Cash Back Credit Cards from American Express
Get all the benefits of an American Express® Credit Card while collecting Cash Back on all your purchases.
Why choose an American Express Cash Back Credit Card?
With any of our American Express® Cash Back Credit Cards, you can get the flexibility of earning cash back on everything you buy with your Card, along with the security and convenience of being an American Express Cardmember.
Get access to Front Of The Line® Amex Presale Tickets™1 and Amex Reserved Tickets™1 to some of the most in-demand concerts, theatre productions, and special events often before the general public.
- Earn 2% cash back on eligible gas station purchases in Canada3
- Earn 2% cash back on eligible grocery store purchases in Canada (up to $300 cash back annually)3
- Earn 1.25% cash back on all other purchases3
Earn up to $200 in bonus cash back in your first 3 months plus earn $50 when you make a purchase in month 13.4
- Earn 4% cash back on eligible gas station purchases in Canada5
- Earn 4% cash back on eligible grocery store purchases in Canada (up to $1,200 cash back annually)5
- Earn 2% cash back on all other purchases5
An American Express Cash Back Credit Card offers you:
- Travel insurance coverage
- 24/7 customer service
- Emergency Card Replacement
- Front Of The Line®
The range of benefits varies from Card to Card. Explore your options further by browsing the list of Cards in the menu to the left, or use the 'Compare these Cards' button near the top of this page to view all our Cash Back Credit Cards.
Your life doesn’t keep regular office hours, so neither do we. If you want us, there is always someone to speak with you, 24/7, about whatever you need big or small. Wherever you are in the world.
Lose your Card? Don’t lose any sleep. If your Card is ever lost or stolen, we’ll arrange to get you a new one as soon as possible. If it happens in a remote location, arrangements can be made to have a Card waiting at a point along your way.
Use an American Express® Card online or off, and you won't be held responsible for any fraudulent charges, as long as you've taken reasonable care to protect your account details and PIN.
With Online Services from American Express, you can stay on top of your account. Check statements, set account alerts and more while you’re on the go.
You are a Canadian resident and have a Canadian credit file.
You are of the age of majority in the province or territory of the residence
Some Cards may have additional specific eligibility criteria, and you will be asked to provide employment, income and bank account information in order to submit your application.
Once you have found the Card that suits you best, make sure you read the important information, then hit the 'Apply now' button to begin the application process. At this stage, you can decide how you'd like your name to appear on your Card, and choose optional additional benefits. You can get a response from your application in 60 seconds.
Travel Rewards Cards
Enjoy all the benefits, convenience and security of an American Express® Card - with the added bonus of earning points for travel when you use your Card.
SOME OF OUR FEATURED CARDS
Aeroplan Cards
Any place can be your happy place with the remarkable benefits, rewards, and bonus offers available with our new American Express® Aeroplan®** Cards.*
*Conditions apply
SOME OF OUR FEATURED CARDS
Cash Back Credit Cards
Get all the convenience and security of an American Express Card while earning cash back on all your eligible purchases with the card.
SOME OF OUR FEATURED CARDS
No Annual Fee Credit Cards
Want a Credit Card that meets your needs without having to pay an annual fee?
SOME OF OUR FEATURED CARDS
Find a type of card to suit your needs
Explore our range of Cards, you're bound to find something to suits your needs and lifestyle.
1. Purchase must be charged in full to an American Express Card. Subject to availability and to event and ticketing terms, restrictions, verification procedures and fees. Tickets and packages are not transferable and cannot be resold. No refunds and no exchanges subject to merchant's obligations under applicable law.
2. Welcome Bonus of 5% cash back - This offer is only available to new SimplyCash® Card from American Express Cardmembers. For current or former SimplyCash® from American Express Cardmembers, we may approve your application, but you will not be eligible for this cash back offer. Offer subject to change at any time. You can earn a bonus 5% cash back in the first three months of Cardmembership on all purchases, up to a maximum of $2,000 in purchases – that’s up to $100 you can earn in bonus cash back. That is in addition to the cash back you earn on eligible gas, grocery and other purchases. Once the $2,000 in purchases is reached, or after 3 months of Cardmembership, whichever comes first, you will no longer earn 5% cash back on purchases and will continue to earn at the cash back rate applicable to your purchases. If you choose to return a purchase or are otherwise entitled to a credit or adjustment that is related to a purchase, your entitlement to cash back rewards will be reduced accordingly. All deductions for returns, credits and adjustments will be calculated at the earn rate in effect at the time of the return, credit, or adjustment. This means that the cash back rewards deducted from your balance may be different from the amount originally earned. Interest rate charges, annual fees, other fees and cash equivalent transactions are not purchases and do not qualify for this offer. Cash back (and any applicable bonus cash back) is applied as a credit to your account annually and will appear on the statement issued in September of each year. Account must be in good standing. The Basic Cardmember must continue to make separate payments of at least the minimum due in accordance with the Cardmember agreement and account statement applicable to their registered Card account. Interest rate charges, annual fees, other fees and cash equivalent transactions are not purchases and do not qualify for this offer. All references to you means the Basic Cardmember.
3. You can earn 2% cash back for eligible purchases at American Express retail merchants as follows: (i) at stand-alone automobile gasoline stations in Canada, and (ii) at stand-alone grocery stores in Canada, up to a maximum of $15,000 in purchases posted to your account on this category (equal to $300 cash back) annually. Once the maximum is reached, you will no longer earn 2% regardless of credits, returns and adjustments subsequently posted to your account. After that, you will then earn 1.25% on eligible purchases. Calculation resets to zero each year on the Cardmembership anniversary date. Purchases at merchants where gas and grocery are not their primary business (including superstores, wholesale clubs, alcohol retailers and general merchandise retailers) do not qualify for these categories. Merchants are typically assigned codes and categorized based on what they sell. Earn rate of 1.25% cash back on eligible purchases applies when the merchant code is not in an eligible category, using a payment account or service of a third party, a card reader attached to a mobile phone or online retailer that sells goods of other merchants or the merchant category is otherwise not identified. Provided your account is in good standing, cash back can be earned on eligible purchases less returns and other credits. Interest rate charges, annual fees, other charges, and cash equivalent transactions are not purchases and do not qualify for cash back. If you choose to return a purchase or are otherwise entitled to a credit or adjustment that is related to a purchase, your entitlement to cash back rewards will be reduced accordingly. All deductions for returns, credits and adjustments will be calculated at the earn rate in effect at the time of the return, credit or adjustment. This means that the cash back rewards deducted from your balance may be different from the amount originally earned. Cash back is applied as a credit to your account annually and will appear on the statement issued in September of each year. The cash back calculation resets annually. All references to you means the Basic Cardmember. Additional conditions and restrictions apply as set out in the cash back program terms and conditions following the Cardmember Agreement.
4. Welcome Bonus of 10% cash back – This offer is only available to new SimplyCash® Preferred Card from American Express Cardmembers. For current or former SimplyCash® Preferred from American Express Cardmembers, we may approve your application, but you will not be eligible for this cash back offer. Offer subject to change at any time. You can earn a bonus 10% cash back in the first three months of Cardmembership, up to a maximum of $2,000 in purchases – that’s up to $200 you can earn in bonus cash back. That is in addition to the cash back you earn on eligible gas, grocery, and other purchases. Once the $2,000 in purchases is reached, or after 3 months of Cardmembership, whichever comes first, you will no longer earn 10% bonus cash back on purchases and will continue to earn at the cash back rate applicable to your purchases.
$50 statement credit offer - To qualify for one (1) $50 Statement Credit in month 13 of Cardmembership, eligible American Express SimplyCash Preferred Cardmembers must have at made at least one (1) purchase charged and posted to your Card in month 13 of Cardmembership. For example, if you reach your 12 months of Cardmembership on March 31, 2025, you must have at least one (1) purchase made on or after April 1, 2025, and be posted to your account no later than April 30, 2025, to be eligible for the $50 Statement Credit. Please allow up to eight weeks after earning your Statement Credit for it to appear on your statement.
If you choose to return a purchase or are otherwise entitled to a credit or adjustment that is related to a purchase, your entitlement to cash back rewards will be reduced accordingly. All deductions for returns, credits and adjustments will be calculated at the earn rate in effect at the time of the return, credit, or adjustment. This means that the cash back rewards deducted from your balance may be different from the amount originally earned. Interest rate charges, annual fees, other fees, and cash equivalent transactions are not purchases and do not qualify for this offer. All references to you means the Basic Cardmember.
Cash back (and any applicable bonus cash back) is applied as a credit to your account annually and will appear on the statement issued in September of each year.
Account must be in good standing. The Basic Cardmember must continue to make separate payments of at least the minimum due in accordance with the Cardmember agreement and account statement applicable to their registered Card account. Interest rate charges, annual fees, other fees and cash equivalent transactions are not purchases and do not qualify for this offer. All references to you means the Basic Cardmember.
5. You can earn 4% cash back for eligible purchases at American Express retail merchants as follows: (i) at stand-alone automobile gasoline stations in Canada, and (ii) at stand-alone grocery stores in Canada, up to a maximum of $30,000 in purchases posted to your account on this category (equal to $1,200 cash back) annually. Once the maximum is reached, you will no longer earn 4% regardless of credits, returns and adjustments subsequently posted to your account. After that, you will then earn 2% on eligible purchases. Calculation resets to zero each year on the Cardmembership anniversary date. Purchases at merchants where gas and grocery are not their primary business (including superstores, wholesale clubs, alcohol retailers and general merchandise retailers) do not qualify for these categories. Merchants are typically assigned codes and categorized based on what they sell. Earn rate of 2% cash back on eligible purchases applies when the merchant code is not in an eligible category, using a payment account or service of a third party, a card reader attached to a mobile phone or online retailer that sells goods of other merchants or the merchant category is otherwise not identified. Provided your account is in good standing, cash back can be earned on eligible purchases less returns and other credits. Interest rate charges, annual fees, other fees and cash equivalent transactions are not purchases and do not qualify for cash back. If you choose to return a purchase or are otherwise entitled to a credit or adjustment that is related to a purchase, your entitlement to cash back rewards will be reduced accordingly. All deductions for returns, credits and adjustments will be calculated at the earn rate in effect at the time of the return, credit or adjustment. This means that the cash back rewards deducted from your balance may be different from the amount originally earned. Cash back is applied as a credit to your account annually and will appear on the statement issued in September of each year. The cash back calculation resets annually. All references to you means the Basic Cardmember.
®,™: Used by Amex Bank of Canada under license from American Express®*
®**, TM**: For trademark ownership details see: americanexpress.ca/aeroplantrademarks