American Express SimplyCash Preferred Card
Reward estimates are based on published earn rates and may vary. Butter may earn a referral fee when you apply through our links, including through partner networks. This never affects our recommendations, which are based on your spending data, not commissions. Butter provides information and tools, not financial advice.
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Is this card right for you?
A flat-rate cash back leader: 2% back on everything with no categories to track, plus elevated rates on gas and groceries — simple, high cash back if you can use Amex.
People who want a high flat cash back rate (2%) and can use Amex where they shop.
Cash-back seekers who don't want to track categories.
Amex acceptance gaps are a problem for you.
You'd rather a no-fee card (this carries a ~$120 fee
the 2% needs enough spend to justify it vs a free 1.5–2% card).
Watch-outs ~$120 annual fee — needs ~$X spend to beat a free flat-rate card. · 2.5% FX fee; Amex acceptance.
Butter may earn a referral fee when you apply through our links, including through partner networks. This never affects our recommendations, which are based solely on your spending data, not commissions. Butter provides information and tools, not financial advice. Card details such as earn rates, fees and bonuses may change. Verify on issuer's site → Always confirm with the issuer before applying.