American ExpressFX: 2.5%Cash BackNo Annual Fee
American Express
Amex SimplyCash Card
Cash Back
First Year Bonus
~$100
Welcome Bonus
5% back (first 3 mo)
Annual Fee
$0
Spend Required
$2,000 (3 mo)
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Data verified Apr 12, 2026
Earn rates
2%
gas & grocery
1.25%
everywhere else
Points value: 1.25–2% cash back rate
Transfer partners
Cash back — no transfer partners
Lounge access
No lounge access
Additional perks
- ✓No annual fee
- ✓Amex Invites access
- ✓Best no-fee entry into Amex ecosystem
Insurance coverage
Travel Medical
Trip Cancellation
Trip Interruption
Baggage Delay
Lost Baggage
Rental Car
Purchase Protection
Extended Warranty
Card details
NetworkAmerican Express
Annual fee$0
Foreign fee2.5%
Income req.None stated
ProgramCash Back
