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

Simplii Financial™ Cash Back Visa* Card

Get 10.99% interest rate on purchases and cash until February 2021

Welcome offer: For your first 4 months, enjoy 10% 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 and through Telephone Banking.

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

To support you during COVID-19, we’ve reduced the annual interest rate for Purchases and Cash Advances to 10.99% until February 2021.

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

Purchase interest rate^ⓘ
19.99^%

(10.99% until the first day of the period covered by your February 2021 monthly statement)

Cash interest rate^ⓘ
22.99^%

(10.99% until the first day of the period covered by your February 2021 monthly statement)

Minimum annual household income
^$15,000

Summary of Rates and Fees (PDF, 545 KB) Opens a new window in your browser.

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) Opens a new window in your browser.

CIBC Payment Protector™ Insurance for Credit Cards is an optional creditor’s group insurance underwritten by Canadian Premier Life Insurance Company (Canadian Premier) and administered by Canadian Premier and CIBC. For more information, go to canadianpremier.caOpens a new window in your browser. or call toll-free at 1-800-893-2862Opens your phone app..