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

Simplii Financial™ Cash Back Visa* Card

Get 9.99% introductory annual interest on purchases for the first 6 months^ⓘ

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.

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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

Use Click to Pay online

Paying online is easy, smart and secure. No more entering 16-digit card numbers, looking up passwords or filling out forms to make online purchases. Just look for this icon to click to pay online. For more information, visit Visa Opens a new window in your browser..

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

^NEW Send money abroad^ⓘ

Get cash back when you send a Simplii Financial Global Money Transfer and pay using your Cash Back Visa Card. There are no transaction fees and you won’t be charged interest, as long as you pay your balance by the payment due date.^ⓘ

Tell me more about how to send money abroad

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^®.

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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.

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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, 150 KB) Opens in a new window.

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..