Offer

This product is not available for Quebec residents.

Welcome offer:

Earn 20% cashback† for your first 3 months on up to $500 spend on eligible gas, groceries, drugstore purchases and pre-authorized payments.

Earn:

4% cash back on eligible restaurant, bar and coffee shop purchases up to $5,000 spend per year^†.
1.5% cash back on eligible gas, groceries, drugstore purchases and pre-authorized payments, up to $15,000 per year^†.
0.5% cash back on all other credit card purchases with no limit on how much you can earn^†.

Other features:

Purchase Security and Extended Protection Insurance.^† Protect your purchases with double the manufacturer’s warranty, up to one additional year.
Get cash back when you send a Global Money Transfer and pay with your Visa* Card.^†
Send money abroad for no fee with your Simplii Visa using Simplii Global Money Transfer.
No annual fee

This offer is not available for Quebec residents. For Quebec residents, please click here.

Fees & Conditions

Personal Income $15,000

Household Income $15,000

Annual Fee $0

Foreign Transaction Fee 2.5%

Value

Calculate the rewards

Your Monthly Spending

Groceries

GAS / TRANSPORT

DINING

TRAVEL

BILLS

OTHER

Welcome Bonus

0 $

Annual Credit

Travel benefits

VIP Lounges

First year offer value

Rewards Earned

Annual fee

Net value

How we value points and benefits.

Advantages

Welcome Bonus amount Up to $100 cash back^†

Minimum Spending Required $500

Minimum Spending Timeframe (Months) 3 month(s)

Earnings

Per dollar of purchases

All Spending 0.5 %

Groceries 1.5 %

Gas 1.5 %

Dining and Food delivery 4 %

Convenience Stores 0.5 %

Drugstores 1.5 %

Local Transport 0.5 %

Travel 0.5 %

Entertainment 0.5 %

Recurring Payments 1.5 %

Telecom/Internet 0.5 %

Streaming services 0.5 %

Online transactions 0.5 %

Office Supplies 0.5 %

Insurance

Travel Insurance

Travel Medical Insurance

Travel medical insurance up to 54 years old

Travel medical insurance up to 64 years old

Travel medical insurance 65+

Trip Cancellation Insurance

Trip Interruption Insurance

Common Carrier Travel Accident Insurance

Flight Delay Insurance

Delayed Baggage Insurance

Lost/Stolen Baggage Insurance

Auto Rental Loss/Insurance

Hotel/Motel Burglary Insurance

This section sets out the maximum coverage amounts or periods. Please review your insurance certificate for details, exclusions and limitations of your coverage, terms and conditions apply.

Other Insurance

Extended Warranty

1 year

Purchase Protection

90 day(s)

Mobile Device Insurance

Price Protection

Our review

The Simplii Financial™ Cash Back Visa* is a no-annual-fee credit card that turns your everyday spending into real cash back.

With this limited-time offer, earn 20% cash back for your first 3 months on up to $500 in spending on gas, groceries, drugstore purchases and pre-authorized payments — that’s up to $100 back in your pocket.

After the welcome period, the Simplii Financial™ Cash Back Visa* continues to reward you with competitive cash-back rates on your most frequent purchases:

4% cash back on restaurants, bars and coffee shops (up to $5,000 per calendar year)†
1.5% cash back on grocery stores, gas stations, drugstores and pre-authorized payments (up to $15,000 per calendar year)†
0.5% cash back on all other purchases, with no annual spending limit†

With no annual fee and strong rewards on everyday categories, the Simplii Financial™ Cash Back Visa* is a smart choice for anyone looking to get more value from their daily spending.