
vs American Express Cobalt® Card
Legal
*Terms and conditions apply.
If you have 2 separate missed Payments, the applicable rates for your account will be 25.99%. If you have 3 or more separate missed payments, the applicable rates will be 29.99%.
American Express is not responsible for maintaining or monitoring the accuracy of information on this website. If you apply and get approved for an American Express Card, (I/we) may receive compensation from American Express, which can be in the form of monetary payment.