Quels sont les frais annuels de la carte Simplii Financial Cash Back Visa?

La carte Simplii Financial Cash Back Visa n’a pas de frais annuels.

La carte Simplii Financial Cash Back Visa en vaut-elle la peine?

Pour des dépenses typiques de 2 000 $ par mois, WalletReturn estime 311 $ en récompenses annuelles nettes après les frais annuels et 335 $ de valeur la première année, prime de bienvenue comprise. Votre résultat dépend de vos dépenses dans ses catégories bonifiées.

Combien de points ou de remise en argent la carte Simplii Financial Cash Back Visa rapporte-t-elle?

4 % de remise en argent dans les restaurants et bars admissibles; 1,5 % sur l’essence, l’épicerie, les pharmacies et les paiements préautorisés; 0,5 % de remise en argent sur tous les autres achats.

Quel est le taux d’intérêt de la carte Simplii Financial Cash Back Visa?

Le taux d’intérêt sur les achats est de 21,99 %.

Les noms officiels des produits sont conservés. Les textes sans version française restent identifiés en anglais; les conditions de l’émetteur font foi.

Simplii Financial Cash Back Visa

Simplii

Remise en argent

Accumulation des récompenses

dining: 4% cash back

Frais annuels: 0,00 $
Valeur de la prime la première année: 24 $
Récompenses annuelles nettes: 310,8 $
Valeur la première année: 334,8 $

Selon des dépenses typiques de 2 000 $ par mois, après les frais annuels. Voir le détail

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Dernière vérification : 10 octobre 2026. Confirmez les conditions actuelles auprès de l’émetteur.Source officielle de l’émetteur

Détails de la carte

Frais annuels

Carte principale : 0 $

Cartes supplémentaires : 0 $

Taux d’intérêt

Achats : 21,99 %

Avances de fonds : 22,99 %

Revenu annuel

Ménage : 15 000 $

Opérations en devises

Frais : À confirmer auprès de l’émetteur

Type de carte

Visa · Remise en argent

Récompenses

Programme : Remise en argent

Émetteur

Simplii

Admissibilité pas entièrement vérifiée

L’approbation relève de l’émetteur.

Comment vous accumulez des récompenses

4 % de remise en argent dans les restaurants et bars admissibles
1,5 % sur l’essence, l’épicerie, les pharmacies et les paiements préautorisés
0,5 % de remise en argent sur tous les autres achats

Combien cette carte vaut-elle pour vous?

Selon des dépenses typiques de 2 000 $ par mois

Valeur estimée la première année

334,80 $

net annual rewards + welcome bonus

Récompenses annuelles nettes: 310,80 $
Prime de bienvenue: 24,00 $

Détail des récompenses annuelles

Récompenses accumulées en un an	310,80 $
Frais annuels	0,00 $
Récompenses annuelles nettes	310,80 $

La répartition par catégorie n’est pas encore offerte pour cette carte.

Utiliser vos propres dépenses

Requiert vos données
Complete spending details. Complete spending details to calculate your rewards.

View illustrative rewards

Illustrative example — not your personalized estimate. Example: $2,000/month · $24,000/year · no bonus. Uniform full reward year; half of applicable categories is allocated to eligible scopes, split across sibling scopes; streaming $25, portal/digital/membership $0. These are scenario assumptions. No fee waiver is included. This example does not change your spending profile. Edit example allocations in the card's Rewards & conditions menu.

Illustrative annual rewards: 215,40 $
Frais annuels habituels: 0,00 $
Illustrative net ongoing value: 215,00 $

Actual rewards depend on eligible purchases, caps and redemption rules. Interest is excluded. Personalize this calculation

Complete these assumptions to calculate your value:

Confirm whether your spending mix is typical throughout one complete rewards year.
Confirm whether this profile includes all purchases for this account, including additional cardholders.
Enter monthly Eligible dining purchases. This is part of your existing spending.
Enter monthly Eligible groceries purchases. This is part of your existing spending.
Enter monthly Eligible gas purchases. This is part of your existing spending.
Enter monthly Eligible drugstore purchases. This is part of your existing spending.
Enter monthly Eligible recurring bills purchases. This is part of your existing spending.

Using typical spending

$2,000/month in Canadian-dollar card spending. Travel benefits assumed usable.

Edit spending

Calculation assumptions for this card

Annual estimate assumptions for Simplii Financial Cash Back Visa

Ongoing rewards use one complete reward/reset cycle with an even spending mix. Year 1, when available, uses the separate offer qualifications below; this does not estimate year-to-date or remaining allowance. Blank means unknown; enter 0 for none. Each amount is part of its parent spending.

Eligible net purchases in an open account in good standing. Exclude cash advances, interest, fees, balance transfers, payments and Convenience Cheques. Eligible restaurant/bar/caterer/fast-food MCCs, grocery, gas and drugstore classifications and merchant automatic recurring payments only. Assign overlapping eligible purchases once to the higher category subject to its limit; allocations must be disjoint. EV charging is not verified as gas. Quebec residents are ineligible. Return adjustments can differ from the original purchase rate; transaction chronology and rounding excluded.

Enter eligible net purchase spending only. Exclude cash advances, fees, interest and purchases that do not earn cashback. The estimate assumes an open account in good standing and does not model refund timing, mid-cycle rate changes or payout dates.

Les montants particuliers de cette carte sont explicitement fixés à 0 $; les dépenses de la catégorie continuent de suivre le taux de base examiné.

Eligible dining purchases · CAD/monthEligible net purchases in an open account in good standing. Exclude cash advances, interest, fees, balance transfers, payments and Convenience Cheques. Eligible restaurant/bar/caterer/fast-food MCCs, grocery, gas and drugstore classifications and merchant automatic recurring payments only. Assign overlapping eligible purchases once to the higher category subject to its limit; allocations must be disjoint. EV charging is not verified as gas. Quebec residents are ineligible. Return adjustments can differ from the original purchase rate; transaction chronology and rounding excluded. Parent: $200/month; remaining: $200/month.Eligible groceries purchases · CAD/monthEligible net purchases in an open account in good standing. Exclude cash advances, interest, fees, balance transfers, payments and Convenience Cheques. Eligible restaurant/bar/caterer/fast-food MCCs, grocery, gas and drugstore classifications and merchant automatic recurring payments only. Assign overlapping eligible purchases once to the higher category subject to its limit; allocations must be disjoint. EV charging is not verified as gas. Quebec residents are ineligible. Return adjustments can differ from the original purchase rate; transaction chronology and rounding excluded. Parent: $500/month; remaining: $500/month.Eligible gas purchases · CAD/monthEligible net purchases in an open account in good standing. Exclude cash advances, interest, fees, balance transfers, payments and Convenience Cheques. Eligible restaurant/bar/caterer/fast-food MCCs, grocery, gas and drugstore classifications and merchant automatic recurring payments only. Assign overlapping eligible purchases once to the higher category subject to its limit; allocations must be disjoint. EV charging is not verified as gas. Quebec residents are ineligible. Return adjustments can differ from the original purchase rate; transaction chronology and rounding excluded. Parent: $150/month; remaining: $150/month.Eligible drugstore purchases · CAD/monthEligible net purchases in an open account in good standing. Exclude cash advances, interest, fees, balance transfers, payments and Convenience Cheques. Eligible restaurant/bar/caterer/fast-food MCCs, grocery, gas and drugstore classifications and merchant automatic recurring payments only. Assign overlapping eligible purchases once to the higher category subject to its limit; allocations must be disjoint. EV charging is not verified as gas. Quebec residents are ineligible. Return adjustments can differ from the original purchase rate; transaction chronology and rounding excluded. Parent: $40/month; remaining: $40/month.Eligible recurring bills purchases · CAD/monthEligible net purchases in an open account in good standing. Exclude cash advances, interest, fees, balance transfers, payments and Convenience Cheques. Eligible restaurant/bar/caterer/fast-food MCCs, grocery, gas and drugstore classifications and merchant automatic recurring payments only. Assign overlapping eligible purchases once to the higher category subject to its limit; allocations must be disjoint. EV charging is not verified as gas. Quebec residents are ineligible. Return adjustments can differ from the original purchase rate; transaction chronology and rounding excluded. Parent: $200/month; remaining: $200/month.Je suppose une répartition uniforme des dépenses pendant tout le cycle de récompensesCe profil représente tous les achats de ce compte, y compris ceux des titulaires supplémentaires concernés

Monthly spending details

Review your monthly spending. Apply changes to update your profile across WalletReturn.

Taux d’accumulation, plafonds et options d’échange

Prime de bienvenue: 24,00 $
Récompenses annuelles nettes: 310,80 $
Valeur la première année: 334,80 $

Reviewed comparison example · typical Canadian spending · not your personalized estimate

Earning categories

RestaurantsUp to $5,000 a year (shared)4 %cash back
Groceries, gas, drugstores and recurring billsUp to $15,000 a year (shared)1,5 %cash back
Tout le reste0,5 %cash back

Earning rules and limits

1.5% categories share a $15,000 annual spending cap.
Up to three additional cardholders have no annual fee.
Eligible net purchases in an open account in good standing.
Exclude cash advances, interest, fees, balance transfers, payments and Convenience Cheques.
Eligible restaurant/bar/caterer/fast-food MCCs, grocery, gas and drugstore classifications and merchant automatic recurring payments only.
Assign overlapping eligible purchases once to the higher category subject to its limit.

Redemption methods

Remises en argent
Full cash value
Fonctionnement
- Cashback earned from January through December statements is redeemed at the end of the December statement period and credited to the next January statement.
- Account must be open and in good standing.
- Eligible net purchases in an open account in good standing.
Issuer redemption terms

Rates checked 2026-10-10. Issuer rewards terms

Issuer category definitions, earning limits and restrictions apply.

Assurances et avantages

Soins médicaux en voyage: not included
Annulation de voyage: not included
Interruption de voyage: not included
Retard de vol: not included
Bagages: not included
Location de voiture: not included
Accident de voyage: not included
Vol à l’hôtel ou au motel: not included
Appareils mobiles: not included
Protection des achats: included
Garantie prolongée: included

2 assurances

AssuranceCoverage

Protection des achats60 000 $
$60,000 shared total per cardholder across Simplii cards
90 days
Canadian resident; only card-paid portion covered. Personal goods; commercial, used and excluded items excluded. Other-insurance and claim-evidence conditions apply. Historical catalogue notes (unverified; reviewed certificate controls): Purchase security and extended warranty, subject to coverage terms.
Issuer terms (opens new tab)
Not counted in this estimate
Garantie prolongée60 000 $
$60,000 shared total per cardholder across Simplii cards
Doubles warranty; up to 1 additional year
Canadian resident; only card-paid portion covered. Personal goods; commercial, used and excluded items excluded. Other-insurance and claim-evidence conditions apply. Original warranty valid in Canada or US; warranties over 5 years require registration within first year.
Issuer terms (opens new tab)
Not counted in this estimate

Points forts et points faibles

Points forts

4 % de remise en argent dans les restaurants et bars admissibles
Sans frais annuels

Points faibles

Les catégories bonifiées ont des plafonds de dépenses

Échange

Minimum, délais et restrictions d’échange

Cashback earned from January through December statements is redeemed at the end of the December statement period and credited to the next January statement; account must be open and in good standing.

Cashback earned from January through December statements is redeemed at the end of the December statement period and credited to the next January statement; account must be open and in good standing.

Sources et mentions légales

Points à considérer

Confirmez auprès de l’émetteur les frais, les restrictions d’accumulation, les conditions d’adhésion et les modalités actuelles avant de faire une demande.

Dernière vérification : 10 octobre 2026.

Ce qui n’est pas inclus

Les valeurs n’incluent pas les frais d’intérêt : elles supposent que vous payez votre solde en entier chaque mois. Les assurances et les avantages sans valeur fixe en dollars sont indiqués, mais pas comptés.

WalletReturn est un site de comparaison indépendant, pas l’émetteur de la carte. Les valeurs sont des estimations.

Divulgation publicitaire : WalletReturn peut toucher une commission lorsque vous faites une demande au moyen de certains liens. Cela ne change ni nos calculs ni l’ordre des cartes. Consultez notre méthodologie publiée et divulgation publicitaire.

Vérifiez les conditions actuelles du produit auprès de l’émetteur avant de faire une demande.

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