wealthgeist
Simplii Cash Back · Visa
Simplii Cash Back Visa
Cash back without an annual fee. Compare the earn rates and conditions with where you shop.
- Annual fee
- $0
- Foreign transaction fee
- 2.5%
- Purchase APR
- 21.99%
Free · No account needed
Card details reviewed
You prefer cash back and spend at merchants that qualify for the listed rates.
A different card may earn more at your usual stores. Interest can outweigh rewards if you carry a balance.
Your estimate
See the rewards after fees, based on where you actually shop.
Your spending is ready to use.
Calculate with my spendingAn estimate, not a guarantee. Approval is up to the issuer.
Rewards
Current rates. Conditions and limits matter as much as the headline number.
- Restaurants and bars
- 4% cash back
Limit: $5,000 in eligible spending per calendar year; then 0.5%.
- Gas, groceries, drugstores, and pre-authorized payments
- 1.5% cash back
Limit: $15,000 in eligible spending per calendar year; then 0.5%.
- All other purchases
- 0.5% cash back
Merchant coding and eligibility determine the rate. Rates do not add together unless the issuer explicitly allows it.
Using your rewards
Redemption value depends on how you use your rewards. Check the issuer’s redemption terms before comparing points with cash.
Welcome offer
Earn up to 10% cash back on eligible restaurant purchases for the first 4 months on up to $1,000 spend ($100 value)
Fees and eligibility
Paying interest can outweigh the rewards you earn.
- Annual fee
- $0
- Additional card
- $0
- Purchase interest rate
- 21.99%
- Cash advance interest rate
- 22.99%
- Foreign transaction fee
- 2.5%
Who can apply?
- Minimum income
- No minimum stated
Meeting published income criteria does not guarantee approval. Other eligibility conditions and fees may apply.
Things to know
4% on first $5,000 net annual dining spend; 1.5% on first $15,000 net annual gas, grocery, drugstore, and pre-authorized payment spend; 0.5% on all other purchases. Caps reset after the December statement date. Cash back is credited annually on the primary cardholder's January statement.
More fees and conditions
Not available to residents of Quebec. Available to Canadian residents of legal age in all other provinces and territories.
2.5% conversion fee applies to both foreign currency debit and credit/refund transactions. Exchange rates are determined by Visa.
Cash back earned on net card purchases only. Returns reduce earned cash back. Cash advances, balance transfers, fees, interest, and payments do not earn cash back.
Up to 3 additional cardholders for $0 annual fee. Primary cardholder can set custom authorized user spending limits.
Benefits
Value the benefits you will use—not every advertised perk.
Card benefits
Purchase Security and Extended Protection Insurance underwritten by Belair Insurance Company Inc.
Mobile wallet support for Apple Pay and Google Pay; Click to Pay online checkout; online and mobile banking.
Zero Liability protection against fraudulent or unauthorized card purchases.
Insurance & purchase protection
Coverage has eligibility rules, limits and exclusions. The insurance certificate controls.
Purchase security extended protection
Purchase Security and Extended Protection Insurance underwritten by Belair Insurance Company Inc.
Similar cards
Related reward programs and fees—not a ranking for your spending.
Common questions
Is Simplii Cash Back Visa worth the annual fee?
There’s no annual fee, but another card may reward your spending more. Use your spending to compare the ongoing value after fees.
Does this card charge a foreign transaction fee?
The published foreign transaction fee is 2.5%. Exchange rates and other applicable charges can still affect your cost. See the issuer’s terms.
How does WealthGeist calculate my estimate?
We match eligible spending to each card’s reward rules, account for spending limits and subtract fees. You can check the breakdown and adjust assumptions. Welcome offers and ongoing rewards are shown separately.
How we compare