American Express True Cashback Card
Uncapped flat-rate cashback on everything, with no categories to manage.
- Issuer
- American Express
- Network
- Amex
- Rewards
- Cashback
- Annual fee
- Annual fee, often waivable
Beginner-friendly
General spendOverseas spend
Pros
- +1.5% flat cashback on everything, uncapped, no min spend
- +3% intro cashback first 6 months, up to S$5,000 spend
- +First-year annual fee waived
- +Simple and beginner-friendly, no categories to track
Cons
- −S$174.40 annual fee from year two
- −1.5% base rate is low vs tiered cashback cards
- −Amex less widely accepted in Singapore than Visa/Mastercard
| Annual fee | S$174.40as of 16 Jun 2026 |
|---|---|
| Cashback | 1.5% flat, uncapped, no minimum spendas of 16 Jun 2026 |
| Min. income (S'porean/PR) | S$30,000/yras of 16 Jun 2026 |
| Min. income (foreigner) | S$60,000/yras of 16 Jun 2026 |
Eligibility: Age 21+. Amex does not publish income on its own page; S$30,000 (S'porean/PR) and S$60,000 (foreigner) come from third-party comparison sites.
Who it’s for
The American Express True Cashback Card is a cashback card from American Express, best suited to people who spend on general spend and overseas spend. It's beginner-friendly. It carries an annual fee that can often be waived. Confirm the current terms before applying.
View official detailsAlways confirm the latest fees, rates and terms on the issuer’s site.
Sources
- American Express official product page
- MoneySmart: Best American Express Cards
- SingSaver: Best Cashback Cards Jun 2026
Last reviewed 16 Jun 2026.
Other cashback cards
- UOB One Card — UOB
- OCBC 365 Credit Card — OCBC
- Citi Cash Back Card — Citibank