Simplii Financial Cash Back Visa Card

A No-Fee Cash Back Card That Rewards Your Everyday Canadian Lifestyle

The Simplii Financial Cash Back Visa Card feels like one of those rare products that doesn’t scream for attention but quietly delivers real value the moment you start using it. There’s nothing flashy about it—and that’s exactly why so many Canadians appreciate it. It slips easily into your routine, earning cash back on the places you already spend money without forcing you to think about categories, calendars, or point conversions. Whether you’re covering groceries, heading out for dinner, or managing those recurring monthly services that somehow multiply every year, the card does the heavy lifting without ever complicating things.

Part of its appeal comes from Simplii’s digital DNA. Since the bank was built around online and mobile tools, everything about this card feels clean and convenient. Checking your balance, confirming a payment, or seeing how much cash back you’ve earned takes seconds and never feels like a chore. If you like financial tools that stay out of your way, this card feels refreshingly light—something you use naturally instead of managing constantly.

CARTE DE CRÉDIT

Simplii Financial Cash Back Visa

10% discount No annual fee

SEE HOW TO APPLY You will be redirected

Benefits

Strong Cash Back on Groceries

You earn one of the card’s best cash back rates at grocery stores, which helps lower the cost of one of the most unavoidable expenses in Canadian life. It’s a small relief in a world where food prices keep edging upward, and over a few months the savings can feel surprisingly meaningful—especially for families or anyone keeping a close eye on weekly spending.

Enhanced Cash Back on Restaurants and Bars

Restaurants, cafés, bars, and takeout earn elevated cash back, so treating yourself comes with a little kickback every time. If you like discovering new spots or leaning on takeout during a long workweek, this perk softens the bill and adds a pleasant sense of payoff to the fun parts of your routine.

Savings on Gas and Transportation

Commuting and travel-related expenses earn extra cash back, helping offset the costs of getting around. Whether you’re filling up at the pump or relying on transit or ride-hailing services, the added rewards make moving through the city feel just a bit less expensive.

Cash Back on Recurring Bills

Your monthly services—streaming, phone plans, subscriptions—collect cash back automatically. These small but steady savings add up quietly in the background, making those unavoidable monthly charges slightly easier to absorb.

No Annual Fee

You won’t pay anything to keep the card active, which makes long-term use far more appealing. For Canadians who prefer financial products that don’t chip away at their budget, this simplicity is a big part of the card’s charm.

Easy, Automatic Cash Back Redemption

There’s no need to track points or trigger redemptions—cash back credits to your account automatically. This effortless system keeps the card feeling low-maintenance and ensures you never lose rewards to inactivity or forgotten deadlines.

Fully Digital Banking Experience

Simplii’s online tools let you track spending, check rewards, update details, and pay balances in seconds. If you like having everything available through your phone, the card integrates smoothly into that lifestyle without any frustration.

Strong Fraud Protection and Security

With Visa security features and Simplii monitoring, you get solid protection against unauthorized transactions. This kind of backup makes online shopping, travel, and everyday use feel more comfortable, especially if you’ve ever dealt with fraud in the past.

Extended Warranty and Purchase Protection

Eligible purchases receive extended warranty and purchase security, adding peace of mind to bigger purchases. It’s especially handy when buying appliances or electronics, where coverage that outlasts the manufacturer’s warranty can genuinely save you money.

Widely Accepted Across Canada and Internationally

Being a Visa, the card is accepted nearly everywhere, whether you’re shopping at a local market or traveling abroad. That universality is reassuring—you don’t have to worry about being turned away at the till or scrambling for another payment method during a trip.

Convenient Contactless and Mobile Payments

Tap payments and mobile wallet compatibility make quick purchases simple and fast. For anyone who prefers to zip through checkout lines, this feature adds a welcome level of convenience to daily spending.

Great for Budgeting and Tracking Spending

The card’s clear spending breakdowns help you stay organized and understand your financial habits. Seeing everything laid out so cleanly can make budgeting feel less overwhelming and help you keep tighter control of your month-to-month spending.

Who Can Apply?

• Must be a Canadian resident.
• Must be at the age of majority in their province or territory.
• Must have a Canadian credit file.
• Must meet Simplii Financial’s credit and income criteria.
• Must not have recent bankruptcy or significant unresolved credit issues.
• Must provide valid identification as requested by Simplii.

How to Apply

• Visit the Simplii Financial website and open the credit card application page.
• Sign in to your Simplii account or apply as a new user.
• Enter your personal and contact information.
• Provide employment and income details.
• Read through the card’s terms and conditions.
• Agree to the credit check authorization.
• Submit the application and wait for your email update.

Frequently Asked Questions

Does the Simplii Financial Cash Back Visa Card really have no annual fee?

Yes—there’s no annual fee at all, which keeps the card cost-effective year after year.

How is the cash back paid out?

Cash back is automatically credited to your account, so you never need to request or redeem it manually.

Can I use this card internationally?

Definitely. Anywhere Visa is accepted worldwide, your card should work—though foreign transaction fees may apply.

What credit score do I need to qualify?

Simplii doesn’t share a specific number, but generally a good credit history and reliable repayment behaviour help.

Does this card offer travel insurance?

It doesn’t include full travel insurance, but you do have extended warranty and purchase protection.

Can students apply for this card?

Yes—students can apply if they meet the income, residency, and credit requirements.

Is the cash back capped?

Yes, the boosted categories usually have limits. After that, standard rates apply.

CARTE DE CRÉDIT

Simplii Financial Cash Back Visa

10% discount No annual fee

SEE HOW TO APPLY You will be redirected