American Express Essential™ Credit Card

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  • Enjoy a low 8.99% interest rate on purchases
  • Have the flexibility to pay your balance in full or over time
  • Enjoy a 1.99% interest rate on optional balance transfers in the first 6 months if you choose to transfer your non-American Express card balances to this Card. There is no balance transfer fee at time of application
  • Access to memorable experiences with American Express Invites™
  • Shopping coverage and 24/7 Customer Service
  • American Express is not responsible for main 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
Apply Now at American Express - Canada's
secure site
Typical APR
Balance Transfer APR
Balance Transfer Fee
See Terms
Annual Fee
Credit Needed
Excellent Credit
* Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click the “Apply Now” button you can review the credit card terms and conditions on the issuer's website.