How to earn 20%

Our cash back Visa* card has no monthly 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.

Award-winning credit card

Hardbacon Best Credit Card for Young Adults 2024 badge.

Ranked for 2024 by Hardbacon

Savvy Best Newcomers Credit Card 2024 badge.

Ranked for 2024 by Savvy

Eat more, get more

Earn up to 4% cash back at eligible restaurants and bars.

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.

New card, same great features

We updated our Simplii style recently, so our credit cards are getting a refresh, too.

But don’t worry: none of the features or services you love about your card are changing, and you’ll do all your banking the same as always.

We’ll slowly phase out our old cards as they expire, and roll out the new ones over time.

Any questions about your new card? Learn more about our new style

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

$324 per year + welcome offer

Bring a friend. Earn $125. Repeat.

Earn $125 each time a friend opens a No Fee Chequing Account or another eligible account using your unique referral link. Share your link and spread the word — your friends will get $50 too. 

Annual fee
(for primary cardholder and up to 3 additional cards)
$0
Purchase interest rate 20.99%
Cash interest rate 22.99%
Minimum annual household income $15,000

Summary of Rates and Fees (PDF, 140 KB) Opens in a new window.

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..

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Stay secure with chip and pin technology. Get real-time fraud alerts by email, text and phone about suspicious activity on your credit card.

Learn how we protect you from credit-card fraud

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

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

Learn more

Coverage

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 in a new window.

 CIBC Travel Medical Insurance 

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.

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.

Tell me more about the New to Canada Banking Program.


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.