SimplyCash Preferred Card from American Express

Issuer wording: 4% cash back on eligible gas purchases at stand-alone gas stations in Canada; 4% cash back on eligible grocery purchases at stand-alone grocery stores in Canada 'up to a maximum of $30,000 in purchases posted to your account on this category (equal to $1,200 cash back) annually'; 2% on all other eligible purchases with no limit. Conservative reading: the $30,000 spend / $1,200 cash back cap is stated against the grocery category only; after the cap groceries earn 2%. No published cap on the gas category. Reset basis for the cap is not stated on the benefits page for this card (the no-fee SimplyCash page states an anniversary-year reset), unverified here.

Up to $200 in bonus cash back in the first 3 months (10% cash back on up to $2,000 in purchases), plus a $50 statement credit in month 13 provided at least one purchase is made in that month. Tier 1 is an accelerated rate capped at $2,000 of spend, not a lump sum. No offer end date published.

Out of Province/Country Emergency Medical up to $5,000,000, first 15 consecutive days, under age 65. Flight Delay up to $500 (4+ hours) COMBINED with Baggage Delay up to $500 (6+ hours), one shared $500 limit. Lost or Stolen Baggage up to $500 per trip (checked and carry-on combined). Hotel Burglary up to $500. Travel Accident $100,000 AD&D. Car Rental Theft and Damage up to $85,000 MSRP, rentals of 48 days or less. Mobile Device Insurance up to $1,000 (theft/loss/accidental damage worldwide, max 2 years from purchase, coverage starts day 91). Purchase Protection up to $1,000 per occurrence for 90 days. Buyer's Assurance +1 year warranty. No trip cancellation or trip interruption insurance. Amex bills this card monthly rather than annually: $9.99 a month outside Quebec, which is $119.88 a year, and a flat $119 a year for Quebec residents. We record the higher figure. The purchase and funds advance rates are both 21.99%, rising to 25.99% or 29.99% after missed payments. Annual fee is NOT PUBLISHED on any Amex-controlled page we could fetch. The card is widely quoted as a monthly-billed fee, so do not populate from secondary sources. '$5 million emergency medical' covers only the first 15 consecutive days and only under age 65, effectively useless for travellers 65+. Flight Delay and Baggage Delay share a single $500 combined limit; they are not $500 each. 4% grocery rate stops at $30,000 of grocery spend / $1,200 cash back and reverts to 2%. 'Stand-alone' gas/grocery requirement excludes warehouse clubs and superstores from the 4% rates. No trip cancellation or trip interruption insurance despite the travel-style coverage list.