Simplii Financial™ Cash Back Visa* Card Review 2024
Welcome Bonus 10% bonus cash back at eligible restaurants and bars up to $500 spend (first four months)*
- Earn 4% cash back on eligible restaurant, bar and coffee shop purchases, up to $5,000 per year- after that 0.5% unlimited.
- Earn 1.5% cash back on eligible gas, groceries, drugstore purchases and pre-authorized payments, up to $15,000 per year - after that 0.5% unlimited.
- Earn 0.5% cash back on all other credit card purchases with no limit on how much you earn.
- Dine at restaurants, fill your gas tank, buy groceries — there's no limit to the total cash back you can earn.
- A great cash back no-fee card for restaurants and food delivery
No annual fee
Additional cardholders
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Priority airport services
No
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Airport lounge access
No
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Concierge service
No
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Balance protection(Optional)
Yes
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Purchase Security & Extended Protection Insurance
Yes
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Flight delay insurance,Baggage Insurance
No
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Vehicle rental insurance
No
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Travel accident insurance
No
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Travel medical insurance
Yes
- Annual Fee: $0
- Additional Card Fee: $0
- Purchases Interest Rate: 19.99%
- Cash Advance Interest Rate: 22.99%
- You're a Canadian resident
- You've reached the age of majority in your province or territory
Pay with your phone
Add your credit card to your mobile wallet and pay with Apple Pay, Google Pay™ or Samsung Pay®.
Helps you pay your credit card in times of need, like involuntary job loss, disability, critical illness or if you were to pass away.
Enjoy your trip more knowing you have insurance protection in the event of an emergency.
If you love to get a lot of cash back on your purchases and you want to see those dollars pouring in, then you'll simply love the Simplii Financial® Cash Back Visa* Card. This "simple" cash back card offers some of the best rewards on the Canadian market, giving you cash back of up to 10%.
This amazing card comes with no annual fee and allows you to add up to 3 additional cardholders. It offers you a wide range of rewards, including unlimited cash back, payment app integration, extended protection insurance, purchase security, and extras.
In terms of cash back, you'll earn 4% on eligible restaurants and coffee shops, 1.5% on groceries, pre-authorized payments, gas & drugstore purchases, and 0.5% on all other credit card purchases. You can quickly calculate your cash back with the tool on their website.
Optionally, you can add CIBC payment protector insurance and emergency travel medical insurance. To become eligible for this card, all you need to have is a minimum of $15k household income.
American Express Cobalt® Credit Card review 2024
Welcome Offer:
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In your first year as a new Cobalt Cardmember, you can earn 1,250 Membership Rewards® points for each monthly billing period in which you spend $750 in purchases on your Card. This could add up to 15,000 points in a year.
American Express Cobalt® Card Income Requirements Many American Express credit cards have income range requirement to be eligible for the card however the Amex Cobalt Card doesn’t have a specific income requirement which mean that you could be approved for this credit card if you meet the requirements below: Credit score of 670+ You must be the age of majority. Canadian resident with a Canadian credit file.
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Earn Cash Back
- In your first 10 months as a new SimplyCash® Card from American Express Cardmember, you can earn a $10 statement credit for each monthly billing period in which you spend $300 in purchases on your Card. This could add up to $100 in statement credits in the first 10 months
- Earn accelerated earn rates on eligible gas and grocery purchases
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Earn 2% cash back on eligible gas purchases in Canada, 2% cash back on eligible grocery purchases in Canada (up to $300 cash back annually), and 1.25% cash back on all other eligible purchases
Access events and special offers curated for Cardmembers with American Express® Experiences
American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details, current product information and Terms and Conditions, click the Apply now link. Conditions Apply
Author Bio
Mohamed Konate is a personal finance expert, blogger, and marketing consultant based in Toronto. He is a former financial services professional who worked at major Canadian financial institutions for many years. He managed the marketing strategy around various financial products ranging from credit cards to lines of credit. Mohamed is passionate about personal finance and holds a Bachelor's in Business Administration from the University of Quebec (Montreal) and a Master's in International Business from the University of Sherbrooke (Quebec). He is also the author of the Canadian Credit Card Guidebook.
