Simplii Financial Cash Back Visa Card

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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.¹

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.²

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, coffee shop, and takeout 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

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

Rates, fees and eligibility

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

Purchase interest rate³
19.99^%

Cash
interest rate³
22.99^%

Minimum annual household income
^$15,000

Summary of Rates and Fees (PDF, 470 KB)

Coverage

Included

Purchase Security and Extended Protection Insurance⁴

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 Cards⁵

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, 600 KB)

Optional EXTRA

CIBC Emergency Travel Medical Insurance⁶

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?
Select to show or hide answer.
- 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.

Not a client yet? Learn more about Simplii Financial.Opens a popup.
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?
Select to show or hide answer.

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.⁷

All frequently asked questions

Get the Simplii Financial Cash Back Visa Card.

Sign on to apply

Not a client yet? Learn moreabout becoming a Simplii client. Opens a popup.

Useful downloads

Cardholder Agreement (PDF, 100 KB)Opens a new window in your browser.

Certificate of Insurance (PDF, 100 KB)Opens a new window in your browser.

Opens a new window in your browser.Benefits Guide (PDF, 100 KB)

Summary of Rates and Fees (PDF, 470 KB)Opens a new window in your browser.

Activate your card

Give us a call at 1-888-723-8881.

Have questions?

Top FAQ

Call us at 1-888-723-8881

Email us at talktous@simplii.com

^†This 10% cash back offer (applies an incremental 6% cash back to the 4% cash back already awarded) on eligible restaurant, bar, coffee shop and takeout purchases is available to new cardholders who apply and are approved for the Simplii Financial Cash Back Visa Card. The 6% incremental cash back applies on eligible restaurant, bar, coffee shop and takeout purchases made during your first 4 monthly statement periods beginning from your account open date or $500 in total restaurant, bar, coffee shop and takeout purchases (equal to $30 cash back), whichever comes first. This offer will not result in any changes to the 4% cash back already earned on restaurant, bar, coffee shop and takeout purchases, and those purchases will be included within the $5,000 annual spend limit that earns 4% cash back. This offer may be withdrawn or changed without prior notice at any time. Simplii Financial may, in its sole discretion, disqualify, limit or revoke this offer if you are believed to be abusing or manipulating it, or engaging in any suspicious or fraudulent activity.

^‡ This is an estimate only. Actual cash back may vary depending on spending habits.

¹Cash back is earned on net card purchases (purchases less returns) when your account is open and in good standing and not on cash advances, interest, fees, balance transfers, payments or Convenience Cheques. Cash back is calculated as follows: Earn 4% on the first $5,000 in net annual card purchases on restaurant, bar, coffee shop and takeout purchases, which currently include merchants classified as Eating Places and Restaurants; Drinking Places (Alcoholic Beverages) - Bars, Taverns, Nightclubs, Cocktail Lounges, and Discotheques; Fast Food Restaurants; or Caterers. Earn 1.5% on the first $15,000 in net annual card purchases on gas, grocery and drugstore purchases and pre-authorized payments. Gas, grocery and drugstore purchases currently include merchants classified as Service Stations (with or without Ancillary Services); Automated Fuel Dispensers; Grocery Stores and Supermarkets; Drugs, Drug Proprietaries, and Druggist's Sundries; or Drugstores and Pharmacies. Pre-authorized payments are payments made on a monthly or other regular basis, which are automatically billed by the merchant to your Account. Earn 0.5% on all other net annual card purchases, including those in the categories above when the $5,000 and $15,000 limits are exceeded. If a transaction could fit under more than one cash back category, you will be awarded the cash back of the higher category, subject to the $5,000 and $15,000 limits. Merchants are classified by the credit card network and the network may change the names of classifications or change the classification of merchants at any time. Simplii Financial is not responsible for merchant classification. The $5,000 and $15,000 limits will reset to zero after the day your December statement is issued. Changes to terms, conditions and eligible merchant categories may occur at any time without notice. We may cancel the cash back program on 60 days’ notice. Credit for returns made on your Account may result in a deduction of cash back at a higher earn rate, even though the return may relate to a purchase that earned cash back at a lower rate.

²The Primary Cardholder may contact us to set, adjust or remove an Authorized User Spending Limit for each Authorized User. See your Simplii Financial Credit Card Agreement for full details.

³ "Purchase" means any Transaction other than a Cash Advance, Balance Transfer or Convenience Cheque. "Cash" means a Cash Advance, Balance Transfer and Convenience Cheque. Interest rates may change from time to time.

⁴Insurance coverage underwritten by Royal & Sun Alliance Insurance Company of Canada (RSA). To be eligible for this coverage, the item must be paid for in full using your Simplii Financial credit card. For more information regarding coverage eligibility requirements, benefits, limitations and exclusions, refer to the Certificate of Insurance (PDF, 100 KB) .

⁵CIBC Payment Protector™ Insurance for Credit Cards is optional creditor’s group insurance underwritten by Canadian Premier Life Insurance Company (Canadian Premier) and administered by Canadian Premier and CIBC. CIBC receives fees from Canadian Premier for providing services to Canadian Premier regarding this insurance. Also, the risk under the group insurance policy may be reinsured, in whole or in part, to a reinsurer affiliated with CIBC. The reinsurer earns reinsurance income under this arrangement. Representatives promoting this insurance on behalf of CIBC may receive compensation. This insurance is subject to eligibility conditions, limitations and exclusions (which are circumstances when benefits are limited or not paid), including pre-existing medical/health condition exclusions. These and other terms are described in the Certificate of Insurance (PDF, 170 KB)Opens a new window in your browser. / Certificate of Insurance (with spousal coverage) (PDF, 130 KB)Opens a new window in your browser. you receive upon enrollment.

⁶CIBC Emergency Travel Medical Insurance is underwritten by Co-operators Life Insurance Company. This product is administered by Allianz Global Assistance, which is a registered business name of AZGA Service Canada Inc. and AZGA Insurance Agency Canada Ltd. This insurance is subject to eligibility conditions, limitations and exclusions (including pre-existing medical condition exclusions), which are contained in the Certificate of Insurance (PDF, 415 KB)Opens a new window in your browser. you receive following enrollment. For more information call CIBC Travel Insurance at 1-800-281-9109.

⁷The cash back is accumulated each month, beginning with your January statement, and awarded at the end of the year as a credit on your December statement. Your Account must be open, in good standing, and within your credit limit at the time the cash back is awarded. Cash back will be credited to the Primary Cardholder’s account.

Apple Pay is a trademark of Apple, Inc., registered in the U.S. and other countries.

Google Pay™ is a trademark of Google, registered in the U.S. and other countries.

^® “Samsung Pay” is a registered trademark of Samsung Electronics Co., Ltd., used under license.

*Trademark of Visa Int., used under license.

“SIMPLII FINANCIAL” and the SIMPLII FINANCIAL DESIGNS are trademarks of CIBC.

“Simplii Financial” is a division of CIBC. Banking services are not available in Quebec.

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Simplii Financial™ Cash Back Visa* Card

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

Calculate your cash back