Eligible restaurants and bars, on the first C$5,000 in qualifying annual spend
Issuer's current offer
No annual fee, plus cash back in everyday categories
Cash back is earned on eligible net purchases, subject to calendar or statement periods and caps. Check issuer for temporary offers.
◷ See issuer for promotions
Welcome offers can change. Always check the issuer’s live page before submitting your application.
How you earn rewards
Understand what earns more, and where the base rate applies.
Eligible gas, groceries, drugstores and recurring payments on the first C$15,000 in qualifying annual spend
Other eligible purchases
Benefits worth understanding
Protections, travel features and everyday extras depend on terms and conditions.
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Zero annual fee for primary and up to three additional cards
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Cash back designed for restaurant and everyday spending
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Eligible purchase protection and other Visa benefits
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Online and mobile access through Simplii Financial
Who this card feels right for
Straightforward cash back
If you want a simpler card with recognizable cash-back value on recurring daily categories, Simplii Cash can appeal to budget-conscious users who prefer easy earnings over complicated redemption rules.
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Eligible Canadians with frequent restaurant spending who prefer no annual fee.
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Keep the annual fee, interest rate and category caps in mind before applying.
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If this feels like a fit, you can read the next Credys card story before opening the official issuer application.
Our honest breakdown
A balanced look at what this card does well — and where it may fall short.
What we like
- Strong dining earn rate without an annual fee
- Good coverage of everyday categories
- C$15,000 minimum household income listed
What to consider
- No application for Quebec residents under issuer eligibility
- Cash-back earning caps matter
- Not built for premium airport lounge access
Good fit
Eligible Canadians with frequent restaurant spending who prefer no annual fee.
Consider another card if…
Residents of Quebec or people requiring premium travel privileges.
Rates, fees and important details
Amounts shown in Canadian dollars. Issuer agreements and provincial rules prevail.
Annual fee$0
Purchase interest rate21.99%
Cash advances22.99%
Foreign currency feeCheck Simplii terms
Additional cardholders$0 up to 3 additional cards
Income / eligibility noteC$15,000 annual household income; restrictions apply
Issuer / networkSimplii Financial · Visa
Information reviewedNovember 9, 2026
Not every fee is displayed here. Review the issuer’s full card agreement for balance transfers, insurance exclusions, caps, grace periods and provincial variations.
Who can apply?
Meeting these general criteria does not guarantee approval.
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C$15,000 minimum household annual income
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Canadian citizen or permanent resident living in Canada outside Quebec
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Age of majority; no bankruptcy within last seven years and approval requirements
How to apply in 3 steps
01Review the card details on this Credys page.
02Click Apply to continue to the official Simplii Financial page.
03Submit your application directly with the issuer.
Frequently asked questions
Can I apply if I live in Quebec?
Simplii currently lists its Cash Back Visa eligibility as excluding Quebec residents.
Is the annual fee really C$0?
Yes. Simplii states C$0 for the primary card and up to three additional cards.
Does 4% cash back have a limit?
Yes, the 4% restaurant rate applies to the first C$5,000 in eligible annual restaurant and bar spend.
Compare other Canadian cards
Ready to take the next step?
Apply →One more read before applying: what this card means in real life
You’ve read the Credys review. Now you can move to the live issuer page to confirm final terms and apply securely.
Primary product source: official Simplii Financial product page. Last editorial check: 2026-11-09.