Pasta bowl, fork and Simplii Financial Cash Visa Card on a table

Simplii Financial™ Cash Back Visa* Card

Eat, drink and get up to 10^% cash back^ⓘ

Welcome offer: For your first 4 months, enjoy bonus cash back at restaurants and bars up to $500 spend. Get 4% cash back after that.

Available only to Simplii clients who apply online.

Sign on to apply Not a client yet?

Great rewards

Dine at restaurants, fill your gas tank, buy groceries — there's no limit to the total cash back you can earn.^ⓘ

No annual fee

Get all the benefits of the Simplii Financial Cash Back Visa Card with no annual fee.

Additional cardholders

Add up to 3 additional cardholders and earn cash back faster. Don't worry, you can set spending limits.^ⓘ

Calculate your cash back

Find out how easy it is to earn cash back rewards. Enter your monthly spend in each of the three categories to calculate your potential cash back.

Earn 4%on eligible restaurant, bar and coffee shop purchases, up to $5,000 per year.¹

$400

Earn 1.5%on eligible gas, groceries, drugstore purchases and pre-authorized payments, up to $15,000 per year.¹

$700

Earn 0.5%on all other credit card purchases with no limit on how much you can earn.¹

$100

$324 per year^‡ + welcome offer

Ready to reward yourself?

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More reasons to love this card

Check out faster online

Skip entering your payment and shipping details. Sign up for Visa Checkout* to save time when you shop online.

Shop securely

Stay secure with chip and pin technology. Get real-time fraud alerts by email, text and phone about suspicious activity on your credit card.

Pay with your phone

Add your credit card to your mobile wallet and pay with Apple Pay, Google Pay™ or Samsung Pay^®.

Learn more

Rates, fees and eligibility

Annual fee (for primary cardholder and up to 3 additional cards)
^$0

Purchase interest rate^ⓘ
19.99^%

Cash
interest rate^ⓘ
22.99^%

Minimum annual household income
^$15,000

Summary of Rates and Fees (PDF, 470 KB)

Coverage

Included

Purchase Security and Extended Protection Insurance^ⓘ

Protect your purchases with double the manufacturer’s warranty, up to one additional year.

Insurance Certificate for Purchase Security and Extended Protection Insurance (PDF, 100 KB)Opens a new window in your browser.

Optional EXTRA

CIBC Payment Protector™ Insurance for Credit Cards^ⓘ

Helps you pay your credit card in times of need, like involuntary job loss, disability, critical illness or if you were to pass away.

CIBC Payment Protector Insurance for Credit Cards (PDF, 770 KB)

Optional EXTRA

CIBC Emergency Travel Medical Insurance^ⓘ

Enjoy your trip more knowing you have insurance protection in the event of an emergency.

Learn about CIBC Emergency Travel Medical InsuranceOpens a new window in your browser.

Top credit card FAQ

How do I qualify for the Simplii Financial Cash Back Visa Card?
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- You're a Simplii Financial client
- Your minimum household annual income is $15,000
- You're a Canadian resident (excluding Quebec)
- You've reached the age of majority in your province or territory
- You haven't declared bankruptcy in the last 7 years
Already a client? Sign on to apply.Opens in a new window.

Already a client? Sign on to apply.Opens in a new window.

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How do I find out the status of my application?
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Once you've submitted your application, we'll be able to tell you within a few days if you've been approved. If we need more information from you, we will reach out to you directly. If you have any questions about your application, you can give us a call at 1-888-723-8881.
How do I add additional cardholders to my Simplii Financial Cash Back Visa Card?
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You can add cardholders when applying for the credit card online. You can also call us at 1-888-723-8881.
Do I earn cash back when my additional cardholders make a purchase?
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Yes, all your additional cardholders earn cash back for you.
When will I receive my cash back?
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You’ll get your cash back as a one-time annual credit on your December statement. Your cash back accumulates monthly, starting January 1, or when you first open your credit card account.^ⓘ