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Simplii Financial™ Cash Back Visa* Card
4.4
MBNA Rewards World Elite® Mastercard®
5
Finly Rebate
Finly Rebate
Rewards Breakdown
Annual Rewards
$346.79
First Year Bonus
$84.95
Annual Fee
$0
First Year Value
$431.74
$346.79 in years after
Based on $2,000/mo average spending. Calculate your rewards.
Rewards Breakdown
Annual Rewards
$657.62
MBNA Rewards
First Year Bonus
$300
MBNA Rewards
Annual Fee
$120
First Year Value
$837.62
$537.62 in years after
Based on $2,000/mo average spending. Calculate your rewards.
Insurance Included*
Extended Warranty
Purchase Protection
Insurance Included*
Extended Warranty
Purchase Protection
Lost or Stolen Baggage
Baggage Delay
Car Rental Damage & Theft
Travel Accident
Mobile Device Insurance
Emergency Out of province Medical
Flight Delay
Extra Benefits*
N/A
Extra Benefits*
Price Protection
Car Rental Discount
Trip and legal Assistance
Annual Birthday Bonus
Concierge Services
Interest Rates*
Purchase:
20.99%1
Cash Advance:
22.99%1
Balance Transfer:
22.99%1
Interest Rates*
Purchase:
19.99%
Cash Advance:
24.99%
Balance Transfer:
22.99%
Annual Fee*
$0
Annual Fee*
$120
Income Required*
Min Personal Income:
$15,000
Min Household Income:
$15,000
Income Required*
Min Personal Income:
$80,000
Min Household Income:
$150,000
Welcome Bonus*
Earn up to 10% cash back† for your first 3 months up to $1,000 eligible spend.
Welcome Bonus*
10,000 bonus points†† for going Paperless. 20,000†† bonus points after spending $2,000 within 90 days of account opening. This offer is not available for residents of Quebec.
Rewards Rate*
Rewards Rate*
Loyalty Program*
N/A
Loyalty Program*
Point Redemption Options*
Not Applicable
Point Redemption Options*
Most Optimal
Travel
Gift Cards
Statement Credits (Cash) - World Elite
Merchandise
Statement Credits (Cash) - Platinum
Is this card worth it?
If you dine out a lot and don't want to pay an annual fee for your credit card, the Simplii Financial™ Cash Back Visa* Card will undoubtedly be one of your best friends with its 4% cashback. Additionally, the card offers a decent cashback rate (1.5%) for gas, pharmacy, and groceries, making it one of the best no-annual-fee cashback credit cards in Canada. However, there are limits on how much you can earn in these categories. Therefore, you need to be careful not to exceed those limits; otherwise, your cashback rate will drop to 0.5% after those spending limits are reached.
Is this card worth it?
The MBNA Rewards World Elite® Mastercard® is one of the best reward credit cards in Canada, offering high rewards on frequently spent categories such as groceries and restaurant purchases. The annual birthday bonus, unique to this card, also provides a significant boost to your yearly earnings. Additionally, the card features a comprehensive list of benefits, including price protection—a rare and valuable perk not found with many other cards in Canada. These factors make this card one of the best to have in Canada.
Pros
Pros
Cons
Cons
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