The Simplii Financial Cash Back Visa offers a simple, yet rewarding way to earn money on your everyday purchases.
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Whether you’re buying groceries, filling up your car, or dining out with friends, this card provides a straightforward way to put money back into your pocket.
For Canadians looking for a no-annual-fee credit card that still offers competitive rewards, this is a strong contender.
How Simplii Helps You Save
Imagine walking into your favorite store and knowing that a portion of what you spend will come back to you. With the Simplii Financial Cash Back Visa, that’s exactly what happens.
This card gives you 4% cash back on eligible restaurant and coffee shop purchases, which is perfect for anyone who enjoys dining out or grabbing a quick coffee.
You’ll also earn 1.5% cash back on groceries, gas, and transportation.
Everything else you buy will give you 0.5% cash back.
The best part? There’s no annual fee.
That means every dollar you earn from your spending is yours to keep without worrying about offsetting it with a yearly fee.
It’s especially valuable for those who prefer a card that rewards them without adding extra costs.
Rewards with Everyday Convenience
The Simplii Financial Cash Back Visa was designed with your everyday life in mind.
If you’re someone who values convenience and likes to keep things straightforward, this card fits seamlessly into your daily routine.
Whether you’re commuting, running errands, or enjoying a night out, the rewards stack up naturally with every transaction.
There’s no need to keep track of complicated point systems or limit your purchases to certain stores. Wherever you shop, you’re earning.
And the flexibility of being able to redeem your cash back directly into your Simplii Financial account makes it even easier to enjoy the rewards you’ve worked for.
Simple and Transparent Fees
One of the key appeals of this card is the simplicity of its fee structure.
Unlike some cards that come with hidden costs or tricky terms, the Simplii Financial Cash Back Visa is clear and upfront.
There’s no annual fee, so you can enjoy all the benefits of the card without the burden of yearly charges.
When it comes to interest rates, here’s what you can expect:
- Purchase Interest Rate: 19.99%
- Cash Advance Rate: 22.99%
- Balance Transfer Rate: 22.99%
While it’s always a good idea to pay off your balance in full every month to avoid interest charges, these rates are fairly standard for credit cards in Canada.
How to Qualify and Apply
Applying for the Simplii Financial Cash Back Visa is a straightforward process, much like the card itself. To qualify, you’ll need to meet a few basic requirements:
- Be a Canadian resident.
- Be of the age of majority in your province.
- Have a minimum household income of $15,000 per year.
- Have a credit score that aligns with Simplii’s approval standards (usually in the fair to good range).
If you meet these requirements, applying is easy. You can complete the entire process online in just a few minutes.
All you need to do is visit the Simplii Financial website, provide your personal and financial information, and submit your application.
Once approved, you’ll receive your card in the mail within 7-10 business days. From there, you can activate it and start earning cash back on your purchases right away.
Extra Perks You Can Count On
Beyond the cash back rewards, the Simplii Financial Cash Back Visa offers a few additional perks that make it even more valuable.
For one, you’ll benefit from purchase protection, which gives you coverage against damage or theft on eligible items for up to 90 days after purchase. This can come in handy, especially for larger or more expensive purchases.
There’s also an extended warranty feature, which doubles the manufacturer’s warranty on eligible items. If you’ve ever had an appliance break down right after the warranty expires, you’ll appreciate this added peace of mind.
Lastly, Simplii offers zero liability protection. This means that if your card is ever used fraudulently, you won’t be held responsible for unauthorized charges.
It’s a layer of security that allows you to use your card with confidence, knowing that Simplii has your back.
Final Thoughts
The Simplii Financial Cash Back Visa is a solid choice for Canadians who want a simple, no-fee card that offers consistent rewards.
Whether you’re treating yourself to a nice meal, fueling up your car, or just going about your day-to-day shopping, you’ll be earning cash back without any extra effort.
And with the ability to redeem your rewards straight into your bank account, it’s a hassle-free way to get more out of every purchase.
If you’re looking for a card that fits seamlessly into your routine while still delivering valuable rewards, the Simplii Financial Cash Back Visa is worth considering.