American Express EssentialTM Credit Card vs Simplii Cash Back Visa
| American Express EssentialTM Credit Card | Simplii Cash Back Visa | |
|---|---|---|
| Issuer | American Express | Simplii Financial |
| Network | American Express | Visa |
| Annual fee | No fee | No fee |
| Purchase APR | 12.99% | 21.99% |
| Cash advance APR | 12.99% | 22.99% |
| FX fee | — | — |
| Welcome (est. value) | — | See offer |
| Top earn rate | — | 4% Restaurants, Bars and Coffee Shops |
| Lounge visits | — | — |
| Min. income | — | $15,000 |