Simplii Financial Cash Back Visa cashback rate, cap and annual fee
Simplii Financial Cash Back Visa pays 4% on dining, and 5 other rates.
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Simplii Financial · Canada · catalogue v107
Read from Simplii Financial's own published terms on 28 Oct 2026.
NoneAnnual fee
CAD 5,000Spend at the top rate, a year
4%Best rate
What it pays, by category
| Spending | Rate | Monthly cap |
|---|---|---|
| dining | 4.00% | —4% at restaurants, bars, coffee shops, fast food and caterers, on the first $5,000 a year; then 0.5%. |
| fuel | 1.50% | —1.5% at gas stations. Shares one $15,000 yearly allowance across gas, grocery, drugstore and pre-authorized payments; then 0.5%. |
| groceries | 1.50% | —1.5% at grocery stores and supermarkets. Shares one $15,000 yearly allowance across gas, grocery, drugstore and pre-authorized payments; then 0.5%. |
| pharmacy | 1.50% | —1.5% at drugstores and pharmacies. Shares one $15,000 yearly allowance across gas, grocery, drugstore and pre-authorized payments; then 0.5%. |
| pre-authorized paymentseverything else | 1.50% | —1.5% on pre-authorized payments billed automatically by the merchant. Shares one $15,000 yearly allowance across gas, grocery, drugstore and pre-autho |
| everything else | 0.50% | —0.5% on all other purchases, with no limit. |
No annual fee. 4% on dining up to $5,000 a year, 1.5% on gas, groceries, drugstores and pre-authorized payments up to $15,000 a year combined, 0.5% elsewhere; limits reset after the December statement and cash back is paid on the January statement. Each 1.5% rule carries the $15,000 and the sharing is in the notes. 2.5% foreign currency conversion fee. Source: simplii.com Cash Back Visa page, its cash-back details fragment and Simplii's Summary of Rates and Fees (2025/09), read 28 Oct 2026.
Questions people ask
What cashback does the Simplii Financial Cash Back Visa pay?
4% on dining, and 5 other rates.
Is there a cap on the Simplii Financial Cash Back Visa?
No monthly cap is published on the rates shown here.
What is the annual fee on the Simplii Financial Cash Back Visa?
No annual fee.
Knowing the rate is not the same as remembering it
PayperWIZ holds the cards you actually own and names the right one at the till — after the cap you have already used this month, and after the foreign-currency fee. Every rate in it says where it came from, the way this page does: read off the issuer and dated, or marked indicative.
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