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Simplii Financial Cash Back Visa Card
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See more details about the Simplii Financial Cash Back Visa Card
- Annual Fees
- Cashback
- Affiliation with CIBC
- Additional Cardholders
The Simplii Cash Back Visa Card is brought to you by Simpli Financial. A now popular digital bank that has been aroun since 2017.
Around 2 million people in Canada benefit from Simplii’s user-friendly banking options, which include no-fee access to mobile, internet, and telephone banking 24 hours a day, seven days a week; access to one of the largest national ATM networks provided by CIBC; and access to one of the largest national credit unions.
About the Simplii Financial Cash Back Visa Card
The cash-back Visa card from Simply Financial is a reliable financial resource. This card offers:
- With the Simplii Financial Cash Back Visa Card, you won’t have to worry about paying an annual fee yet receiving all of the card’s benefits.
- As the name implies, you can enjoy a 4% cashback reward for dining at restaurants, bars, and coffee shops, 1.5% for spending on groceries and gas, and 0.5% for all other purchases. What’s noteworthy is that since there’s no annual fee, the cashback you earn is a direct benefit to you.
- One advantage that’s sometimes missed about Simply Financial is its connection to CIBC. This link means you can use CIBC ATMs without any extra fees, which adds to the convenience and accessibility of the bank.
- You can add up to three extra people to your card as cardholders, which can speed up the process of earning cash back rewards. You need not be concerned because you have the ability to set spending restrictions on them.
About Simplii Financial
Simplii Financial, a branch of CIBC, has an interesting history that traces back to the transformation of President’s Choice Financial (PC Financial). Originally a complete bank on its own, PC Financial evolved into Simplii Financial and now offers credit cards among other financial services. As a part of CIBC, Simplii Financial presents a no-fee checking account that can be appealing to individuals looking to steer clear of monthly charges.
Approximately 2 million individuals in Canada enjoy the convenient banking choices provided by Simplii. These include free access to mobile, online, and phone banking services 24/7. Customers also have access to a wide network of ATMs across the country through CIBC and one of the largest national credit unions.
Additional Simplii Financial Products
Apart from offering chequing accounts, savings accounts, and GICs, Simplii also provides the following range of products and services:
- Mortgages
- Personal and secured lines of credit
- Three various types of mutual fund accounts
- Cash Back Visa card
- Personal loans
- Creditor insurance
- Visa Digital Gift Cards (available for sending anywhere in Canada (a part for Quebec)
Why choosing Simplii Financial Cash Back Visa Card
Getting 20% cash back on $500 spent within the first three months on gas, groceries, drugstore purchases, and pre-authorized payments is a fantastic deal! What’s even better is that this requirement is one of the lowest in the market. It’s on par with cards that offer 10% cash back but ask for $1,000 or more in spending.
The 4% cash back rate you earn at restaurants, bars, and coffee shops is truly remarkable, especially for a card with no annual fee!
Earning 1.5% cash back on gas, groceries, drugstore purchases, and pre-authorized payments is also highly commendable. There are very few other no-fee cards out there that match or surpass this rate, making it a great perk.