New cardmembers can earn introductory cash back offer for new cardholders, worth roughly $100, by completing the steps below.
How to earn it
Up to 20% cash back on eligible gas, grocery, drugstore purchases and pre-authorized payments (intro bonus component)Spend up to $500 in eligible categories during first 3 months after account opening
Up to $100 total promotional cash backEarned through eligible spending during initial promotional period
New Simplii Cash Back Visa cardholders only; subject to approval and promotional terms.
How you earn
4% cash back on eligible restaurant, bar, and coffee shop purchases (up to $5,000 annual spend limit)
1.5% cash back on eligible gas, grocery, drugstore purchases and pre-authorized payments (up to $15,000 annual spend limit)
0.5% cash back on all other eligible purchases with no annual limit
No overall cap on total cash back earnings
Built-in perks & coverage
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.
The verdict
What we like
No annual fee for primary and additional cardholders
Strong cash back structure with up to 4% on dining and 1.5% on everyday essentials
No overall limit on total cash back earnings (only category-based caps apply)
Worth noting
Category caps limit higher earn rates (restaurants capped at $5,000 annually; essentials capped at $15,000)
Lower base earn rate of 0.5% on all uncategorized purchases
Cash back is applied annually rather than instantly or monthly redemption
Issuer terms apply. ClearFin is not affiliated with this provider. How we make money.
