Rewards
Base earn rate0.5% cash back on all other credit card purchases with no limit
Welcome bonusEarn up to $100 cash back in your first 3 months when you spend up to $500 on eligible gas, grocery, and drugstore purchases, and pre-authorized payments
Rewards typecashback
Fees & rates
Annual fee$0
Additional card$0
Purchase interest rate21.99%
Cash advance rate22.99%
Foreign transaction fee2.5% (typical)
Standout perks
⭐
Free Skip+ membership with $20 welcome voucher when you link your eligible Simplii debit or credit card to Skip
Skip+ membership + $20 voucher
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Click to Pay functionality for faster online checkout experience (available starting October 21, 2026)
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Cash back when sending Global Money Transfer with no transaction fees
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Up to $10,000 credit limit through New to Canada Banking Program with no annual fee
$10,000 credit limit
Everyday features
📱 Apple Pay & Google Pay
🔒 Zero-liability fraud protection
📶 Tap to pay
🛒 Purchase security
Insurance coverage
🛡️
purchase protection
double the manufacturer's warranty, up to one additional year
🛡️
travel medical
Included — see issuer for details.
Eligibility
Minimum personal income$15,000
Credit score guidanceGood (660+)
ResidencyCanadian resident