American Express EssentialTM Credit Card vs SimplyCash® Card from American Express
| American Express EssentialTM Credit Card | SimplyCash® Card from American Express | |
|---|---|---|
| Issuer | American Express | American Express |
| Network | American Express | American Express |
| Annual fee | No fee | No fee |
| Purchase APR | 12.99% | 21.99% |
| Cash advance APR | 12.99% | 21.99% |
| FX fee | — | — |
| Welcome (est. value) | — | See offer |
| Top earn rate | — | 2% Gas |
| Lounge visits | — | — |
| Min. income | — | — |