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) 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..