Rogers Red Mastercard vs SimplyCash® Card from American Express
Which one is better? Both cards worked out on the same spending: rewards, welcome bonus, fees and perks, line by line.
Welcome bonus
Each offer as the issuer words it. The numbers below show whether your spending reaches it.
The offer
The offer
Bank may have varied Welcome Bonus offers from time to time. Visit their compare cards page to learn more.
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.
What each card is worth
Rewards, the welcome bonus and any Finly rebate in, the annual fee and FX fees out, all on your spending.
Worked out on a typical $2,000 a month of spending. Enter yours to see your own numbers.
$240
First-year value
$409
$240
Every year after
$309
Amex SimplyCash is worth $169 more to you in year one.
It stays ahead after that, by $69 a year.
How the first year adds up
Rogers Red
Rogers, Fido, Shaw or Comwave customer?
Eligible customers unlock boosted rewards on this card
Annual rewards
$240
cash back a year
Welcome bonus
+ $0
no welcome offer
Annual fee
− $0
no annual fee
First-year value
$240
Annual rewards
$309.2
cash back a year
Welcome bonus
+ $100
first year only
Annual fee
− $0
no annual fee
First-year value
$409.2
Where each card earns
A year of your spending at each card's own reward rates, most first.
1%All other purchases
$240
2%Groceries
$46.44
2%Gas
$39.74
1.25%All other purchases
$223.01
Fees, rates and eligibility
What each card costs to hold and to use abroad, and who it's for.
Annual fee
Additional cards
Interest rates
Interest rates
Purchase:
21.99% - 25.99%1
Cash Advance:
22.99% - 27.99%1
Balance Transfer:
22.99% - 27.99%1
1 Standard rate on Purchases and Fees: 21.99%. Standard rate on Cash Advances, Cash-like Transactions and Balance Transfers: 22.99%. If you are not approved for an Account at the above rates and you reside outside Quebec, Rogers Bank may still issue you an Account at their alternate interest rates, as follows: Rate for Purchases and Fees: 25.99% Rate for Cash Advances, Cash-like Transactions and Balance Transfers: 27.99%
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%.
Recommended credit score
Recommended credit score
Income required
Income required
Min Personal Income:
N/A
Min Household Income:
N/A
Min Personal Income:
N/A
Min Household Income:
N/A
How each card earns
The earn rates and caps, as each issuer sets them.
- Earn 2% cash back on all eligible purchases if you have 1 qualifying service with Rogers, Fido, Shaw or Comwave. Otherwise, earn 1% cash back on eligible non-U.S. dollar purchases.
- Earn 2% cash back in all eligible purchases made in U.S. dollars.
- 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 and perks
What both cards include comes first in each list.
Insurance
Insurance
No insurance included.
Common Carrier Travel Accident Insurance
Up to $100,000
Extended Warranty
1 year
Purchase Protection
90 days or theft up to $1,000 per occurrence
Perks
Perks
Roam Like Home Days
Get 5 Roam Like Home days at no cost, every year, with an eligible Rogers mobile plan.
Amex Experiences™
Access events and special offers curated for Cardmembers with Amex Experiences™
Our take
Why we like it
Why we like it
This card is one of our top-ranked options in terms of rewards, especially if you have 1 qualifying service with Rogers, Fido, Shaw or Comwave. With a qualifying service, you can effectively receive up to 2% cashback, which is competitive among other no-fee contenders. If you have a high income of $80K or a household income of $150K, you can apply for the World Elite® version of this card, which comes with additional insurance and benefits like a lounge pass.
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
- No annual fee
- Member boosting opportunities
- USD optimization
- Roam Like Home days
- Wide acceptance
- No annual fee
- Attractive cashback rates
- Exclusive Amex perks
- Instant decision. No credit impact.
Cons
Cons
- No insurance
- Low non-member rewards
- Annual spending caps
- Annual cashback cap
- Limited insurance
- Lower acceptance
More comparisons
Other cards we've put each of these up against.
vs Amex Cobalt
vs Amex Platinum
vs Amex SimplyCash™ Preferred
vs BMO CashBack World Elite
vs CIBC Costco Mastercard
vs Neo World Elite® Mastercard – Gas & Grocery
vs Rogers Red World Elite
vs Scotia Amex Gold
vs Scotia Momentum Visa
vs Scotia Momentum Visa Infinite +
vs Scotiabank Passport
vs Simplii Financial Visa Card
vs Tangerine Money-Back
vs TD Aeroplan Visa Infinite
vs Amazon Rewards Mastercard
vs Amex Aeroplan Reserve
vs Amex Aeroplan®
vs Amex Cobalt
vs Amex Gold
vs Amex Green
vs Amex Marriott Bonvoy
vs Amex Platinum
vs Amex SimplyCash™ Preferred
vs BMO CashBack World Elite
vs CIBC Costco Mastercard
vs MBNA Rewards World Elite
vs Rogers Red World Elite
vs Scotia Amex Gold
vs Scotia Momentum Visa
vs Scotiabank Passport
vs Simplii Financial Visa Card
vs Tangerine Money-Back
Legal
Rogers Bank is not responsible for maintaining or controlling the accuracy of the information published on this website. For full and up-to-date product information and applicable terms and conditions, visit Rogersbank.com. ®/TM Mastercard, World Elite and the circles design are registered trademarks of Mastercard International Incorporated. Used under License. TM Rogers and Mobius Design, Rogers Bank and related marks, logos and brand names are trademarks of Rogers Communications Inc., or an affiliate, used under license. © 2026 Rogers Bank. Rogers Bank is the issuer of this credit card.
*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.
