Cash Back

• Up to 2% cash back on groceries, gas, electric vehicle charging and recurring payments. And 0.5% everywhere else
• Earn additional cash back at over 10,000 Neo network partners
• No annual fee
• Secured option to build credit history

• Up to 5% cashback on groceries, 4% on recurring payments, 3% on gas, electric vehicle charging, and 1% everywhere else
• Mastercard World Elite travel benefits including collision coverage for car rentals, comprehensive travel insurance and a subscription to DragonPass
• Instant credit limit up to $30,000
• Earn additional cash back at over 10,000 Neo network partners
• Annual fee of $125
• Secured option to build credit history

• During your first 3 months of membership with the SimplyCash^® Card from American Express, you can earn a bonus of 5% cash back on all your purchases (up to $2,000 in purchases). This offer is in addition to your everyday cash back rates. That's up to $100 in bonus cash back.
• Earn 2% cash back on eligible purchases at Canadian gas stations, 2% cash back on eligible purchases at Canadian grocery stores (up to $300 cash back per year), and 1.25% cash back on all other eligible purchases.
• Access events and special offers curated for Cardmembers with Amex Experiences^TM
• Insurance coverage and 24/7 Customer Service

Apply with confidence!

• See if you’ll be approved before you apply – with no impact to your credit score.*
• When applying for a new card, businesses will typically run a “hard check” of your credit report. A hard credit check can cause a temporary impact to your credit score.
• Unlike many lenders, for American Express’ personal cards, you can see if you will be approved before you apply without impacting your credit score
• A soft credit check is a check into your credit report initiated either by you or a company even if you didn’t apply for credit. It is primarily used to screen for pre-approval financing offers or for a background check
• Available for American Express personal cards, we’ll let you know your eligibility with no impact to your credit score, so you can submit your application with confidence.*

*Instant decisions are only available for Consumer (also known as Personal) Card applications.

• Get $25 cash back when you sign up for the Neo Mastercard.

• Welcome Offer: $25 cash bonus for any new Wealthsimple client who opens and funds their account with as little as $1 within 30 days
• No monthly fees
• No foreign transaction fees
• No ATM fees

Everyday cashback

• 6% on average on restaurants, bars and cafés
• 4% on your favorite apps (Netflix, Disney+, Crave, Apple, Uber, Lyft, SkipTheDishes, DoorDash and UberEats)
• Up to 3% on gas and groceries

Features and benefits

• Personalized insights powered by generative chat AI (coming soon)
• Digital card available to use immediately
• Get cashback at thousands of local and national partners

2.99% introductory interest rate on Balance transfers for the first 6 months (22.99% after that, annual fee $79)

• 3% back on eligible purchases at gas stations, restaurants, office supply stores, and electric vehicle charging stations
• 2% back on eligible shipping services and accounting or bookkeeping services, as well as on eligible recurring bill payments
• 1% back on all other everyday business purchases
• 25-day interest-free grace period on new purchases
• Suite of comprehensive insurances
• Enjoy the flexibility of buying now and paying little by little with Scotia SelectPay^TM