Our cash back Visa* card has no fees and all the perks

Use your card anywhere Visa* is accepted, whether it’s in person or online.

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

Skip the interest if you can pay your balance in full on time every month.

Tip: your payment due date is 21 days from your monthly statement date, and making those monthly payments on time can help you avoid any interest-rate increases.

Want to use a cash advance, balance transfer or convenience cheque? Interest is always charged on these, so our unsecured personal line of credit may be a more budget-friendly fit.

Eat more, get more

We have Canada’s richest cash back card for eating out. 

No annual fee — seriously.

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

Get additional cardholders

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

$400
$700
$100
Your estimated rewards: 354 dollars for the first year.

$324 per year + welcome offer

 Special offer

Get 9.99% introductory annual interest on purchases for the first 3 months. Get 19.99% after that.  

 Welcome offer

For your first 4 months, enjoy 10% bonus cash back at eligible restaurants and bars up to $500 spend. Get 4% cash back after that.

Bring a friend. Earn $50. Repeat.

You and a friend could both earn $50 when they open a No Fee Chequing Account or another eligible account with your unique referral link. Share your link and get rewarded.

Paying online is easy, smart and secure. Just look for this icon  for click to pay. For more information, visit Visa Opens a new window in your browser..

Learn how it works Opens a new window in your browser.

Get cash back when you send a Global Money Transfer and pay with your Visa* Card. There are no transaction fees, and you won’t be charged interest if you pay your balance by the payment due date.

Tell me more about how to send money abroad

Get real-time fraud alerts by email, text and phone about suspicious activity on your credit card.

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

Learn more

Build your credit history in Canada with us

Get up to a $10,000 credit limit when you apply for our credit card through the New to Canada Banking Program. Pay no annual fee and earn cash back on your moving expenses and new bills.

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

Verify your identity with ease

NEW Digital banking has never been so simple. With Interac® document verification service, you can verify your identity safely from the comfort of your own home.

Coverage

Included

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 in a new window.

Optional EXTRA

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

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