Cash back card · Simplii Financial
Simplii Financial Cash Back Visa Card
Simplii Financial · Visa · cash back
Below is every rate the Simplii Financial Cash Back Visa Card earns, each one quoted from Simplii Financial's own terms with the clause and the date we checked it. No annual fee to hold the card.
4%
Top rate
0.5%
Base rate
$0
Annual fee
2.5%
FX fee
Last updated Reviewed by
This card also earns a place on Verdict's best-of rankings for groceries, dining, gas, drugstore and recurring.
Everything it earns
every rate quoted from Simplii Financial's terms · annual fee shown separately, never netted4%
Diningverified Jul 7, 2026Read the clause
Verbatim clause from Simplii Financial's terms
“Earn 4% on the first $5,000 in net annual card purchases at restaurants and bars, 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.”
Cap $5,000 / yr
Read the source terms1.5%
Gasverified Jul 7, 2026Read the clause
Verbatim clause from Simplii Financial's terms
“Earn 1.5% on the first $15,000 in net annual card purchases on gas, grocery and drugstore purchases and pre-authorized payments. Gas ... include merchants classified as Service Stations (with or without Ancillary Services); Automated Fuel Dispensers ...”
Cap $15,000 / yr
Read the source termsGroceriesverified Jul 7, 2026Read the clause
Verbatim clause from Simplii Financial's terms
“Earn 1.5% on the first $15,000 in net annual card purchases on gas, grocery and drugstore purchases and pre-authorized payments. ... Grocery Stores and Supermarkets ...”
Cap $15,000 / yr
Read the source termsDrugstoreverified Jul 7, 2026Read the clause
Verbatim clause from Simplii Financial's terms
“Earn 1.5% on the first $15,000 in net annual card purchases on gas, grocery and drugstore purchases and pre-authorized payments. ... Drugs, Drug Proprietaries, and Druggist's Sundries; or Drugstores and Pharmacies ...”
Cap $15,000 / yr
Read the source termsRecurringverified Jul 7, 2026Read the clause
Verbatim clause from Simplii Financial's terms
“Earn 1.5% on the first $15,000 ... and pre-authorized payments. Pre-authorized payments are payments made on a monthly or other regular basis, which are automatically billed by the merchant to your Account.”
Cap $15,000 / yr
Read the source terms0.5%
Everything elseverified Jul 7, 2026
The everyday earn outside any bonus category, no cap
Annual fee
No annual fee to hold the card
$0
Foreign transaction fee
On purchases in a currency other than Canadian dollars
2.5%
How we verify
Every rate on this page is quoted from Simplii Financial's current terms and dated the day we last checked it. When the terms change, the page regenerates. Reviewed by Spotted something off? or email us at
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