Simplii Financial Cash Back Visa Card

Last updated:

By CardFinder Editorial Team Affiliate Disclosure
Simplii Financial visa Best No-Fee for Dining

No annual fee

Earn 10% cashback for 4 months

10% cash back on dining, 4% on groceries, gas & drug stores, 1% on recurring bills for the first 4 months (up to $150).

no-feecashbackdininggroceries
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Key Details

Annual Fee

$0

Network

visa

Credit Required

good

Reward Type

cashback

Rewards Earn Rates

1.5x

Groceries

1.5x

Gas

4x

Dining

0.5x

Travel

0.5x

Everything Else

Highlights

  • No annual fee
  • 4% cashback on dining and food delivery
  • 1.5% on groceries and gas
  • 0.5% on everything else

Pros & Cons

Pros

  • + No annual fee
  • + Excellent 4% on dining
  • + Good grocery and gas earn rate
  • + No minimum income

Cons

  • – Low base earn rate
  • – Must have a Simplii account
  • – Limited insurance coverage
  • – No travel perks

Who Is This Card For?

The Simplii Financial Cash Back Visa Card is best suited for Canadians who prioritize no-fee, cashback, dining spending. With no annual fee, it's an excellent choice for anyone who wants rewards without ongoing costs.

Benefits Breakdown

Ways to Reduce the Annual Fee

  • No annual fee ever
  • Open a Simplii no-fee chequing account to qualify

Multi-Card Strategy

Best no-fee dining card. Pair with Tangerine Money-Back (groceries/gas) for a powerful no-fee two-card setup.

See full multi-card strategies →

Is this card worth it for you?

Use our rewards estimator to see how much you'd earn based on your spending.

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Frequently Asked Questions

Ready to Apply?

Visit the issuer's website to confirm current terms and apply.

Apply for Simplii Financial Cash Back Visa Card

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cashbackgroceriesgasdining

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Sources

Last verified: 2026-03-01. Offers and terms can change. Always confirm details on the issuer's website before applying.