As a premium version of the regular SimplyCash Card from American Express, the SimplyCash Preferred Card has everything you love about the former, only better. Unlimited earning potential combined with a 2% cashback rate on any purchase, no strings attached, is one of the best offers you’ll find for a cashback card in the market. Of course, these extra benefits aren’t free, and the card comes with an annual fee of $99, but they’re worth far more than that, even after the first year of card membership.

As an added bonus, you get a welcome cashback rate of 5% on the first $6,000 in purchases (equivalent to $300 cashback) during the first six months of card membership. This welcome rate alone is worth an extra $180, almost doubling the annual fee.

If you’re looking for a great cashback card you can use anywhere without having to worry about purchase categories, with the best possible earning potential and that includes great premium Amex perks like travel and purchase insurance, this is the one!

APPLY NOW
The SimplyCash Preferred Card from American Express against a background with a store with strands of red chili peppers on display. In the picture, you can see the characteristic transparency of the card
The sleek-looking semi-transparent SimplyCash Preferred Card From American Express

This SimplyCash Preferred Card review is broken down into the following sections, to make it easier to read:

Pros and Cons of the SimplyCash Preferred Card From American Express

In the following table, you’ll find a list of the most important things you’ll love about this card, as well as the things you need to be aware of when signing up.

PROS CONS
• Welcome cashback rate of 5% worth up to $180
• The best flat-rate cashback on all purchases of any cash card in the market
• Limitless earning potential at the base rate
• Balance transfer offer to help you save on interests while paying your debts with other credit cards
• Great travel and purchase insurance package
• Referral bonus of $150 per approved SimplyCash Preferred Card, with a maximum of $2250 per year
• You’ll only get the cash back reward once a year
• Cashback rewards are only redeemable for a statement credit. There’s no option for a check or a deposit

Features and Benefits Of The Amex SimplyCash Preferred Card

Welcome Cashback Rate5% on the first $6,000 in purchases during the first 6 months of card membership
Base Cashback Rate2% on all purchases without a cap
Annual Fee$99
Additional Card FeeUp to 9 supplementary SimplyCash Preferred Cards for free
Travel Insurance Coverage • $5,000,000 Emergency Medical Insurance
• $100,000 Travel Accident Insurance policy
• Lost or Stolen Baggage Insurance
• Flight and Baggage Delay Insurance
• Hotel/Motel Burglary Insurance
• Car Rental Theft and Damage Insurance
Purchase Insurance • Buyers Assurance Protection Plan
• Amex Purchase Protection Plan
Optional Balance Transfer Offer • Introductory Interest Rate of 1,99% for the first 6 months
• Transfer up to 50% or $7,500 of your assigned credit limit
• No Balance Transfer fee
Amex Invites
Type of CardCredit Card
Preferred Interest Rate • 19,99% on purchases
• 22,99% on funds advances
Eligibility • You are a Canadian Citizen or Resident
• You are the age of majority in your state or province
• You have a Canadian Credit File

Ok. That was just an overview, but what does it all mean? Keep on reading to learn all the details behind each of these features and benefits, and, most importantly, find out what they mean to you.

How Does The SimplyCash Preferred Card’s Cashback System Work?

If you already read our post on the no-fee SimplyCash Card, then this section won’t shed light onto anything new. In that case, you can jump to the next section regarding the SimplyCash Preferred Card’s annual fee.

If not, then keep on reading!

Cashback is the easiest to understand credit card rewards system. You simply use your card to pay for purchases, and Amex rewards you by giving you back part of the total purchase you made.

But, how does Amex give it back?

It’s very simple. When you use your card, you accumulate cashback rewards and every September, American Express will give you all you have accumulated in the form of a statement credit. You can then use this statement credit to pay off your cards balance. In other words, The SimplyCash Preferred Card’s rewards system is intended to help you pay for the purchases you make with your card.

The fact that you can only redeem your rewards for a statement credit, and the fact that you can only get that statement credit once a year, are the only real downfalls of both the SimplyCash and the SimplyCash Preferred Cards.

However, American Express more than makes up for these downfalls by offering great earning rates as well as unlimited earning potential.

The SimplyCash Preferred Card’s Annual Fee

Since it’s a premium card, then the American Express SimplyCash Preferred Card comes with an annual fee. This fee, which is $99, gets you more than twice the earning potential and a handsome set of insurance policies that’ll let you save tons when you travel.

As far as annual fees go, $99 isn’t a big sum. In fact, it’s below middle ground between the less expensive and the ultra-premium cards Amex offers. Still, for it to make sense to pay the fee, even if it is small, you want to make sure that it’s worth it. I can tell you up front that it is, but you’ll have to read on to find out why.

If you’re looking for a no-fee cashback card, I definitely recommend you go for the regular SimplyCash Card. However, keep in mind that being free also means a lot less benefits and, in that case, a lot less earning potential.

Having gotten the fee out of the way, let’s take a look at all the things you’ll get for the yearly $99.

American Express SimplyCash Preferred Benefit #1: The Welcome Cashback Rate

There are many different cashback cards out there, and to compare which one is better, the first thing you have to look at is how much they’ll give you back for your purchases. In other words, you need to compare the cash back rate. The Amex SimplyCash Preferred Card comes with two earning rates: A welcome rate when you sign up to the card for the first time, and the card’s regular base rate.

In the following paragraphs we’ll discuss the SimplyCash Preferred Card’s welcome cashback rate.

When you sign up for the SimplyCash Preferred Card from American Express for the first time, you’re entitled to a welcome cashback rate of 5% during your first six months of card membership. This is probably one of the best earning rates on cashback cards you’ll find, but it’s capped at the first $6,000 of purchases. Additionally, the rate only applies during the first six months after you sign up.

What do these numbers tell us?

Basically two things:

  1. The most you can earn in cashback rewards with the welcome rate is $300 (5% of $6,000)
  2. You need to charge a minimum of $6,000 to your SimplyCash Preferred Card during the first 6 months to get the maximum possible bonus cashback reward.

Compared to the regular SimplyCash Card, this welcome rate is much better for a couple of reasons.

The first one is obvious: the welcome rate is twice the welcome rate of the SimplyCash Card, so you’ll earn cashback twice as fast.

The second one is that you get twice the length of time to charge the $6,000 in purchases needed to reach the maximum “welcome bonus” of $300. This means that instead of having to charge an average $2,000 a month for three months, as with the Amex SimplyCash Card, you only need half of that in monthly purchases with the Preferred Card.

The bottom line is that, with the Amex SimplyCash Preferred Card, you can get twice the cashback reward with half the pressure.

How much is the Welcome Rate Worth?

A welcome rate on a cashback card is the equivalent to the welcome bonus Amex offers with most of their other cards. In those cases, figuring out how much the welcome bonus is worth is as simple as estimating how much each reward point is worth and then multiplying times the number of points in the welcome bonus.

In this case, however, the “welcome bonus” depends on how much you spend on purchases with your card while the welcome rate is in effect. Keep in mind that, if you didn’t have the welcome rate, you would still get the base rate on those same purchases.

Therefore, even if you earned the maximum $300 cashback with the welcome rate, that’s not really what the bonus is worth to you, because you would’ve earned 2% of $6,000 ($120) if you didn’t have the welcome rate in the first place.

What you’re getting on top of the base rate is

$300 – $120 = $180

Finally, the welcome rate is worth up to $180, as long as you manage to cap it out.

Amex SimplyCash Preferred Card Benefit #2: Base Cashback Rate of 2%

A 2% return on any purchase probably doesn’t seem like a lot to you, but since Amex doesn’t put a cap on this cashback rate, there’s no limit to how much you can earn with this card.

However, limitless earning potential is not what the SimplyCash Preferred Card is big for. The real kicker is the flexibility with which you can earn rewards.

Flat rate on all purchases

The most important advantage of the American Express SimplyCash Preferred Card’s base rate is the fact that it’s the same for all purchases. No need to worry about categories, types of merchants, and so on. As long as it’s classified as a purchase (which excludes funds advances, interests, fees, balance transfers, Amex cheques and travelers cheques), you’ll get 2% back every year.

There are other cards that can give you better earnings but only for a few categories. As a consequence, with both the SimplyCash Card and the Amex SimplyCash Preferred Card you trade off cash back rate for the ultimate flexibility.

Whether this is a deal maker or breaker is entirely up to you. If you’d rather get better earnings on select categories, I recommend picking up the Amex Cobalt Card. This is one of the best cards for average Canadians and has a similar fee of $120, which you pay in 12 monthly installments of just $10. It’s not a cashback card, but its points earning rate on very versatile categories such as food & drink, combined with the value of MR points, will let you recover more than 10% of your spending, even after the first year. Read our post on the long-term benefits of the Cobalt card and find out for yourself why it’s quickly becoming one of Canada’s favorite everyday spending cards.

Unlimited Earning Potential

In most of the few cases where credit cards do offer higher cashback rates, those rates are usually capped. An example is the Amex Cobalt Card, whose 5X points earning rate was recently capped by American Express to a maximum of 150,000 MR points per year. The other great aspect of the Amex SimplyCash Preferred Card’s flat cashback rate is that there’s no earning limit. You could use this card to earn as little as a dollar or as much as ten thousand. It’s totally up to you how much you want to earn, all you have to do is use it.

American Express SimplyCash Preferred Benefit #3: Optional Balance Transfer Offer

To attract new cardmembers and to help Canadians pay off their credit card debts, American Express developed the Optional Balance Transfer Offer. This offer is only available for new American Express cardholders who are signing up to either the SimplyCash or the SimplyCash Preferred Card for the first time.

Being a new Amex cardholder means that you’ve never had a credit card or cash card issued by Amex Bank of Canada before.

What Is The Optional Balance Transfer Offer?

It’s an exclusive offer in which you can opt to transfer your debts from other credit cards to the SimplyCash or the SimplyCash Preferred Card upon enrollment. So long as you don’t fall behind on your minimum payments, you’ll get a preferential low interest rate of just 1.99% on all transferred balance during the first 6 billing cycles (read months).

In short, it’s a way of helping Canadians pay off their debts by lowering the interest incurred because of the balance they carry every month. It’s like taking a low-interest loan with Amex to pay for your other credit cards.

Some of the benefits of transferring your balance to the SimplyCash Preferred Card is that Amex doesn’t charge a balance transfer fee, and the interest rate is very low.

How To Opt For The Balance Transfer

If you’re eligible for this offer, all you need to do is opt in when filling out your online application.

That being said, there’s a limit to how much balance you can transfer to your SimplyCash Preferred Card account.

The Cap On The SimplyCash Preferred Card’s Balance Transfer Offer

The maximum amount you can transfer to your new card is limited to $7,500 or 50% of your assigned credit limit, whichever is smaller.

Let’s look at the numbers of three simple examples to show you how this works:

When Does It Make Sense To Opt For The Balance Transfer Offer

One very important thing to consider is that after the low-interest promotional period of 6 months expires, any unpaid transferred balance will be subject to the current funds advance interest rate. As of today, this means that from under 2%, the interest rate jumps up to 22.99%.

That’s an over 10-fold increase in interest rate.

You’ll also immediately lose the low preferential rate and get the funds advance rate if you fall behind on your payments, even during the first six months. Additionally, if you fall behind for a second time, you may lose that rate as well and get a penalty rate of 26.99%. The bottom line is that it hurts to pay late.

I’ll summarize all this information into simple actionable advice.

You should apply for the balance transfer only if:

You should definitely not apply for the balance transfer if:

If your current interest rate is lower than 22.99% but you can’t pay the debt by the end of six months, it may still make sense to transfer the balance to the SimplyCash Card from American Express. It all depends on the difference between the two interest rates, and on how long you think it will take you to pay off the entire debt.

Amex SimplyCash Preferred Card Benefit #4: Insurance Coverage

This is where the annual fee really starts to shine. The aforementioned benefits will only be valuable to you when you use your card to pay for purchases. Remember that those benefits are cashback rates on purchases, so no purchases means no benefits.

Insurance coverage, on the other hand, is a benefit that comes as a default with your card, even if you only use it to pay for your travel arrangements.

I’m glad to say that I’ve never had the misfortune of needing to make a claim on my travel insurance. However, I’ve always felt more at ease when I travel thanks to Amex’s different embedded insurance policies. As far as insurance goes, it’s always better to have it and not need it, than to need it and not have it, so having it is always a plus.

In the following section, I’ll tell you all you need to know about the insurance policies that come embedded into the American Express SimplyCash Preferred Card:

#1 Travel Insurance

Regarding travel insurance, the American Express SimplyCash Preferred Card brings in most of Amex’s best policies:

Travel Emergency Medical Insurance

This is an annual multy-trip policy. It will cover you, your spouse and any dependent children under 23 years of age, as well as any supplementary cardholder his or her spouse and children, during the first 15 days of each trip, for up to $5million each in unforeseen medical expenses. The condition is that all travelers be under 65 years old and that all travel arrangements are paid for with the SimplyCash Preferred Card.

$100,000 Travel Accidents Insurance

The Travel Accidents Insurance is an AD&D policy that will cover each insured person for up to $100,000. It’s underwritten by Chubb Life Insurance Company of Canada, and it will cover you, your spouse and any dependent children as well as any supplementary cardholder and his or her family while in transit in a common carrier. The only condition is that all tickets be paid in full with your SimplyCash Preferred Card from American Express.

Flight & Baggage Delay Insurance

This policy is intended to cover you for expenses related to waiting for a delayed flight or baggage. These expenses may include out of pocket money, food and drink expenses and even lodgings at a hotel in case the delay ends up being too long. The maximum coverage is of $500.

Lost Or Stolen Baggage Insurance

If you paid for the airline tickets with your SimplyCash Preferred Card, you’re also covered for up to $500 in case your luggage and/or personal effects get lost or damaged while in transit.

Hotel/Motel Burglary Insurance

This policy covers you for up to $500 in stolen personal items if the hotel/motel booking was paid for with your SimplyCash Preferred Card, and it gets burglarized.

Car Rental Theft And Damage Insurance

When you rent a car you have to purchase an insurance policy to cover the vehicle in case of an accident or theft. Car rentals will always offer their own policy and it usually costs around $16 to $23 per day. If you pay for the rental with your Amex SimplyCash Preferred Card, you can waive the rental company’s insurance and use Amex’s instead, at no extra cost to you. The limit is a rental vehicle with a suggested retail price (MSRP) of $85,000 or less.

#2 Purchase Coverage

Apart from comprehensive travel insurance, the SimplyCash Preferred Card from American Express also includes Amex’s standard purchase coverage, which is composed of the following two insurance policies:

The Buyers Assurance Protection Plan

This policy, underwritten by Royal & Sun Alliance Insurance Company of Canada, automatically doubles the manufacturer’s warranty for up to one extra year, of any item paid in full with the Amex SimplyCash Preferred Card.

Let’s take a look at three different scenarios:

The Amex Purchase Protection Plan

This policy is also underwritten by Royal & Sun Alliance Insurance Company of Canada, and it covers any items you purchase with your SimplyCash Card, for up to 90 days, against any accidental physical damage or theft.

American Express SimplyCash Preferred Card Benefit #5: Refer A Friend And Get A Bonus

Besides using your Preferred Card, American Express lets you build up your cashback balance by giving you a bonus every time someone you refer to the Amex site is approved for a new SimplyCash Preferred Card.

When you sign up for the SimplyCash Preferred Card and become a cardmember, you’ll receive your own personal referral link. You can share this link with anyone you want (i.e. friends, family, co-workers, business-related acquaintances, etc.). If your referrals sign up to the SimplyCash Preferred Card through your referral link, and Amex approves them, then you’ll get a bonus of $150 cashback for every approved referral at the end of the year.

Simple as that, no strings attached!

That’s $50 more than what you get by referring friends for the regular SimplyCash Card.

How To Be Eligible For The Referral Bonus

There are some obvious conditions for you to get the bonus though. These include:

Other than that, you’re good to go!

The Cap On The Referral Bonus

This is a great benefit, but it’s capped at $2,250 per year. Since the current bonus is $150 per approved referral, this translates into a maximum of 15 successful referrals per calendar year. The good news is that the count resets every year, so after hitting the cap, try not to get people to sign up through your referral link untill next year!

Additional Amex Benefits

The Amex SimplyCash Preferred Card comes with American Express Invites, which opens the doors to the Front of The Line, as well as to special offers, experiences and VIP access at key venues like the Budweiser Stage, Roy Thomson Hall and Massey Hall.

Access highly coveted concert and events tickets thanks to your SimplyCash Preferred Card from American Express and Amex Invites
Get tickets to your favorite concerts with American Express Front of The Line

Front Of The Line Advance Access

Advance Access means being able to purchase or reserve presale tickets to major events, before they are sold to the general public. That way, American Express will help ensure that you won’t miss out on that concert you’ve been dreaming to see, or those theater productions that sell out as soon as the tickets go on sale. Amex can even help you make reservations at highly coveted restaurants, all that just for being a Preferred Card cardholder.

Front Of The Line Reserved Tickets

You couldn’t buy advanced tickets or make an advanced reservation? No problem! Amex is so set on ensuring you won’t miss your dream event, that they reserve whole blocks of seats exclusively for their cardmembers. That way, you can still get seats to the hottest events, even if they already sold out to everyone else.

In case you’re wondering if that next concert you want to go to is covered in the American Express Front of The Line program, all you have to do is sign up for the Front of The Line e-updates. This is something like a newsletter where you’ll get the full list of all the current and upcoming events you can choose from.

Summarizing, as you can see, the SimplyCash Preferred Card is a great option when it comes to cashback cards. A low annual fee and benefits that are worth much more than the $99 you have to pay every year, make this card a smart investment.

FAQs

If I have a co-branded Amex card issued by another bank, am I eligible for the Balance Transfer Offer?

Yes you are, as long as you don’t own any other card issued by Amex Bank of Canada. Most banks issue their own credit cards but they use American Express’ global payment network, so their cards are co-branded. Even if the card does say American Express on it, Amex Bank of Canada really doesn’t issue it. The one that’s actually lending you the money is the other bank. Therefore, owning a co-branded card doesn’t make you an Amex cardholder, and it therefore doesn’t make you ineligible for the Balance Transfer Offer.

If I already have a SimplyCash Card from American Express, and I sign up to this one, will I still get the welcome cashback rate?

Yes, you will, because the SimplyCash Card and the SimplyCash Preferred Card by American Express are two different cards. Signing up to one of them doesn’t make you a cardholder of the other, therefore you will still get your welcome cashback rate.

If I already have a SimplyCash Card, does it make sense to sign up to the SimplyCash Preferred Card?

Of course it does! First of all, because, when you do, you’ll get the awesome welcome cashback rate of 5% on any purchase giving you the potential to earn an extra $180. Secondly, because the SimplyCash Preferred Card offers great travel coverage for a very low fee. This coverage alone can offset the annual fee if you travel at least once a year.

Can I get my cash back as a cheque or a deposit into my bank account?

No, you can’t. You can only redeem your cashback rewards as a statement credit to pay for purchases already charged to your SimplyCash Preferred Card.

Can I get my cashback reward whenever I want?

Unfortunately, no. You will only get the accumulated cash back once a year at a predetermined date.

Can I use the optional balance transfer offer more than once?

No, you can’t, because the offer is only for new American Express cardholders, and you can only opt in for the offer when signing up for the SimplyCash or SimplyCash Preferred Card for the first time. After you sign up and use the offer the first time, you become an Amex cardholder, and are therefore ineligible for the offer.

With a cashback rate of 1.25% on any purchase whatsoever and unlimited earning potential, The SimplyCash Card from American Express is hands down the best no-fee cashback card in the market today. Add in a welcome rate of 2.5% during the first three months of card membership that can earn you an extra $75, a preferential 1.99% interest rate on balance transfers for new Amex cardholders during the first six months, as well as purchase and travel accident insurance, and you’re probably wondering why you hadn’t applied for one before.

Tell your friends, show them why everyone should have an Amex SimplyCash Card in their wallets, and receive a $100 cashback bonus for every approved referral while you’re at it.

There’s so much to gain and absolutely nothing to lose because it’s free. Don’t let this opportunity pass you by

APPLY NOW
Pay for any purchase and get 1.25 cashback
Get cashback on any purchase with the No-Fee SimplyCash Card from American Express

This SimplyCash review is broken down into the following sections, to make it easier to read:

Pros and Cons of the SimplyCash Card From American Express

To give you a quick take on the most important aspects you’ll love and you won’t about the Amex SimplyCash Card, here’s our list of the pros and cons that come with it:

PROS CONS
• No Annual Fee
• A welcome cashback rate of 2.5% during the first three months
• The best cashback rate of any free cashback card in the market
• The same flat rate for all purchases
• Unlimited earning potential
• A low-interest rate of only 1.99% on balance transfer
• No balance transfer fees
• Referral bonus of $100 for every approved SimplyCash Card
• You only get the cashback you’ve earned once a year
• Cashback is only rewarded through a statement credit, no options for a check or a deposit  

Features and Benefits Of The Amex SimplyCash Card

Welcome Cashback Rate2.5% up to a maximum of 3 months or $150 cashback
Base Cashback Rate1.25% on all purchases
Annual FeeNo Annual Fee
Additional Card FeeUp to 9 additional cards free of charge
Embedded Insurance Coverage • $100,000 Travel Accident Insurance policy
• Buyers Assurance Protection Plan
• Amex Purchase Protection Plan
Optional Balance Transfer Offer • Introductory Interest Rate of 1,99% for the first 6 months
• Transfer up to 50% or $7,500 of your assigned credit limit
• No Balance Transfer fee
Amex Front Of The Line
Type of CardCredit Card
Preferred Interest Rate • 19,99% on purchases
• 22,99% on funds advances
Eligibility • You must be a Canadian Citizen or Resident
• You must be the age of majority in your state or province of residence
• You must have a Canadian Credit File

Before we dive into all the details of each of these features and benefits that make this card great, let’s clear up some important facts:

How Does The SimplyCash Card’s Cashback System Work?

Cashback is the easiest to understand credit card rewards system. You simply use your card to pay for purchases, and Amex rewards you by giving you back part of the total purchase you made.

But, how does Amex give it back?

It’s very simple. When you use your card, you accumulate cashback and at the end of the year, American Express will give you all you have accumulated in the form of a statement credit. You can then use this statement credit to pay off your cards balance.

The only real downside to the SimplyCash Card is that you can only receive your cashback in the form of an annual statement credit. However, the good is really good, and it outweighs by far having to wait a year to receive your benefits.

Keep on reading to find out exactly why we claim the Amex SimplyCash Card is the best no-fee cashback card you’ll find today.

American Express SimplyCash Card Benefit #1: The Welcome Cashback Rate

There are many different cashback cards out there, and to compare which one is better, the first thing you have to look at is how much they’ll give you back.

When you sign up for the SimplyCash Card from American Express for the first time, you’re entitled to a welcome cashback rate of 2.5% during your first three months of cardmembership. This is a really good cashback rate, and it almost triples the nearest competing card, but it isn’t unlimited.

Besides the three-month limit, the welcome rate has a cap at $150 cashback. What this means is that you’ll earn 2.5% of whatever you spend during the first three months, but only until it adds up to $150. After you reach the cap, even if you’re only in your first month, the welcome rate ends and you start getting the base rate of 1.25% cashback.

Let’s see some numbers to better clear this up.

How much is the Welcome Rate Worth?

The maximum cashback of $150 represents 2.5% of $6,000

Therefore, having a cap at $150 cashback means that your welcome rate is limited to your first $6,000 in purchases. If you want to maximize your earnings with this card, you’ll want to charge at least an average $2,000/month during the first three months of cardmembership.

If, on the other hand, you charge less than that amount, than you’ll be losing out on potential earnings.

To calculate how much more you’re earning thanks to the welcome rate, let’s consider the alternative: having a flat earning rate of 1.25% from the get-go.

In this case, you would only earn 1.25% of the $6,000 in purchases that are eligible for the welcome rate, which means $75.

In other words, the welcome rate is earning you an extra

$150 – $75 = $75

As a consequence, this earning rate alone is worth $75 to you, but you’re getting it free of charge.

Amex SimplyCash Card Benefit #2: Base Cashback Rate of 1.25%

1.25% may not seem like a lot at first sight. The welcome rate alone is twice as much. However, you need to put things into perspective, because there are a number of key aspects to the base rate that you need to consider before making your judgment:

Flat rate on all purchases

The first advantage of the American Express SimplyCash Card’s base rate is the fact that it’s the same rate for all purchases. No need to worry about categories, types of merchants, and so on. As long as it can be classified as a purchase (which excludes funds advances, interests, fees, balance transfers, Amex cheques, and traveler’s cheques), it will earn you 1.25% cashback.

Other no-fee cards may offer higher cashback rates, but only for a very limited number of purchase categories. For all other purchases, you get appalling rates like 0.5%. This makes it a bit of a bother using those cards because you always have to worry about using your card in the right places.

Unlimited Earning Potential

In most of the few cases where a credit card does offer higher cashback rates, those rates are usually capped. The other great aspect of the Amex SimplyCash Card’s flat cashback rate is that there’s no earning limit. You could use this card to earn as little as a dollar or as much as ten thousand. It’s totally up to you how much you want to earn.

American Express SimplyCash Card Benefit #3: Optional Balance Transfer Offer

American Express is always looking for ways to attract new members, and their offers have always been great. If you’re not already an Amex cardmember (in other words, if you don’t have any charge or credit card issued by Amex Bank of Canada), then you’re eligible for the Optional Balance Transfer Offer.

What Is The Optional Balance Transfer Offer?

This is an exclusive offer for new American Express cardmembers, who can opt to transfer their debts from other credit cards to the SimplyCash card upon enrollment. So long as you don’t fall behind on your minimum payments, you’ll get a preferential interest rate of just 1.99% on all transferred balance during the first 6 billing cycles (read months).

In short, it’s a way of helping Canadians pay off their debts by lowering the interest incurred because of the balance they carry every month. It’s like taking a low-interest loan with Amex to pay for your other credit cards.

Debt recovery thanks to the SimplyCash Card from American Express
The American Express SimplyCash Card can help you pay off your other credit card’s balance and save on interests.

Some cash cards offer similar offers, and some even go the length of charging 0% interest and increasing the interest-free period to 1 year. However, the kicker with the SimplyCash Card’s offer is that Amex doesn’t charge a balance transfer fee, whereas the others do.

How To Opt For The Balance Transfer

Considering that you’re not already an Amex cardmember and are, therefore, eligible for this offer, all you need to do is opt-in for the offer when filling out your online application.

That being said, there’s a limit to how much balance you can transfer to your SimplyCash Card account.

How Much Of My Balance Can I Transfer To My New American Express SimplyCash Card

The maximum amount you can transfer is limited to $7,500 or 50% of your assigned credit limit, whichever is smaller.

Let’s look at the numbers of three simple examples to show you how this works:

When Should You Opt For The Balance Transfer Offer

One very important thing to consider is that after the low-interest promotional period of 6 months expires, any unpaid transferred balance will be subject to the current funds advance interest rate. As of today, this means that from under 2%, the interest rate jumps up to 22.99%.

That’s an over 10-fold increase in interest rate.

You’ll also immediately lose the low preferential rate and get the funds advance rate if you fall behind on your payments, even during the first six months. Additionally, if you fall behind again, you’ll lose that rate as well and get 26.99%. The bottom line is that it hurts to pay late.

I’ll summarize all this information into simple actionable advice.

You should ONLY APPLY for the balance transfer if:

You should definitely NOT APPLY for the balance transfer if:

If your current interest rate is lower than 22.99% but you can’t pay the debt by the end of six months, it may still make sense to transfer the balance to the SimplyCash Card from American Express. It all depends on the difference between the two interest rates, and how long you think it will take you to pay off the entire debt.

American Express SimplyCash Card Benefit #4: Insurance Coverage

You’d be wrong to think that the Amex SimplyCash Card doesn’t come with insurance, just because it’s free. Since you’re not paying a single cent, any sort of coverage is definitely a plus, and the SimplyCash Card comes with not one, nor two but three embedded insurance policies:

$100,000 Travel Accidents Insurance

Travel Accidents Insurance is an AD&D policy that will cover each insured person for up to $100,000. It’s underwritten by Chubb Life Insurance Company of Canada, and it will cover you, your spouse and any dependent children as well as any supplementary cardholder and his or her family while in transit in a common carrier. The only condition is that all tickets be paid in full with your SimplyCash Card from American Express.

Buyers Assurance Protection Plan

This policy, underwritten by Royal & Sun Alliance Insurance Company of Canada, automatically doubles the manufacturer’s warranty for up to one extra year, of any item paid in full with the Amex SimplyCash Card.

Let’s take a look at three different scenarios:

Amex Purchase Protection Plan

This policy is also underwritten by Royal & Sun Alliance Insurance Company of Canada, and it covers any items you purchase with your SimplyCash Card, for up to 90 days, against any accidental physical damage or theft.

Of course, other Amex cards like The Platinum Card, the Business Platinum Card, the Amex Cobalt Card or the Marriott Bonvoy™ American Express Card, will give you a lot more coverage. Nevertheless, keep in mind that in those cases you’re paying a fee. With the American Express SimplyCash Card, you’re getting all the mentioned coverage… FREE!

You can learn more about the embedded insurance that comes with the different cards, as well as stand-alone insurance plans in our post on American Express Travel Insurance.

If you’re looking for a cashback card with a better insurance plan, you can check out the American Express SimplyCash Preferred Card. This card will give you a great set of travel insurance policies including all the ones that the regular SimplyCash Card brings, but for a $99 annual fee.

There’s really nothing to lose, but so much to gain by signing up. Are you going to let this no-brainer pass you by?

American Express SimplyCash Card Benefit #5: Referral Bonus

Another way the American Express SimplyCash Card lets you build up your cashback balance is by giving you a bonus every time someone you refer to the Amex site is approved for a new SimplyCash Card.

When you sign up for the SimplyCash Card and become a cardmember, you’ll receive your own personal referral link. You can share this link with anyone you want (i.e. friends, family, co-workers, business-related acquaintances, etc.). If your referrals sign up to the Amex SimplyCash Card through your referral link, and Amex approves them, then you’ll get a bonus of $100 cashback at the end of the year.

Simple as that, no strings attached!

Conditions To Get The Referral Bonus

There are some rather obvious conditions for you to get the bonus once a person referred by you applies for the SimplyCash Card. These include:

Other than that, you’re good to go!

The Cap On The Referral Bonus

This is a great benefit, but there’s a cap on the maximum number of referrals bonuses you can get each year. You can only get up to $1,500 cashback through referrals annually. Since the current bonus is $100 per approved referral, this translates into a maximum of 15 successful referrals every calendar year.

Additional SimplyCash Card Benefits

Front Of The Line

The Amex SimplyCash Card comes with American Express Invites, a benefits package for major public events like concerts and shows. This package includes the following benefits:

Front Of The Line Advance Access

This benefit lets you purchase or reserve tickets for highly sought after events, sometimes even before they’re on sale.

Front Of The Line Reserved Tickets

These are blocks of seats reserved by American Express exclusively for its cardmembers. With Reserved Tickets, you won’t be left out of any major event, even when tickets have sold out for the general public.

Front Of The Line E-Updates

This is a subscription email service that periodically sends you the listings of all the events you can access thanks to your American Express SimplyCash Card.

Other Amex Invites Benefits

Special Access and benefits at Budweiser Stage, Roy Thomson Hall and Massey Hall, including a separate entrance, lounges, and bars.

FAQs

If I have a co-branded Amex card issued by another bank, am I eligible for the Balance Transfer Offer?

Yes, you are, as long as you don’t own any other card issued by Amex Bank of Canada. Most banks issue their own credit cards but they use American Express’ global payment network, so their cards are co-branded. Even if the card does say American Express on it, Amex Bank of Canada really doesn’t issue it. The one that’s actually lending you the money is the other bank. Therefore, owning a co-branded card doesn’t make you an Amex cardholder, and, therefore, it doesn’t make you ineligible for the Balance Transfer Offer.

Can I get my cashback each month?

No, you can’t. The SimplyCash Card only gives you your cashback once per year in the form of a statement credit.

How does the SimplyCash Card look?

The SimplyCash Card is transparent, which distinguishes it from the other credit cards. To be honest, the card looks really sleek, and I always feel like a pro when paying my purchases with it.

La carte de Platine American Express Canada inclut un accès aux salons dans les aéroports internationaux, un crédit de voyage annuel de 200$, une adhésion aux statuts Elites dans certaines chaînes d’hôtels, une assurance médicale de voyage, une élégante carte en métal et 50.000 points Amex MR, d’une valeur de 1.500 dollars.

C’est l’une de nos deux cartes préférées au Canada depuis des années et elle offre une valeur ajoutée exceptionnelle pour les voyageurs canadiens. Chaque Canadien qui voyage en avion une fois ou plus par an devrait posséder une carte de Platine American Express dans son portefeuille.

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Ce test de la carte de Platine American Express Canada est découpé en 10 sections:

#1 Prestations et Avantages

Prime en Points de Bienvenue 50.000
Points gagnés pour 1$ Dépensé dans un Dîner3
Points gagnés pour 1$ Dépensé dans un Voyage2
Points gagnés pour 1$ Dépensé dans Tout Autre Achat1
Tickets de réduction
Avantages Exclusifs dans les Beaux Hôtels et Resorts
Statut Elite dans les Hôtels
Service de Conciergerie Amex Platinum
American Express Invites
Assurance Voyage Incluses
Frais Annuels699$

La carte comporte également les avantages supplémentaires d’American Express, inclus avec toutes les cartes American Express. Cela comprend le service Front Of The Line, qui offre aux détenteurs de cartes American Expresse un accès privilégié ou des billets pour des concerts, des événements sportifs et des spectacles au Canada.

#2 Quatre Avantages Supplémentaires Avec la Carte de Platine American Express

Avantage Supplémentaire Amex Platinum #1: Accès Aux Salons dans Les Aéroports Internationaux (Priority Pass)

En plus des 50.000 points de fidélité fournis avec votre carte de Platine Amex, vous recevez également un abonnement Priority Pass Prestige d’une valeur de 429$ par an. Votre abonnement Priority Pass vous permet d’accéder à plus de 1.200 salons d’aéroport dans le monde entier sans payer un centime. Tous les salons proposent de la nourriture gratuite (certains proposent des repas complets, d’autres des collations variées), des boissons (parfois des boissons alcoolisées, mais pas partout), et la plupart incluent des équipements supplémentaires tels que des chambres pour se reposer, des douches, des bibliothèques, des services d’impression et salles de jeux.

Le Priority Pass est sans aucun doute l’avantage Platine American Express que j’utilise le plus et il a complètement changé ma façon de voyager. Je ne peux sérieusement pas imaginer prendre un vol sans m’arrêter d’abord dans le salon American Express Platinum.

Où pouvez-vous utiliser votre avantage de salon Canadian Platinum au Canada? Qu’en est-il du SkyTeam Lounge ouvert 24 heures sur 24 à Vancouver (YVR)?

Le salon SkyTeam à l’aéroport international de Vancouver (YVR)

Ou le National Bank Lounge à Montréal (YUL)?

Vous bénéficiez d’un accès gratuit au salon National Bank World MasterCard Lounge à l’aéroport international de Montréal (YUL) grâce aux avantages du Priority Pass d’American Express Canada.

Toronto (YYZ) compte pas moins de sept salons Priority Pass, auxquels s’ajoute le salon American Express à Pearson – auxquels vous avez accès gratuitement.

Vous améliorez déjà vos conditions de voyage.

Avantage Supplémentaire Amex Platinum #2: 200$ de Crédit Voyages Annuels

C’est bien ce qui écrit : un crédit de 200$ à utiliser pour voyager, chaque année. Au cours des trois dernières années seulement, j’ai utilisé mon crédit de voyage de 200 dollars pour un vol à destination de l’Asie, un vol pour l’Amérique du Sud et un vol pour l’Europe.

La carte de Platine Amex est dotée d’un crédit de voyage annuel de 200 $ que vous pouvez utiliser dans le monde entier !

Conseil pro : Utilisez votre crédit de voyage annuel de 200$ sur la première réservation d’hôtel ou de vol effectuée avec votre carte de Platine. Ainsi, vous ne risquez pas de l’oublier!

Avantage Supplémentaire Amex Platinum #3: Statut Elite dans les hôtels

Votre Amex de Platine surclasse également votre statut dans certaines chaînes d’hôtels. Cela signifie que vous bénéficiez d’avantages spéciaux: réductions exclusives, enregistrement anticipé et départ tardif, petits-déjeuners gratuits, etc.

Voici le type d’avantages que vous pouvez attendre avec votre carte Amex Platinum:

Avantage Supplémentaire Amex Platinum #4 : American Express Front Of The Line

Le service Front of the Line offre aux titulaires de cartes American Express un accès exclusif aux préventes de billets et aux places pré-réservées lors de concerts, de comédies musicales, d’événements sportifs et bien plus encore.

Le mieux à propos de Front of the Line est d’avoir un accès aux billets des plus grands spectacles (pensez à Justin Bieber et Beyoncé) avant tout le monde. Ces spectacles sont connus pour voir leurs places être vendues en quelques secondes. Mais avec Front of the Line, vous obtiendrez toujours votre billet. Les spectacles passés auxquelles Front of the Line a donné accès en prévente comprennent Taylor Swift, Selena Gomez, Wicked, Lady Gaga, Katy Perry, Billy Elliot, West Side Story, Imagine Dragons, Le Roi Lion et bien d’autres.

Front of the Line propose toujours d’excellents sièges, très bien placés, lors de ces événements. Cela comprend également l’envoi de courriels périodiques pour vous informer de la venue d’artistes près de chez vous afin que vous ne manquiez aucun spectacle.

#3 Comment transformer 50.000 Points en 65.000 ?

Les 50.000 points de bonus de bienvenue qui accompagnent la Carte de Platine American Express sont très bien, mais vous pouvez les transformer simplement en 65.000 points.

Comment ? Au moins une fois par an, American Express offre un bonus de 30 % lorsque vous transférez vos points vers un programme tiers tel que British Airways Avios ou Aeroplan .

En transférant astucieusement vos points, les 50.000 points privilèges deviennent tout d’un coup 65.000 points Avios.

Vous venez de gagner 15.000 points supplémentaires, d’une valeur d’au moins 300$ si vous les utilisez à une valeur de 2 cents par point ou plus. Cela juste en étant bien informé.

Voici 3 scénarios réalistes de la valeur que vous pouvez obtenir avec l’Amex Platinum :

 Très facileTrès facileModérément difficile
Type de RemboursementArgent comptant (solde du compte)VolsVols personnalisés
Valeur du Remboursement par Point1 cent2 cents3 cents
Valeur Totale pour 65.000 Points650$1.300$1.950$
Moins : Frais annuels(699$)(699$)(699$)
Plus: Crédit Voyage Annuel de 200$200$200$200$
Profit des Points-$50$600$1,250
Avantages SupplémentairesOuiOuiOui

La plupart d’entre vous vont se retrouver dans les colonnes 2 ou 3, avec des profits de 801$ à 1.451$ de profits, puisque vous pouvez lire les autres billets de notre blog sur la façon de trouver des vols peu onéreux vers l’Asie et des vols pas chers vers l’Europe. Vous trouverez de très nombreux vols qui vous permettront d’obtenir une valeur 2 ou 3 cents par point.

Mais si vous êtes ambitieux et que vous voulez profiter encore plus de vos points, il est tout à fait possible de dépasser ce qui est mentionné ci-dessus avec une valeur de 3 centimes par point ou plus. Envoyez-nous simplement un courrier électronique et nous vous aiderons à passer en revue vos options afin de vous assurer de tirer le meilleur parti.

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#4 Comment Utiliser Vos 65.000 Points ?

Étude de cas #1: Voyage en Asie

Supposons que vous souhaitiez faire un voyage à Hong Kong pour rendre visite à votre famille ou à vos amis. L’Amex Platinum est votre compagnon idéal, puisque l’un des meilleurs moyens d’utiliser vos 65.000 points Avios est de prendre des vols directs vers Hong Kong avec la compagnie Cathay Pacific.

Cathay Pacific étant une compagnie aérienne haut de gamme, ses vols coûtent au moins 1.000$ au départ de Vancouver et davantage à partir de Toronto.

Les vols aller-retour de Vancouver à Hong Kong ne coûtent que 60.000 points Avios + 90$ en taxes et frais. Les vols aller-retour de Toronto à Hong Kong coûtent 70.000 points Avios + 100$, bien que vous puissiez aussi payer une partie en espèces (environ 50$) et ramener le nombre de points nécessaires à 65 000 si vous le souhaitez.

Comment profiter d’un vol aller-retour à destination de Hong Kong pour 90$ ? Grâce à votre Carte de Platine Amex Canada.

Bien entendu, Hong Kong n’est pas la seule option. Tokyo étant un peu plus proche que Hong Kong, les vols entre Vancouver et Tokyo ne représentent que 50.000 points.

N’êtes-vous pas tenté ?

Étude de cas #2: Faire le Tour du Monde

Supposons que vous souhaitiez faire le tour du monde avec votre Carte de Platine American Express.

Aucun problème.

Si vous êtes à Vancouver, vous pouvez voyager de Vancouver à Hong Kong, de Dubaï à Londres, de Vancouver à Vancouver (ou dans la direction opposée) pour 74.700 points + 742$ de taxes et de frais.

Oui, 74.700, c’est un petit peu plus que les 65.000 points initiaux, mais ne vous inquiétez pas, vous gagnerez les 10.000 points supplémentaires (et plus encore!) après quelques mois d’utilisation de la carte.

Pour Toronto, cela fonctionne de la même manière.

Un vol de Toronto à Hong Kong, de Dubaï à Londres, de Londres à Toronto (ou l’inverse) ne coûte que 74.500 points + 761$ en taxes et frais.

Avez-vous déjà imaginé pouvoir faire le tour du monde pour 750$ ?

C’est le pouvoir de l’Amex Platinum.

VoyagePoints RequisTaxes & Frais
Aller-Retour : de Toronto à Hong Kong70,000$100
Aller-Retour : de Vancouver à Hong Kong60,000$90
Tour du Monde : de Toronto à Hong Kong, Dubai, Londres et Toronto74,500$761
Tour du Monde : de Vancouver à Hong Kong, Dubai, Londres et Vancouver74,700$742

Ces voyages autour du monde offrent une valeur bien supérieure à 4 cents par point. Ainsi, les frais de 699$ que vous avez payés vous permettent d’économiser plusieurs milliers de dollars sur les vols.

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#5 La Carte de Platine Amex Canada Vaut-Elle les 699$ De Frais Annuels ?

Absolument.

C’est la magie des frais annuels de 699 $: il est impossible de ne pas gagner d’argent en ayant cette carte, même après avoir payé les frais.

Étonnant, non?

Voici comment cela fonctionne.

Si vous utilisez vos 50.000 points de la pire des manières, ils vous rapportent tout de même 700 $. Pourquoi? Parce qu’American Express vous permet de récupérer vos points sur le solde de votre compte à une valeur d’un cent par point, soit 50.000 points = 500$. Ajoutez à cela votre crédit de voyage de 200$ pour 2019 et vous êtes à 700$.

Il est impossible de ne pas gagner d’argent avec la carte Amex Platinum.

Et cela ne tient même pas compte des autres avantages de la carte. L’assurance voyage / urgence / bagages et l’assurance pour les achats supplémentaires (en cas de vol / détérioration de vos biens personnels), l’accès aux salons des aéroports internationaux, les abonnements Premium. Et tout ce que vous voyez ici, n’est que la cerise sur le gâteau.

Ainsi, même si vous utilisez vos points de la pire façon possible – en les récupérant en tant en espèces sur votre compte – vous en sortez tout même gagnant.

Mais si vous les utilisez de la manière suggérée dans les sections 3 et 4 ci-dessus, vous pouvez raisonnablement vous attendre à économiser 800$ ou plus après la déduction des frais annuels.

#6 L’Assurance Voyage Amex Platinum

La Carte de Platine vient également avec une impressionnante police d’assurance voyage American Express. Voici ce que la police d’assurance comprend:

AvantageDescriptionLimite de couverture
Assurance accident de voyageVous, votre conjoint et vos enfants êtes couverts en cas de décès ou de mutilation accidentelle lors d’un voyage.500.000$
Assurance vol et dommages pour voitures de locationDommage ou vol de votre voiture de location.85.000$
Assurance retard de volFrais d’hôtel, de motel, de restaurant et autres frais divers lorsque votre vol est retardé.500$
Assurance retard de bagagesAchats d’urgence raisonnables et nécessaires lorsque vos bagages sont retardés.500$
Assurance bagages perdus ou volésPerte ou dommages de vos bagages ou effets personnels pendant le transit.500$
Assurance cambriolage hôtel / motelPerte de la plupart des objets personnels si votre hôtel / motel est cambriolé.500$
Assistance d’urgence en voyageRéférences médicales et juridiques par téléphone 24/7N/A

Chaque carte American Express comporte également deux autres assurances :

  1. Le plan de protection d’assurance de l’acheteur qui double la garantie du fabricant sur vos achats et réparera / remplacera les articles défectueux ou endommagés jusqu’à hauteur de 10.000$.
  2. Le plan de protection des achats assure vos achats contre les dommages matériels accidentels et le vol pendant les 90 jours suivant l’achat, jusqu’à hauteur de 1.000$.

La protection contre la fraude, le remplacement de la carte d’urgence dans le monde entier et le service client express 24h / 24, 7j / 7 sont également inclus avec chaque carte American Express.

#7 La Carte de Platine Amex Business

L’ensemble de cet article concerne la carte de Platine Amex, bien qu’il existe également une Carte de Platine American Express Business pour les Canadiens. Il existe quelques différences essentielles entre les deux cartes :

Les frais annuels plus élevés de la carte de Platine étant compensés par son crédit de voyage annuel de 200$, la plus grande différence entre les deux est que vous obtenez 10.000 points de bonus de bienvenue en moins avec la carte de Platine Business.

#8 Trois Autres Cartes Moins Chères à Considérer

Même si nous avons clairement montré comment vous pouvez économiser des milliers de dollars avec la carte de Platine, les frais annuels de 699$ ont tendance à toujours effrayer certaines personnes.

Voici donc quelques cartes moins chères et de grande valeur ajoutée que vous pouvez envisager à la place :

#1 La Carte Marriott Bonvoy™ Amex

Lancée en mars 2019, la carte American Express Marriott Bonvoy ™ est la meilleure carte de crédit de voyage disponible au Canada à l’heure actuelle. Elle offre 60.000 points de bonus de bienvenue pour un coût annuel de seulement 120$. Vous bénéficiez également d’une nuit d’hôtel gratuite par an après la première année d’utilisation de la carte – nuit que vous pouvez choisir de passer dans certains des hôtels les plus chics du monde. Tant que cette offre sera d’actualité, nous ne pourrons pas suffisamment recommander la carte Marriott Bonvoy ™ Amex.

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# 2 La carte Amex Cobalt

La carte Amex Cobalt est la meilleure carte disponible actuellement pour les dépenses quotidiennes. Pourquoi? Parce que vous pouvez obtenir jusqu’à 10% de remboursement sur vos dépenses en utilisant la carte Cobalt dans les bars, cafés, restaurants et épiceries partout au Canada.

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# 3 La carte Amex Gold Rewards

Vous pouvez considérer l’Amex Gold Canada comme la carte American Express classique. Elle est proposée avec 25.000 points bonus de bienvenue, ce qui est suffisant pour un vol aller-retour partout en Amérique du Nord. Avec ses frais annuels de 150$, la carte Gold Rewards offre un bon rapport qualité-prix depuis des années, bien que l’offre actuelle sur la nouvelle carte Marriott Bonvoy™ offre un rapport encore meilleur en ce moment.

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#9 Comment Faire La Demande d’une Carte American Express Platinum ?

Pour faire la demande de la carte de Platine American Express, il suffit de cliquer sur le bouton ci-dessous, de prendre 3 minutes pour remplir le formulaire et d’attendre quelques jours que votre carte soit livrée!

Toutefois, il est important d’agir dès maintenant: la prime de bienvenue de points privilèges était auparavant de 75.000 sur cette carte, mais Amex l’a réduit plusieurs fois au cours des dernières années. Demandez la vôtre pendant que cette offre est encore disponible.

L’Amex Platinum Canada est-elle la meilleure carte de crédit de voyage au Canada?

Si ce n’est pas la meilleure, l’Amex Platinum est certainement l’une des toutes meilleures cartes de crédit canadiennes en 2019. Tandis que la Carte Marriott Bonvoy ™ Amex a récemment attiré beaucoup d’attention pour son incroyable bonus de bienvenue de 50.000 points avec une cotisation annuelle de 120$ seulement, la carte de Platine offre également un excellent rapport qualité-prix.

#10 Foire Aux Questions

À Quoi Ressemble La Nouvelle Carte De Platine En Metal d’American Express?

Honnêtement, elle est plutôt classe!

Si vous ne le saviez pas déjà, l’American Express Platinum est maintenant en métal. Elle pèse 19 grammes (par exemple, une carte de crédit American Express en plastique pèse 5 grammes). Vous êtes certains d’impressionner vos amis lorsque vous la posez « par inadvertance » sur la table en payant.

Tous les nouveaux détenteurs de la carte de Platine reçoivent maintenant la carte en métal, ce qui constitue un bonus intéressant en plus de tous les avantages dont nous avons parlé plus haut. Les titulaires ayant déjà une carte peuvent également demander à tout moment que leur ancienne carte en plastique soit remplacée par une carte en métal.

Comment fonctionne le parrainage pour obtenir une Carte de Platine American Express ?

Inscrivez-vous ici pour obtenir le meilleur bonus de points de bienvenue disponible, qui est actuellement de 50.000 points. Après vous être inscrit, vous pouvez parrainer vos propres amis à l’American Express Platinum pour bénéficier d’un bonus de parrainage supplémentaire de 15.000 points.

Quelle est la taux de change utilisé par American Express Canada ?

Tous les achats effectués l’étranger utilisent le taux de change d’American Express, qui suit de très près le taux bancaire, avec de légères fluctuations autour de ce taux. Une commission de 2,5% est appliquée en plus sur tous les achats à l’étranger, quelle que soit la devise.

Comment fonctionne American Express Travel au Canada?

American Express Travel est le portail de voyage en ligne d’Amex pour l’achat de billets d’avions, la réservation d’hôtels et de voitures de location, ainsi que pour bénéficier de l’un des meilleurs services de conciergerie de voyages du secteur.

Le crédit de voyage annuel de 200$ fourni avec votre Amex Platinum peut être utilisé directement via la plateforme American Express Travel ou comme un montant crédité sur votre compte après avoir effectué un achat lié à un voyage avec votre carte.

Qu’est-ce que le service de conciergerie Amex?

Le service de conciergerie Amex Platinum est certainement un avantage sous-estimé de la carte de Platine. C’est totalement gratuit aussi longtemps que vous détenez la carte. Ce service est disponible pour vous offrir une assistance 24h / 24 et 7j / 7 pour de nombreuses choses.

Besoin d’une table pour quatre dans un restaurant qui affiche déjà complet à Paris ou à New York ? Aucun problème. Vous cherchez le cadeau idéal pour un ami qui vous rend visite. Facile.

Le service de conciergerie

J’utilise principalement le service de conciergerie Platinum pour m’aider à établir des itinéraires de voyage lorsque je visite une nouvelle ville et ils ont toujours fait un travail remarquable. Après une minute ou deux au téléphone pour connaître mes préférences (est-ce que j’aime les restaurants chics ou les banlieues discrètes ? Est-ce que je préfère visiter des musées ou flâner dans les quartiers ?, etc.). Ils renvoient un document d’une trentaine de pages décrivant les restaurants et les bars à visiter, les attractions culturelles, les événements qui se déroulent pendant mon séjour et bien plus. Il leur faut 24 à 48 heures pour compiler toute l’information, ce qui est extrêmement rapide.

Vous pouvez également demander de l’aide par courrier électronique, même si je trouve qu’il est plus simple et plus facile de les appeler (il n’y a jamais d’attente).

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