Simplii Financial Cash Back Visa Card
Reward estimates are based on published earn rates and may vary. Butter may earn a referral fee when you apply through our links, including through partner networks. This never affects our recommendations, which are based on your spending data, not commissions. Butter provides information and tools, not financial advice.
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Is this card right for you?
A no-fee cash back card with a standout dining rate: 4% at restaurants, bars, and coffee shops, 1.5% on gas/groceries/drugstores/bills, and 0.5% elsewhere — one of the best no-fee cards for people who dine out.
Best no-fee dining rate in Canada
4% at restaurants, bars, and coffee shops with no annual fee.
Built for newcomers and students
a $15k income bar and a New to Canada program make it very accessible.
You want a strong flat rate (0.5% base is low
Rogers WE's 1.5% beats it as a default).
You want monthly payout (Simplii pays once a year) or live in Quebec (not offered).
Watch-outs 4% dining caps at $5,000/year, 1.5% tier at $15,000/year, then both drop to 0.5%. · 0.5% base is low; cash back paid only annually; 2.5% FX fee.
Butter may earn a referral fee when you apply through our links, including through partner networks. This never affects our recommendations, which are based solely on your spending data, not commissions. Butter provides information and tools, not financial advice. Card details such as earn rates, fees and bonuses may change. Verify on issuer's site → Always confirm with the issuer before applying.