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Simplii Financial Cash Back Visa review

4.2Rated by the CreditCardGuru Editorial Team

The best no-fee card for people who eat out a lot. The 4% dining rate is hard to beat without paying an annual fee — just watch the annual cap.

At a glance

Annual fee
No annual fee
Welcome bonus
~$150
Foreign tx fee
2.5%
Network
VISA
Rewards
cash back
Purchase APR
19.99%

Rewards & earn rates

Restaurants, bars & coffee shops4% on up to $5,000/yr4%
Gas & EV charging1.5%
Groceries1.5%
Recurring bills1.5%
Everything else0.5%

Welcome offer: Earn up to $150 plus elevated rates as a welcome offer.

Pros & cons

Pros

  • Excellent no-fee dining rate
  • Useful 1.5% on gas, groceries and bills
  • No annual fee

Cons

  • Dining 4% capped at $5,000/year
  • Only 0.5% on general spend

Perks & insurance

Key perks

  • No annual fee
  • 4% at restaurants is rare for a no-fee card
  • Pairs with the no-fee Simplii chequing account

Insurance

  • Purchase security
  • Extended warranty

Rates & fees

Annual fee
None
Purchase interest
19.99%
Cash advance
22.99%
Foreign transactions
2.5%
Last updated June 1, 2026Reviewed by CreditCardGuru Editorial Team

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