$125
First-year value
$100
cash back
$0
Annual fee
Based on the minimum spend required to earn the full welcome bonus.
Last updated: August 19, 2025
The SimplyCash Card from American Express is a great entry-level Amex card. For a card with no annual fee, it earns rewards at quite a high rate, and also offers many standard benefits of the Amex lifestyle such as Amex Offers.
| Tier | Amount | Requirement |
|---|---|---|
| Bonus earn rate | $100 | in 3 months |
Annual Fee
Free
Additional Card
Free
No annual fee means you're building an Amex relationship at zero cost – useful leverage when premium cards need downgrade paths later.
| Category | Rate |
|---|---|
| Gas | 2% |
| Groceries | 2% |
| Everything Else | 1.25% |
Strong on gas and grocery if you shop at Amex-accepting merchants, but independent grocers and discount chains often don't take American Express – check your usual stores before committing.
No annual fee
First Year FreeFront of the Line presale access can unlock sold-out concerts and events, while Amex Offers deliver targeted rebates at grocery chains and gas stations – but travel insurance, purchase protection, and extended warranty are all absent, even compared to other no-fee cards.
Underwritten by Chubb Life Insurance Company of Canada / Belair Insurance Company Inc.
| Coverage | Maximum | Details |
|---|---|---|
| Emergency Medical | Not included | — |
| Trip Cancellation | Not included | — |
| Trip Interruption | Not included | — |
| Trip Delay | Not included | — |
| Baggage Delay | Not included | — |
| Baggage Loss | Not included | — |
| Rental Car (CDW/LDW) | Not included | — |
| Travel Accident | $100,000 | — |
| Purchase Protection | Included | 90-day coverage |
| Extended Warranty | +1 year | — |
View Certificate of Insurance (PDF)
With no travel medical, trip cancellation, or baggage coverage, this card's insurance suite is built for retail protection, not travel – pair it with a card that offers comprehensive travel insurance before booking flights or hotels.
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$250 cash back
Last updated: August 19, 2025
