Simplii Cash Back Visa
Category cardWhat the roles mean
- Restaurants, bars and coffee shops: 4% cash back, on the first $5,000 a year, no annual fee
Earn 20% cash back for your first 3 months (up to $100).
Checked on Simplii's own page October 21, 2026. See Simplii's page
What it earns in a year
$405 back a year
No annual fee to take off.
Based on $30,000 a year of spending ($9,600 groceries, $3,000 gas, $3,000 dining…). Welcome offer not included.
Try it with your own spending →
- Dining & restaurants (First $5,000 a year, then 0.5%): 4% back.
- Groceries (First $15,000 a year, shared with gas, bills and drugstore): 1.5% back.
- Gas / EV (First $15,000 a year, shared with groceries, bills and drugstore): 1.5% back.
- Bills & subscriptions (First $15,000 a year, shared with groceries, gas and drugstore): 1.5% back.
- Drugstore / pharmacy (First $15,000 a year, shared with groceries, gas and bills): 1.5% back.
- Everything else: 0.5% back.
Highlighted = use this card here.
How to apply for the Simplii Cash Back Visa
Check first
- Not available in Quebec
- Bonus not for recent holders: you can't get it if you opened or cancelled a Simplii Cash Back Visa in the last 12 months
- No bankruptcy in the past 7 years
- Check you qualify No minimum income listed. You need to live in Canada and be the age of majority in your province.
- Have this ready Your address and how long you've lived there, your employer and yearly income, and your monthly rent or mortgage. Your SIN is optional for a credit card; you can leave it blank.
- Expect a credit check Applying adds a hard inquiry to your credit report, which lowers your score a little for a few months. Space applications about 90 days apart.
- Apply on Simplii's own site Apply online from the bank's product page, where the offer above is shown. This isn't an affiliate link: we earn nothing if you apply.Apply on Simplii's site →
- After you're approved Put the spending needed for the welcome offer on the card before the deadline, and pay the full balance every month.
How to use it
- Dining, bars, coffee: every bill, up to $5,000 a year ($200 back)
- Groceries, gas, drugstore, bills: 1.5% here. Use a stronger grocery card if you have one
- Everything else: use another card. This one pays 0.5%
- First 3 months: put gas, groceries, drugstore and pre-authorized payments here: 20% back on the first $500 (up to $100)
- Example: $250/month dining = $3,000 a year × 4% = $120 a year back, for $0
Key facts
- Annual fee
- $0
- Purchase interest
- 21.99%
- Foreign currency fee
- 2.5%
- Min. personal income
- None published
- Min. household income
- $15,000
- Rewards
- Cash back
Annual fee waiver
- No annual fee
From simplii.com product page, checked October 17, 2026. Not an affiliate link.
Neo World Elite Mastercard
- This card: dining & restaurants, drugstore / pharmacy
- Neo World Elite Mastercard: groceries, gas / ev, bills & subscriptions, travel, transit, entertainment, everything else
- Together: $795 a year after both fees, vs $405 with this card alone
If your stores take Amex: Scotiabank Gold Amex for groceries, gas / ev, dining & restaurants, travel, transit, entertainment, everything else makes it $905 a year. Costco and Loblaw-banner grocers don't take Amex.
Computed on our standard household ($30,000 a year): each kind of spending goes to whichever card pays more, both fees taken off. Partners are everyday, category and churning cards on Visa or Mastercard. Points at their simplest redemption. Welcome offers not included.
Pros
- 4% on dining, the highest dining rate of the 13 no-fee cash-back cards we track
- No annual fee, and up to 3 free additional cards
- 1.5% on gas, groceries, drugstore and pre-authorized payments, up to $15,000 a year combined
- Welcome: 20% back for the first 3 statements, up to $100
- Low income bar: $15,000 household
Cons
- 4% stops after $5,000 of dining a year, then 0.5%
- 0.5% on everything else
- Cash back is paid once a year, on your January statement. You can't redeem it during the year
- 2.5% on foreign-currency purchases
- No travel insurance
- Not available in Quebec
- No welcome offer if you opened or cancelled this card in the past 12 months
Insurance included
- Purchases: 90 days of theft/damage cover
- Extended warranty: doubles the manufacturer's warranty, up to +1 year
- Travel: none included (CIBC travel medical is sold separately)
Maximums as Simplii lists them. Conditions apply; the insurance certificate decides claims.
Perks
- Global Money Transfer: send money abroad with no transfer fee (exchange rate applies)
- Additional cards: up to 3, free, each with its own limit
- Digital wallets: Apple Pay, Google Pay, Samsung Pay
Other cards for dining & restaurants
Back a year on $3,000 of dining & restaurants, caps included. Points at best-case value. Before annual fees.
| Card | Earns on dining & restaurants | Back a year | Annual fee | Terms checked |
|---|---|---|---|---|
| Amex Cobalt | 5× points≈ 10.0% in value | $300 | $192 | October 21, 2026 |
| Scotiabank Gold Amex | 5× points | $150 | $120 | November 2, 2026 |
| National Bank World Elite Mastercard | 5× points | $150 | $150 | October 21, 2026 |
| Simplii Cash Back Visa | 4% back | $120 | $0 | October 21, 2026 |
| RBC British Airways Visa Infinite | 2× points≈ 4.0% in value | $120 | $165 | October 23, 2026 |
| Desjardins Odyssey Visa Infinite Privilege | 4% back | $120 | $395 | October 21, 2026 |
How the offer has changed
One row per check of Simplii's page, newest first. Old rows are never edited.
| Checked | Welcome offer | Fee, year one | Ends |
|---|---|---|---|
| October 21, 2026 | Unchanged: up to 20% cash back (1.5% + incremental 18.5%) on gas, groceries, drugstore and pre-authorized payments for the first 3 statement periods or first $500 of that spend, up to $100 total ($92.50 bonus); for cards approved from February 2, 2026Rendered page text and offer footnote identical to October 17, 2026 (rates 21.99% / 22.99%; earn 4% / 1.5% / 0.5% and caps unchanged). Excludes Quebec | $0 | none stated |
| October 17, 2026 | Unchanged: up to 20% cash back (1.5% + incremental 18.5%) on gas, groceries, drugstore and pre-authorized payments for the first 3 statement periods or first $500 of that spend, up to $100 total ($92.50 bonus); for cards approved from February 2, 2026Not eligible if a Simplii Cash Back Visa was opened or cancelled in the last 12 months. Excludes Quebec | $0 | none stated |
General information, not financial advice. Offers change; confirm on Simplii's page before you apply.