American Express EssentialTM Credit Card
Annual fee
CA$25
Welcome bonus
—
none listed
Est. 12-mo value
CA$-25
bonus × ¢/pt − fee
Base ¢/pt
1.95
up to 5.0¢ sweet spot
Foreign txn
2.5%
Benefits
3 / 10
Earn Rates
no earn-rate data on file
Benefits & Insurance
·Airport Lounge
·No FX Fee
✓Car Rental Insurance
·Travel Medical
·Trip Cancellation
·Flight Delay
·Mobile Insurance
✓Purchase Protection
✓Extended Warranty
·Free Checked Bags
Key Perks
Get more flexibility when paying off your balance
Access to Amex ExperiencesTM
Save on interest payments with an interest rate of 12.99%
Insurance Detail
travel accident
100000
purchase protection
7
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// last updated 2026-02-23 · est. value = welcome bonus × base ¢/pt − annual fee