PayperWIZ

American Express SimplyCash cashback rate, cap and annual fee

American Express SimplyCash pays 2% on fuel, 2% on groceries and 1.25% on everything else.

This is information about each card's published terms, not a recommendation to apply. PayperWIZ arranges no credit and is paid nothing by any bank or card issuer.

American Express · Canada · catalogue v107

Read from American Express's own published terms on 28 Oct 2026.

NoneAnnual fee
CAD 15,000Spend at these rates, a year
2%Best rate

What it pays, by category

SpendingRateMonthly cap
fuel2.00%—2% at stand-alone gas stations in Canada, inside one $15,000 yearly allowance shared with groceries, then 1.25%.
groceries2.00%—2% at stand-alone grocery stores in Canada, inside one $15,000 yearly allowance shared with gas ($300 cash back), then 1.25%. Superstores, wholesale c
everything else1.25%—1.25% on all other purchases, with no limit.
No annual fee (Amex lists it among its no annual fee cards). 2% on gas and groceries, 1.25% on everything else. Resolved, lower reading: the cardmember agreement caps only groceries at $15,000 a year and leaves gas unlimited, while the terms on Amex's benefits and no-fee pages put gas and groceries together under one $15,000 a year; the shared limit is kept. Cash back is paid once a year, in September. Amex's pages read publish no foreign currency commission for this card. Source: americanexpress.com/en-ca SimplyCash benefits page, no annual fee cards page and SimplyCash cardmember agreement (Sep 2026), read 28 Oct 2026.

Questions people ask

What cashback does the American Express SimplyCash pay?

2% on fuel, 2% on groceries and 1.25% on everything else.

Is there a cap on the American Express SimplyCash?

No monthly cap is published on the rates shown here.

What is the annual fee on the American Express SimplyCash?

No annual fee.

Knowing the rate is not the same as remembering it

PayperWIZ holds the cards you actually own and names the right one at the till — after the cap you have already used this month, and after the foreign-currency fee. Every rate in it says where it came from, the way this page does: read off the issuer and dated, or marked indicative.

Download on the App Store

Other Canada cards read off the issuer