Independent ClearFin review · Simplii Financial
Start with 20% cash back on selected everyday categories for the first 3 statements — up to $100 total cash back.
Current new-cardmember offer
Confirm with the issuer
🍽️ 4% DiningIts strongest published earn rate in our data is 4.0% on dining. With no annual fee, it can be easier to keep long term without needing rewards to offset a yearly cost.
Checked 2026-08-09 · Official issuer catalogueNew cardmembers can earn 20% cash back on selected everyday categories for the first 3 statements — up to $100 total cash back by completing the steps below.
Offer applies to eligible gas, groceries, drugstores and pre-authorized payments on up to $500 in total qualifying purchases. Full issuer terms apply.
Confirm final approval criteria and current rates directly with the issuer.
Reward limits: Cash back earning is tiered with strict annual spending caps per category. Earnings reset annually after December statement.
Earning cap
Earning cap
Earning cap
Redemption values and availability may vary by option and can change.
Redeem earned cash rewards using the issuer's available cash-back or statement-credit options.
Minimum redemption amounts, automatic payout timing, and eligible account credits vary by issuer; confirm the current program terms before applying.
Consider these extras by the value they add to purchases and experiences you already use.
No annual fee
The card has no annual fee for primary or additional cardholders.
Cash back rewards structure
Earn cash back on everyday spending categories including dining, groceries, gas, drugstores, and recurring payments.
Flexible earning with no total cap
There is no limit on the total cash back that can be earned annually.
Fraud protection and security features
Chip and PIN security with real-time fraud alerts for suspicious activity.
Mobile wallet compatibility
Supports Apple Pay, Google Pay, and Samsung Pay for secure digital payments.
Purchase security and extended warranty insurance
Includes coverage that doubles manufacturer warranty up to one additional year on eligible purchases.
Global Money Transfer feature
Allows cash back on eligible Global Money Transfers when paid with the card.
No included coverage is verified in ClearFin's current catalogue.
This does not prove that coverage is unavailable. Confirm the issuer's current certificate and benefit guide before relying on protection.
Check the official card page ↗What we like
Worth noting
A practical reading of where the card earns, what the fee buys, and which limits matter.
4% on restaurants, bars & coffee shops. 1.5% on gas, groceries, drugstore & bills. 0.5% else. No fee.
Dining receive the strongest estimated return at 4.0%. Purchases outside the accelerated categories earn an estimated 0.50%.
There is no annual fee to recover, which can make the card easier to keep for credit-history length or occasional use. Interest and other transaction fees can still apply.
This card is most relevant for someone who spends consistently on dining and groceries and prefers to avoid a yearly fee.
Compare the purchase interest rate, foreign-transaction fee, approval requirements, reward limits, and insurance certificates. Pay particular attention to merchant-category rules because a store may not receive the reward rate its products appear to suggest.
Issuer terms apply. ClearFin is not affiliated with this provider. How we make money. Card facts were checked against the issuer's official source. The issuer's current catalogue was checked. Any field not explicitly listed remains marked as unverified rather than estimated.
