VaultNerd
Online bank (CIBC-owned)

Simplii Financial credit cards & products

CIBC's online bank, offering no-fee everyday banking and a straightforward cashback card.

Products covered
3
No annual fee
1
Top rated
3.9/5
Score range
640–640

What Simplii Financial does well

  • Genuinely no-fee everyday banking with unlimited transactions
  • Free access to CIBC's ATM network
  • Frequently among the top promotional savings rates

What to watch for

  • No branches
  • A narrow card lineup compared with parent CIBC

All 1 Simplii Financial credit card

1 card
Simplii Financial Cash Back Visa Card
cash-backVisa
Simplii Financial Cash Back Visa CardSimplii Financial
4% Restaurants, bars & coffee shops
Annual fee None3.9
Rec. score 640+Moderate approval
DetailsApply
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Simplii Financial savings accounts

1 product
Simplii Financial High Interest Savings AccountSimplii Financial

The strongest promotional rate on the market right now, with no minimum balance and no monthly fee.

4.6%
Promo rate (5 mo)
4.6
Rate after promo: 1%
Monthly fee: None
Minimum balance: None
CDIC insured: Yes

Regular rate ranges from 0.30% to 1.00% once the 5-month promotional period ends.

Rate verified August 3, 2026 · confirm with the institution before applying

Details

Simplii Financial chequing accounts

1 product
Simplii No Fee Chequing AccountSimplii Financial

Unlimited debit transactions and free access to 3,400+ CIBC ATMs across Canada.

Free
Monthly fee
4.5
Transactions: Unlimited
Fee waived at: n/a
Free e-Transfers: Yes

Rate verified August 3, 2026 · confirm with the institution before applying

Details

Frequently asked questions about Simplii Financial

What credit cards does Simplii Financial offer?

We track 1 Simplii Financial credit card, 1 of which have no annual fee. All of them are no-fee. They run on Visa. Simplii Financial also offers 2 banking products we cover.

What credit score do you need for a Simplii Financial card?

Across the Simplii Financial cards we track, our recommended scores range from 640 to 640. Entry-level and no-fee cards sit at the lower end, while premium cards typically want 640+ along with the income requirement. These are VaultNerd estimates based on card tier and stated income requirements, not official issuer cutoffs.

Compare Simplii Financial against everything else

Loyalty to one bank rarely pays. Run your actual spending through the card finder to see whether a Simplii Financial card genuinely earns you the most, or browse every card we cover.

Disclaimer: This article is for informational purposes only and does not constitute financial, tax, or legal advice. Information may be simplified, incomplete, or out of date. Consult a licensed professional before making financial decisions. VaultNerd may receive compensation from partners featured on this site. This does not influence our editorial content.
Written by
VaultNerd Editorial Team

Researching and writing about Canadian personal finance since 2026.

Last reviewed August 2026 · How we research

Cite this page

“Simplii Financial Products.” VaultNerd, https://www.vaultnerd.com/ca/banks/simplii-financial, updated August 2026.

Sources
  • Simplii Financial published product pages and cardholder agreements
  • VaultNerd products database