Summary of Flytrippers' review
WHY GET THIS CARD
- Low interest rate of 12.99% on purchases
- Access to discounts and credits with Amex Offers
WHO SHOULD GET THIS CARD
- Those who want a low interest rate
American Express Essential™ Card
| Flytrippers opinion: A card for those who don't pay their balances every month. | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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Flytrippers Valuation of Welcome bonus (net value) |
via Amex secure application link |
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–$25ⓘ Rewards: $0 Card fee: $25 |
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Card eligibility
no minimum income required Welcome bonus eligibility must not have had this specific card ever before |
No rewards (low interest rate)
Bonus: None Earn on min. spend: $0 (total: $0) |
How to unlock bonus
no welcome bonus |
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| Terms and conditions apply. Flytrippers editorial opinion only. Amex is not responsible for maintaining the content on this site. Please click "Apply Now" to see most up-to-date information. | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
How to learn more
- Go to our editorial card review page (coming soon)
- Keep scrolling here for all the details
Card details
Net value
- $0 Bonus
- –$25 Card fee (deducted from Valuation)
–$25 Total net value
‣ Details about our Flytrippers Valuation of welcome bonuses
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Effective return rate
–25% Return on the minimum spending requirement of $0*
*$1 for calculations
‣ Details about effective return rates (coming soon)
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Rewards acquisition summary
$0 Rewards you get for $25 in fees paid
Value of redemption options
No rewards
Earn rates
No rewards
Discounts and credits with Amex Offers
Access to discounts, credits, and special offers throughout the year.
‣ Learn more about the Amex Offers benefit
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Amex ExperiencesTM
Access to exclusive virtual and in-person experiences and pre-sale tickets to lots of events.
‣ Learn more about Amex ExperiencesTM (coming soon)
Insurance included
Travel accident insurance
‣Learn more about the insurance coverage included with the American Express Essential™ Card (coming soon)
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Insurance not included
Medical travel insurance
Trip cancelation insurance
Trip interruption insurance
Flight delay insurance
Rental car insurance
Delayed and lost baggage insurance
Hotel burglary insurance
Purchase protection coverage
Extended warranty coverage
Mobile device insurance
‣Learn more about the different types of insurance coverage (coming soon)
Card eligibility
Minimum income: $0
Age: Majority in your province
Estimated credit score: Good or Excellent
Credit bureau: TransUnion Canada
‣Learn more about credit card eligibility requirements (coming soon)
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Welcome bonus eligibility
No welcome bonus
‣Learn more about credit card welcome bonus eligibility rules (coming soon)
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Offer end date
No welcome bonus
‣Subscribe to Flytrippers’ free travel rewards newsletter to get all card updates
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Card details
Issuer: American Express Canada
Network: American Express
Card type: Credit card
Product type: Personal card
‣Learn more about credit card types basics (coming soon)
Fees
Card fee: $25/year
Fee for additional card: $0
Foreign transaction fee: 2.5%
Balance transfer fee: N/A
‣Learn more about why Flytrippers recommends never looking at the fee alone (coming soon)
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Annual interest rates
Purchases: 12.99%
Cash advances: 12.99%
Balance transfers: N/A
Purchases (penalty): 25.99% – 28.99% Variable
‣Learn more about why Flytrippers recommends ignoring rates (coming soon)
• Enjoy an annual interest rate of 12.99% on purchases and funds advances
• With an annual interest rate of 12.99%, you can save on interest payments if you choose to carry a balance and make your minimum monthly payments on time
• Access virtual events and special offers curated for Cardmembers with Amex ExperiencesTM
• 24/7 Customer Services
• American Express is not responsible for maintaining or monitoring the accuracy of information on this website.
For full details, current product information and Terms and Conditions, click the Apply now link. Conditions apply
Start earning rewards today
And make sure to download our free checklist for when you get a new card—it includes very important mistakes to avoid
(it will open in a separate tab, or you can click here)
via Amex secure application
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Terms & conditions — Travel rewards
†Terms and conditions apply.
This content is not sponsored. However, this page may contain some affiliate links that allow Flytrippers to earn a commission at absolutely no cost to you. Thank you for using our links and helping us keep all our content free for everyone. This helps us fulfill our mission of helping Canadians travel more for less.
The views and opinions expressed on this page are purely our own. They have not been provided, approved, endorsed, or ratified by any third party mentioned on the site.
Financial institutions are not responsible for updating or ensuring the accuracy of the information on Flytrippers’ website. All the information was independently collected by Flytrippers and not provided by financial institutions.
All offers described on the Flytrippers website are subject to the financial institutions’ latest terms and conditions, which can be found on their official website. No efforts are spared to ensure this page is up to date but offers from financial institutions change quickly. It is your responsibility to ensure the accuracy of these offers on their website. Flytrippers will not accept any responsibility for the accuracy of the offers or the result of your actions.
Flytrippers’ website does not contain all available credit card offers or all available credit card products on the market. In addition, Flytrippers never shares an offer if it is not considered advantageous for some travelers, at its sole discretion.
No author on Flytrippers’ website is a financial advisor, a financial planner, a legal professional, or a tax professional. No author on Flytrippers’ website can in any way be considered as such.
All articles, pages, and content on Flytrippers’ website are merely personal opinions of a general nature and are for informational purposes only and should not be considered advice for specific situations. It is your responsibility to perform your own personal research to ensure that travel rewards are appropriate for your own situation.
You can learn more about our terms of use here.
Valuation $-25