American Express
SimplyCash Preferred Card from American Express
Cash back
Welcome offer
Verified · Oct 4Up to $250 cash back
Earn an extra 10% cash back in the first 3 months, on up to $2,000 in spending (up to $200), plus a $50 statement credit when you make another purchase in month 13.
- Minimum spend
- $2,000 in 3 months
- Apply by
- Not stated
The annual fee is charged monthly at $9.99. The fee figure comes from another site, and I could not find it on the Amex page.
Checked on October 4, 2026. See the source page
See this card on the issuer's website ↗Fees and requirements
- Annual fee
- $119.88
- Foreign transaction fee
- 2.5%
- Purchase rate
- 21.99%
- Cash advance rate
- 21.99%
- Income requirement
- Not stated
- Costco in store
- Not accepted (Costco takes only Mastercard in store)
Fees and rates were imported on September 6, 2026, and the annual fee has been checked.
Welcome offer history
I have tracked this card's welcome offer since October 4, 2026, and it has not changed. Each time it changes, the old offer will be struck through and kept here.
- Now · Checked October 4, 2026Up to $250 cash backSpend $2,000 in 3 months · Annual fee $119.88
Rewards
What each category earns
| Category | Earn per $1 |
|---|---|
| Groceries | 4% |
| Dining and delivery | 2% |
| Gas and EV charging | 4% |
| Recurring bills | 2% |
| Transit | 2% |
| Drugstores | 2% |
| Travel | 2% |
| Entertainment | 2% |
| Phone and internet | 2% |
| Streaming | 2% |
| Online shopping | 2% |
| Convenience stores | 2% |
| Office supplies | 2% |
| Other spending | 2% |
High-return categories usually have a monthly or annual cap, and issuers exclude some merchants. Imported on September 6, 2026, not checked line by line.
Included insurance
- Travel medical
- Included
- Travel medical (age 54 and under)
- $5,000,000, 15 day(s)
- Travel medical (age 64 and under)
- $5,000,000, 15 day(s)
- Travel accident
- $100,000
- Flight delay
- $500
- Baggage delay
- $500
- Lost baggage
- $500
- Rental car collision
- $85,000, 48 day(s)
- Hotel burglary
- $500
- Extended warranty
- 1 year
- Purchase protection
- 90 day(s)
- Mobile device
- $1,000, 1 year
Coverage amounts and number of days are as stated in the certificate of insurance.