The everyday story behind the card
Some Canadians eat out on busy workdays, order takeout on weekends or meet friends at local restaurants. If that looks familiar, a dining-focused cash-back card could suit your ordinary spending.
A high cash-back percentage is meaningful only for eligible purchases within its category and cap. Read the issuer’s definition of restaurants, bars and coffee shops; transaction coding can differ from what a customer expects.
Simplii Financial Cash Back Visa
How this plays out in a Canadian budget
Someone who cooks almost every meal at home might earn very little from dining bonuses. Another person who spends regularly at eligible cafés and restaurants could have a different experience, even with the same card.
The fine print you should not skip
The reward rate above the cap may fall to the base amount. Check if the issuer requires a qualifying personal banking relationship and compare the interest rate with the rewards earned.
Three questions to answer before applying
- How much do you spend monthly on eligible dining?
- What happens after the category spending cap?
- Do you meet Simplii’s application and residency requirements?
Before you continue
Read the current cardholder agreement, latest offer, applicable spending caps and any provincial differences on the issuer’s website. Approval depends on the issuer’s assessment; Credys cannot determine your eligibility. Rewards are generally not worth carrying an interest-bearing balance.
Apply directly with Simplii Financial
You have reviewed the card and the real-world considerations. Continue on the official bank or card issuer website to see the application and current terms.
Apply now with Simplii Financial ↗Official issuer site · External link · Terms and approval criteria apply