Wealthsimple credit cards & products
A Canadian fintech better known for investing, offering a card tied to its broader account ecosystem.
What Wealthsimple does well
- No foreign exchange fees on card spending
- Integrates with Wealthsimple's investing and chequing products
What to watch for
- Best benefits are tied to holding assets with Wealthsimple
All 1 Wealthsimple credit card
Wealthsimple chequing accounts
No monthly fee, no ATM fees and no foreign exchange fees, which is unusual in Canada.
No foreign exchange fees on card spending, and ATM fees are reimbursed on eligible plans.
Rate verified August 3, 2026 · confirm with the institution before applying
Frequently asked questions about Wealthsimple
What credit cards does Wealthsimple offer?
We track 1 Wealthsimple credit card. Annual fees run from $240 to $240. They run on Visa. Wealthsimple also offers 1 banking product we cover.
What credit score do you need for a Wealthsimple card?
Across the Wealthsimple cards we track, our recommended scores range from 725 to 725. Entry-level and no-fee cards sit at the lower end, while premium cards typically want 725+ along with the income requirement. These are VaultNerd estimates based on card tier and stated income requirements, not official issuer cutoffs.
Compare Wealthsimple against everything else
Loyalty to one bank rarely pays. Run your actual spending through the card finder to see whether a Wealthsimple card genuinely earns you the most, or browse every card we cover.
Researching and writing about Canadian personal finance since 2026.
Last reviewed August 2026 · How we research
“Wealthsimple Products.” VaultNerd, https://www.vaultnerd.com/ca/banks/wealthsimple, updated August 2026.
- Wealthsimple published product pages and cardholder agreements
- VaultNerd products database