10% cash back on eligible restaurants, food delivery and bar purchases for the first 4 months, up to $500†.
Rewards Calculator Algorithm
You can either estimate rewards by inputting your spending habits manually or creating secure bank connections through our trusted financial partner mx.com and letting Finly analyze your spending in the past year.
Finly factors in all the reward limits and fine prints of every single credit card.
Your Spending
Modify your spending numbers and click update to get the most accurate reward estimates.
$2,000
Restaurant, Fast Food & Coffee Shop
$
Grocery
$
Recurring Purchases (Bills, Subscriptions, Rent via Chexy)
$
Gas
$
Transportation
$
Entertainment (Movies, Concerts, etc.)
$
Foreign Purchases (Non $CAD)
$
Travel (Flights, Hotels, etc.)
$
Pharmacy
$
Online Shopping
$
Home Improvement (Renovation, Furniture)
$
Purchases at Canadian Tire, Sport Check, Lquipeur, Atmosphere, Party City, SportsRousseau, HockeyExperts, LentrepduHockey
$
Other Purchases Not Specified
$
25% Referral Cash Bonus
Share your unique referral link to the Simplii Financial™ Cash Back Visa* Card and earn a 25% rebate bonus. Learn more about the Finly referral program.
Card Details
Based on $2,000 spending
First Year Value
$447.92
Annual Rewards
$342.92
First Year Bonus
$30
Finly Rebate
Annual Fee
See Below
Learn More
First Year Value
$447.92
$342.92 in years after
Interest Rates
Cash Advance: 22.99%*
Purchase: 20.99%*
Balance Transfer: 22.99%*
Annual Fee
$0
Annual Income
Personal: $15,000
Household: $15,000
Credit Score
Very Good
Welcome Bonus
10% cash back on eligible restaurants, food delivery and bar purchases for the first 4 months, up to $500†.
Card Type
Cash Back
Our Rating
4.2/5
Institution
Simplii Financial™
Rewards†
- 4% cash back on eligible restaurant, bar, and coffee shop purchases up to $5,000 spent per year†
- 1.5% cash back on gas, groceries, drugstore, and pre-authorized payments up to $15,000 spent per year†
- 0.5% cashback on all other purchases†
Simplii Financial™ Cash Back Visa* Card Cash Back Calculator
Based on $2,000 spending
Rewards Ranking
Rewards Breakdown
Food and drinks
$168
Gas, Pharmacy, Groceries, Recurring Transactions
$122.91
All other purchases
$52
Net Annual Rewards
$342.92
Rewards Summary
Net Annual Rewards
$342.92
First Year Card Bonus
$30
First Year Card Value
$372.92
Finly Rebate
$75
Insurance & Benefits†
Insurance
Coverage
Purchase Protection
Up to 90 daysExtended Warranty
Up to 1 year
Pros & Cons
Pros
- Highest cashback rate on restaurant purchases in Canada!
- Decent cashback rate on high spent categories such as groceries and gas.
- No annual fee for a card with great rewards.
Cons
- No insurance and benefits other than the standard purchase protection and extended warranty.
- Cap on the rewards that can be earned on each category.