American Express · Rewards Calculator
SimplyCash Card from American ExpressRewards Calculator
| Category | Earn Rate |
|---|---|
| Eligible gas and grocery purchases in Canada (stand-alone gasoline stations and grocery stores), up to $15,000 annually | 2% cash back |
| All eligible purchases after reaching the $15,000 annual gas and grocery cap | 1.25% cash back |
| All other eligible purchases where merchant is not in an eligible category | 1.25% cash back |
| All purchases in the first three months, up to $2,000 in purchases | 5% bonus cash back (welcome offer) |
Enter Your Monthly Spending
We'll calculate your cash back earnings by category
Supermarkets & grocery stores
Restaurants, takeout, food delivery
Gas stations & EV charging
Public transit, Uber, taxis
Flights, hotels, car rentals
Netflix, Spotify, digital subs
Phone, internet, utilities
Pharmacies & drugstores
Movies, events, concerts
Everything else
Enter your monthly spending above
Fill in how much you spend in each category to see a detailed breakdown of your cash back earnings with the SimplyCash Card from American Express.
Or try a quick-fill preset to get started
Ready to apply for the SimplyCash Card from American Express?
Read our full review for detailed information on benefits, insurance coverage, and how to maximize your cash back.
Welcome Bonus
Bonus
Up to $100 bonus cash back
~$100 estimated value
How to Earn It
5% bonus cash back on all purchases, up to $100
Spend $2,000 first three months
Card Details
- Annual Fee
- No annual fee
- Network
- Amex
- Rewards Program
- Cashback
- Purchase Interest Rate
- 21.99%
- Cash Advance Rate
- 21.99%
- Foreign Transaction Fee
- 2.5%
- Lounge Access
- No
How to Use the SimplyCash Card from American Express Rewards Calculator
This calculator helps you estimate how many cash back you can earn each month and year based on your real spending habits. Enter your average monthly spending in each category above — groceries, dining, gas, transit, travel, streaming, and more — and the calculator will automatically apply the SimplyCash Card from American Express's earn rates to show you a complete breakdown.
Understanding SimplyCash Card from American Express Earn Rates
The SimplyCash Card from American Express earns cash back at different rates depending on the spending category. Here's how the card's tiered earn structure works:
- Eligible gas and grocery purchases in Canada (stand-alone gasoline stations and grocery stores), up to $15,000 annually: 2% cash back
- All eligible purchases after reaching the $15,000 annual gas and grocery cap: 1.25% cash back
- All other eligible purchases where merchant is not in an eligible category: 1.25% cash back
- All purchases in the first three months, up to $2,000 in purchases: 5% bonus cash back (welcome offer)
By focusing your spending on the highest-earning categories, you can maximise the value you get from the SimplyCash Card from American Express. Use the presets above to quickly model different spending profiles and see how your rewards change.
Maximising the Value of Your cash back
The true value of your cash back depends on how you redeem them. As part of the Cashback program, you have several redemption options available — from travel bookings to transfer partners. Use the point valuation slider in the calculator to see how different redemption strategies affect the dollar value of your earnings.
No Annual Fee Advantage
One of the benefits of the SimplyCash Card from American Express is that it has no annual fee, meaning every point you earn is pure value. There's no annual cost to offset, so even modest spending can deliver meaningful rewards over time.