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Cash BackNo Annual FeeStudentVisa

Simplii Financial Cash Back Visa

Simplii

3.1 / 5Rating

No-fee card with excellent 4% cash back on dining and 1.5% on everyday essentials.

The Simplii Financial Cash Back Visa is a Simplii Visa card with no annual fee. It earns 4% cash back on Restaurants, bars, coffee shops. Listed welcome offer value: Up to $100 cash back.

Last updated October 9, 2026Source: issuer page

Key facts

Annual fee
$0
Purchase interest rate
21.99%
Cash advance rate
22.99%
Earn rates
4% cash back on Restaurants, bars, coffee shops (Up to $5,000/year spend); 1.5% cash back on Gas, groceries, drugstores, pre-authorized payments (Up to $15,000/year spend); 0.5% cash back on All other purchases (Unlimited)
Welcome offer
Up to $100 cash back
Foreign transaction fee
2.5%
Income requirement
$15,000

How this score is calculated

Formula
  • Net annual value(50%)4.5
  • Welcome bonus(15%)1.3
  • Foreign transaction fee(10%)2.5
  • Insurance & perks(15%)1.3
  • Purchase interest rate(10%)2.5

What are the fees and rates?

Verified 2026-10-09

Annual Fee

$0

Purchase Interest Rate

21.99%

Cash advance: 22.99%

Minimum Income

$15,000 personal

Foreign Transaction Fee

2.5%

What rewards does this card earn?

The Simplii Financial Cash Back Visa earns 4% cash back on Restaurants, bars, coffee shops.

Restaurants, bars, coffee shops

Up to $5,000/year spend

4% cash back

Gas, groceries, drugstores, pre-authorized payments

Up to $15,000/year spend

1.5% cash back

All other purchases

Unlimited

0.5% cash back

Is there a welcome offer?

Yes. The listed welcome offer value is Up to $100 cash back.

20% cash back for first 3 months on gas, groceries, drugstores, and pre-authorized payments (up to $500 spend)

Value: Up to $100 cash back

New cardholders

Pros

  • No annual fee
  • 4% on restaurants is strong
  • 1.5% on gas, groceries, drugstores
  • Low income requirement ($15,000)

Cons

  • Annual spend caps on bonus categories
  • 0.5% base rate is low
  • Cash back only redeemable annually in December

What perks are included?

  • No annual fee
  • 4% on restaurants, bars, coffee shops
  • Visa acceptance worldwide
  • Cash back redemption in December as statement credit
  • $0 fee for global money transfers

What insurance is included?

Purchase Security
Extended Warranty

Frequently asked questions

What is the annual fee on the Simplii Financial Cash Back Visa?

The Simplii Financial Cash Back Visa has no annual fee.

What rewards does the Simplii Financial Cash Back Visa earn?

4% cash back on Restaurants, bars, coffee shops (Up to $5,000/year spend); 1.5% cash back on Gas, groceries, drugstores, pre-authorized payments (Up to $15,000/year spend); 0.5% cash back on All other purchases (Unlimited)

What is the purchase interest rate on the Simplii Financial Cash Back Visa?

The purchase interest rate is 21.99%. The cash advance rate is 22.99%.

Is there a welcome offer on the Simplii Financial Cash Back Visa?

20% cash back for first 3 months on gas, groceries, drugstores, and pre-authorized payments (up to $500 spend) Listed value: Up to $100 cash back.

What income do you need for the Simplii Financial Cash Back Visa?

Income requirement: $15,000.

Last updated October 9, 2026Source: issuer page

Annual Fee

$0

Apply Now

On Simplii's secure website

Quick Facts

NetworkVisa
Purchase APR21.99%
Cash Advance APR22.99%