Transform your expenses into profit with cashback, no hidden fees, and benefits that simplify your life.

The Simplii Cash Back Visa is the ideal credit card for those who want to turn everyday spending into cash back, without paying an annual fee.

If you’re looking for convenience, real savings, and rewards that truly make sense, this Canadian card could be the best choice for your routine.

From the very first use, it offers cashback in essential categories like restaurants, supermarkets, and gas stations—with extra perks like welcome bonuses and wide acceptance.

In this article, you’ll discover everything this card can do for you and why it’s gaining more users across Canada every day.

The card that understands your habits and rewards accordingly

The Simplii Cash Back Visa’s proposal is simple: pay for your everyday expenses and receive a percentage of your spending back. That’s the core idea, but what sets it apart is how it prioritizes real consumer habits. After all, it makes no sense to offer rewards in categories you rarely even use, right?

In the first three months of use, the card offers an irresistible promotional rate: up to 8% cashback at restaurants, bars, and cafés—categories highly relevant to most people.

This benefit is capped at USD 80, making it an excellent initial incentive. It’s like a “welcome gift” that rewards you for using the card during leisure and social moments.

Even after the promo ends, the cashback keeps coming. You earn 4% back on dining, 1.5% at supermarkets, pharmacies, gas stations, and automated payments, and 0.5% on all other purchases, with no overall earning cap. In other words, your everyday spending really starts working for you.

No annual fee: savings starting from the basics

One of the most attractive aspects of the Simplii Cash Back Visa is its complete exemption from annual fees. Unlike other cards that charge a yearly fee for benefits, here you start earning even before your first purchase.

Economy goes beyond the primary cardholder. You can add up to three free supplementary cards, perfect for couples, families, or groups looking to centralize spending on a single card and maximize cashback gains.

Every purchase made by any user linked to the account contributes to your rewards—without extra cost.

This lack of annual fees aligns with Simplii Financial’s vision: to be a streamlined, practical, digital banking alternative that eliminates bureaucracy and hidden charges. It’s a customer-centric philosophy focused on real needs.

Accepted almost everywhere—both in Canada and abroad

Another standout feature is the international acceptance of the card, thanks to the Visa network.

This means you can use your Simplii Cash Back Visa at thousands of establishments in and outside Canada, both in-store and online.

Whether you’re buying clothes from an online retailer, booking a hotel for your next trip, or just grabbing a coffee around the corner, your card works, and even better, all these purchases continue to earn you cashback, even abroad. That’s a significant advantage for frequent travelers or cross-border shoppers.

Practicality extends to card control, which is fully digital. Through the app or online banking, you can track spending, check cashback accumulation, manage statements, and even order additional cards—all in an intuitive and accessible interface.

Cashback: how it works in practice

Knowing how cashback is applied is key to using the card strategically. With the Simplii Cash Back Visa, the rewards system is direct and transparent. Every purchase triggers cashback credit based on the spending category.

Throughout the year, this cashback accumulates automatically. The big differentiator: redemption is annual, as a credit applied to your January statement.

This means instead of regularly redeeming small amounts, you start the new year with a significant reduction in your bill—a real financial boost during a typically tighter month.

Additionally, with no overall cashback cap, you can use the card worry-free. As long as your spending stays within the specified categories, returns continue month after month.

Exclusive bonus: a useful gift for city dwellers

By applying for the Simplii Cash Back Visa, you also receive a USD 50 voucher for PRESTO, a main payment system for public transit in cities like Toronto and Ottawa.

That’s extra everyday savings—reinforcing the card’s commitment to offering tangible, useful benefits.

Such an incentive is especially valuable for those who rely on urban transportation, for work, study, or city life.

Another sign that the card was designed with real, modern consumer needs in mind.

Who can apply and how to boost your approval chances

The card is available to Canadian residents (excluding Quebec), with a minimum family income of CA$15,000 per year. You must meet the legal age for your province and maintain a clean financial record.

What makes Simplii even more inclusive is its availability to new immigrants and international students without local credit history. They can apply through the “New to Canada” program, designed to simplify access for those starting their financial story in the country.

To improve your approval odds:

• Keep your documentation organized and up to date.
• Avoid applying for multiple credit products simultaneously.
• If you’re new, consider opening a Simplii chequing account before applying—it builds a relationship with the institution.

How to apply for your Simplii Cash Back Visa

The application process is quick and user-friendly. Here’s the streamlined version:

1. Visit the Simplii Financial website and click “Apply Now” for the Cash Back Visa card.

2. Enter your personal details: name, address, email, phone, and your status in Canada (resident, student, etc.).
3. Provide income and employment information. If you’re a student or newcomer, select the appropriate option.
4. Authorize the credit check. If you don’t have Canadian credit history, opt into the “New to Canada” program.
5. Upload any required documents, like passport, income proof, or enrollment confirmation.
6. Open a Simplii account if you don’t already have one—it helps with management and approval chances.
7. Review everything and submit your application.
8. Wait a few business days for a decision. If approved, your card arrives by mail shortly after.
9. Activate the card online and begin earning cashback immediately.
10. Optionally, set up auto-pay to avoid interest charges and ensure timely payments.

Conclusion: a card crafted for those who want more for less

The Simplii Cash Back Visa is not just a credit card—it’s a clever tool for those seeking stronger financial control, daily convenience, and real returns on every purchase.

With essential-category cashback, zero annual fees, exclusive bonuses, and a fully digital experience, it stands out as one of Canada’s most compelling options—especially for newcomers and everyday value-seekers.

If you’re building your life in Canada or simply want a card that truly works in your favor, this is a choice that makes sense from start to finish.

And if you want another way to save and simplify money management even further, stay tuned for our next article about Simplicash—a smart solution for transfers, money handling, and more, brought to you with the same Simplii excellence.