Best Wealthsimple Cards in Canada - October 2026

Looking for the best Wealthsimple Cards in Canada? The right choice depends on your spending, annual fees and the benefits you will actually use.

Compare the 3 cards in our selection below. Interested in a card? Click Read review to read our full analysis.

Our selection — Wealthsimple
Credit card	Annual fee	Welcome offer
ExclusiveWealthsimple Visa Infinite+ Card Apply NowCompareRead review	Annual fee$240	Welcome offerInvitation-only offer (new Wealthsimple clients): extra 3% cash back (5% total) on the first $10,000 in net purchases during the 35 days after approval. The card must stay open for 180 days after the boosted period. Up to $500 cash back Invitation-only offer (new Wealthsimple clients): extra 3% cash back (5% total) on the first $10,000 in net purchases during the 35 days after approval. The card must stay open for 180 days after the boosted period.	Apply NowCompareRead review
ExclusiveWealthsimple Visa Infinite Privilege Card Apply NowCompareRead review	Annual fee$240	Welcome offerExclusive offer: extra 3% cash back (5% total) on the first $10,000 in net purchases during the 35 days after approval. The card must stay open for 180 days after the boosted period. Up to $500 cash back Exclusive offer: extra 3% cash back (5% total) on the first $10,000 in net purchases during the 35 days after approval. The card must stay open for 180 days after the boosted period.	Apply NowCompareRead review
Wealthsimple Prepaid Card Apply NowCompareRead review	Annual fee$0	Welcome offer $25 cash back	Apply NowCompareRead review

Wealthsimple Visa Infinite+ Card

Invitation-only welcome offer: earn up to $500 cash back on your first $10,000 in purchases during the 35 days after approval, for 5% cash back (2% base + 3% boost).

Purchases in the first 35 days	Base cash back (2%)	Boost (3%)	Total cash back (5%)
$2,500	$50	$75	$125
$5,000	$100	$150	$250
$10,000	$200	$300	$500

The 3% boost only applies to the first $10,000 in net purchases during the 35 days after approval; beyond that, purchases earn the standard 2%. The card must stay open for 180 days after the boosted period.

With the Wealthsimple Visa Infinite + Card, earn 2% cash back on all your purchases, with no categories to track and no cap.

In addition, there are no foreign exchange fees on any purchase made in a currency other than the Canadian dollar, and no annual fee if you hold more than $100,000 in assets with Wealthsimple, or if you transfer the direct deposit of an eligible payroll to Wealthsimple.

To be eligible for this card, you must have a personal income of at least $80,000 or a household income of at least $150,000.

Some travel insurance is not currently offered to Quebec residents.

ExclusiveCompare

Wealthsimple Visa Infinite+ Card

WealthsimpleCash Back

Annual fee: $240
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$500Total$500Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $500
Welcome offerInvitation-only offer (new Wealthsimple clients): extra 3% cash back (5% total) on the first $10,000 in net purchases during the 35 days after approval. The card must stay open for 180 days after the boosted period.: Up to $500 cash back

Annual fee

Primary card$240

Additional card$0

Annual income required

Individual$80,000

Household$150,000

Conversion fees

Earning rate

2xAll spending

Value

1st Year Value$360

2nd Year Value$240

Travel insurance

Travel medical (under 55)Up to $1,000,000 / 14 days

Travel medical (55-64)Up to $1,000,000 / 14 days

Trip CancellationUp to $1,000

Trip InterruptionUp to $1,000

Delayed BaggageUp to $500

Lost BaggageUp to $750

Flight DelayUp to $1,000

Purchase protection

Purchase ProtectionUp to $1,000 / 90 days

Extended Warranty+1 years

Mobile DeviceUp to $1,000

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Wealthsimple Visa Infinite Privilege Card

Exclusive welcome offer: earn up to $500 cash back on your first $10,000 in purchases during the 35 days after approval, for 5% cash back (2% base + 3% boost).

Purchases in the first 35 days	Base cash back (2%)	Boost (3%)	Total cash back (5%)
$2,500	$50	$75	$125
$5,000	$100	$150	$250
$10,000	$200	$300	$500

With the Wealthsimple Visa Infinite Privilege Card, get 2% cash back on all your purchases, with no annual limit.

In addition, there are no foreign exchange fees for any purchase made in a currency other than the Canadian dollar and no annual fees if you hold more than $100,000 in assets with Wealthsimple, or if you transfer direct deposit of an eligible payroll to Wealthsimple.

Some travel insurance is not currently offered to Quebec residents.

ExclusiveCompare

Wealthsimple Visa Infinite Privilege Card

WealthsimpleCash Back

Annual fee: $240
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$500Total$500Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $500
Welcome offerExclusive offer: extra 3% cash back (5% total) on the first $10,000 in net purchases during the 35 days after approval. The card must stay open for 180 days after the boosted period.: Up to $500 cash back

Annual fee

Primary card$240

Additional card$0

Annual income required

Individual$150,000

Household$200,000

Conversion fees

Earning rate

2xAll spending

Value

1st Year Value$360

2nd Year Value$480

Card benefits

Airport lounge access$240

Travel insurance

Travel medical (under 55)Up to $2,000,000 / 14 days

Travel medical (55-64)Up to $2,000,000 / 14 days

Trip CancellationUp to $1,500

Trip InterruptionUp to $1,500

Delayed BaggageUp to $1,000

Lost BaggageUp to $1,000

Purchase protection

Purchase ProtectionIncluded

Extended Warranty+1 years

Mobile DeviceUp to $1,000

Auto Rental Collision (primary)Included

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Wealthsimple Prepaid Card

With the Wealthsimple prepaid card, you can access your available funds in your Wealthsimple chequing account. Wealthsimple is gradually replacing its Mastercard with a Visa Platinum Prepaid card.

With this welcome offer, you can get $25 cash back as a new Wealthsimple client. To do this, you simply need to open an account and then deposit at least $1 within 30 days.

You can invest your money in an investment account or a cryptocurrency of your choice. Also, you earn interest on your Wealthsimple Cash account balance! Wealthsimple Generation clients can earn an interest rate of up to 2.25%.

In addition, there are no foreign transaction fees for any purchase made in a currency other than the Canadian dollar and no annual fees.

Compare

Wealthsimple Prepaid Card

WealthsimpleCash Back

Annual fee: $0
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$25Total$25Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $25
Welcome offer: $25 cash back

Annual fee

Primary card$0

Value

1st Year Value$325

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Purchases in the first 35 days

Base cash back (2%)

Boost (3%)

Total cash back (5%)

$2,500

$50

$75

$125

$5,000

$100

$150

$250

$10,000

$200

$300

$500

Purchases in the first 35 days

Base cash back (2%)

Boost (3%)

Total cash back (5%)

$2,500

$50

$75

$125

$5,000

$100

$150

$250

$10,000

$200

$300

$500

With the Wealthsimple prepaid card, you can access your available funds in your Wealthsimple chequing account. Wealthsimple is gradually replacing its Mastercard with a Visa Platinum Prepaid card.

With this welcome offer, you can get $25 cash back as a new Wealthsimple client. To do this, you simply need to open an account and then deposit at least $1 within 30 days.

In addition, there are no foreign transaction fees for any purchase made in a currency other than the Canadian dollar and no annual fees.

Wealthsimple Visa Infinite+ Card

Annual fee

Annual income required

Conversion fees

Earning rate

Value

Travel insurance

Purchase protection

Wealthsimple Visa Infinite Privilege Card

Annual fee

Annual income required

Conversion fees

Earning rate

Value

Card benefits

Travel insurance

Purchase protection

Wealthsimple Prepaid Card

Annual fee

Value

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