Simplii Financial Cash Back Visa Review Canada 2026

Por julio • atualizado há 2 minutes atrás

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The Simplii Financial Cash Back Visa is built for people who eat out or order delivery frequently. At /usr/bin/bash/year on the Visa network, here is everything you need to know before applying.

Simplii Credit Cards at a Glance

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Why the Simplii Financial Cash Back Visa Stands Out

✓ What makes it worth it:

  • 4% on restaurants is the highest no-fee rate in Canada
  • Includes delivery apps (DoorDash, Uber Eats, Skip)
  • No minimum income requirement
  • No Simplii bank account required

✗ What to consider:

  • 0.5% base rate is low
  • 4% only on restaurants - other categories are average
  • No welcome bonus (permanent)
  • Visa network (less partner cashback than Neo)

Verdict: Who Should Get This Card?

If you spend 00+/month on restaurants and delivery, this card earns 44+/year in cashback from a free card. No other no-fee card comes close for dining. Pair with Tangerine (set to groceries + gas at 2%) for complete coverage. For more options, see our compare all no-fee cards guide.

Ready to apply? Go directly to Simplii:

APPLY ON SIMPLII →

✓ Official Simplii website  |  ✓ Secure application  |  ✓ Takes 5-10 minutes

What credit score do I need for the Simplii Financial Cash Back Visa? ▼

Standard Simplii cards typically require a score of 650+. If your score is below that, consider a secured card first to build history.

Is the /usr/bin/bash/year annual fee worth it? ▼

Calculate your expected annual rewards based on the earn rates above. If they exceed /usr/bin/bash/year, the card pays for itself. Most cardholders who spend $2,000+/month break even easily.

Can I get the Simplii Financial Cash Back Visa as a newcomer to Canada? ▼

Simplii has dedicated newcomer programs. If you have been in Canada less than 5 years, check their newcomer page for cards with relaxed eligibility.

This review is for informational purposes only and does not constitute financial advice. Credit card terms and conditions change. Verify current details directly on the Simplii website before applying.