Amex SimplyCash, just not worth it

The Amex SimplyCash is the little brother of the Amex SimplyCash Preferred with an earn rate of 1.25% cashback on all purchases and no annual fee it is a really good catch-all card.

Annual Fee & Signup Bouns

• No Annual Fee
• Earn 2.5% cashback in the first month 3 months up to $150.

Earning rates + Bonuses

• 1.25% cashback

Redemption Options

• The cashback is payout annually in September as a statement credit.

Insurance

• $100,000 Travel Accident Insurance
• Buyer’s Assurance Protection Plan
• Purchase Protection Plan

Thoughts

The only reason I would get the Amex SimplyCash is if I didn't want to go through the hassle of trying to get a better a better CPP evaluation than 1.25 CPP, if I didn’t mind the hassle then I would go with the Amex Choice as if the fixed point flight redemption you could get up to 1.8 CPP.