SimplyCash Card from American Express

Last updated: June 1, 2021
  • 4% Cash back
  • $200 First-year value
Signup bonus:
4% in the first six months, up to $200 total cash back
Annual fee:
Earning rate:
1.25% cash back on all purchases
Card type:
Credit card

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.

Bonuses & Fees

As a welcome bonus, the Amex SimplyCash Card offers 4% cash back in the first six months, up to $200 total cash back.

To earn the maximum possible welcome bonus, you’d have to spend $5,000; however, since it’s not an all-or-nothing threshold you’ll still earn some bonus rewards if you fall short.

This card has no annual fee, along with no fee for adding additional users. It’s a good choice to keep around in the long run to support the longevity of your credit history and your relationship with American Express.

Earning Rewards

The SimplyCash Card from American Express has a simple earning structure: you’ll earn 1.25% cash back on all purchases.

While most other no-fee cash back cards might have higher earning rates in a few specific categories, the SimplyCash Card’s 1.25x earning rate is fairly strong for a flat-rate return on all purchases.

If you prefer a slim wallet, don’t want to pay an annual fee, and frequently shop at stores that take Amex, this card is a great choice.

Redeeming Rewards

Your cash back on the SimplyCash Card can be redeemed annually. It’s always issued automatically on your September statement, as a credit to your account.

Perks & Benefits

The SimplyCash Card by American Express comes with all of the standard perks of being an American Express cardholder, including Front of the Line event presale tickets, exclusive invites for American Express Experiences, and periodic Amex Offers for additional rebates and rewards on everyday spending.

Insurance Coverage

The insurance benefits on the Amex SimplyCash Card are fairly limited.

The card’s sole type of travel insurance is Common Carrier Accident insurance, which reimburses you up to $100,000 in the case of an unforeseen accident onboard scheduled transportation that results in bodily harm.

In addition, it offers extended warranty (doubling the manufacturer’s standard warranty, up to one additional year) and purchase protection (against accidental damage or theft within 90 days).

Apply Now

There is no minimum income requirement for this card, meaning that anyone is eligible to apply.

Follow the below link to the Amex website to learn more about this card and submit an application.

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