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Advertiser Disclosure This website is an independent, advertising-supported comparison service. We have financial relationships with some of the products and services found on this site and may be compensated if you choose to use any of these links. Any card offers that appear on this site are from companies from which this website receives compensation. This website does not include all card companies or all card offers available in the marketplace. This website may use other proprietary factors to impact card offer listings on the website such as consumer selection or the likelihood of the applicant’s credit approval. Okay Select A Region * 🇨🇦 Canada (Current) * 🇺🇸 United States * 🇬🇧 United Kingdom * 🇦🇺 Australia Cancel Re-Order Categories Move the selected category up or down. Done Advertiser Disclosure 🇨🇦 CA * Featured Offers * Credit Card Offers * Tangerine World Mastercard - Earn 10% Cash Back * Tangerine Money-Back Credit Card - Earn 10% Cash Back * Cash Back Portal Offers * Earn $30 With Rakuten Rewards * Credit Card Rewards Calculators * Credit Card Finder * Business Credit Card Finder -------------------------------------------------------------------------------- * Best Travel Rewards Credit Cards Canada * Best Cash Back Credit Cards Canada * Best No Fee Credit Cards Canada -------------------------------------------------------------------------------- * Best Restaurant Credit Cards Canada * Best Grocery Credit Cards Canada * Best Gas Credit Cards Canada * Rewards Programs * Travel Rewards Points Calculators * TD Rewards Points Calculators * RBC Rewards & Avion Rewards Point Calculators * AMEX Membership Rewards Point Calculators -------------------------------------------------------------------------------- * Cash Back Credit Card Calculators * Tangerine Cash Back Calculators -------------------------------------------------------------------------------- * Airline Frequent Flyer Miles Calculators * Hotel Rewards Points Calculators * Retail & Store Rewards Calculators * Transit & Rental Car Rewards Programs * Other Tools & Resources * Credit Card Comparison Tool * Points & Miles Valuations * Rewards Transfer Calculator * Miles & Points To Dollars Calculators -------------------------------------------------------------------------------- * Online Shopping Portals: How They Work, Payouts, & Reviews -------------------------------------------------------------------------------- * About The Site * About Me: The Point Calculator * Advertise On The Point Calculator * Featured Offers Credit Card Offers Tangerine World Mastercard Earn 10% back (up to $100) when you spend up to $1,000 in everyday purchases within your first 2 months. Get 2% back on up to 3 categories of your choice after that, plus travel benefits. Tangerine Money-Back Credit Card Earn 10% back (up to $100) when you spend up to $1,000 in everyday purchases within your first 2 months. Get 2% back on up to 3 categories of your choice after that. * Credit Card Rewards Calculators Credit Card Finder Tools Cash Back Credit Cards Travel Credit Cards Best No Annual Fee Cards Restaurant/Dining Credit Cards Grocery Credit Cards Gas Credit Cards Credit Card Finder Find the best rewards credit cards based on how much you spend across various categories Business Credit Card Finder Find the best business rewards credit cards based on your business expenses Credit Card Search Use the credit card search on our home page to search for cards by name Tangerine Money-Back Credit Card Best For Flexibility Simplii Financial Cash Back Visa Best For Dining, Bars, & Coffee Shops SimplyCash™ Preferred Card from American Express Best For 2% Cash Back Best Cash Back Credit Cards Canada Get our top picks and calculate which cards will earn you the most cash back American Express Cobalt™ Card Best For Flexible Travel Rewards Scotiabank Gold American Express® Card Best For No Foreign Transaction Fee MBNA Rewards Platinum Plus® Mastercard® Best For No Annual Fee Best Travel Rewards Credit Cards Canada Get our top picks and calculate which cards will earn you the most travel rewards Tangerine Money-Back Credit Card Best For Cash Back Simplii Financial Cash Back Visa Best For Dining SimplyCash™ Card from American Express Best For Flat-Rate Cash Back Best No Fee Credit Cards Canada Get our top picks and calculate which cards will earn you the most rewards with no annual fee Simplii Financial™ Cash Back Visa Card Best For High Cash Back American Express Cobalt™ Card Best For Flexible Travel Rewards Scotiabank Gold American Express® Card Best For No Foreign Transaction Fee Best Restaurant Credit Cards Canada Get our top picks and calculate which cards will earn you the most rewards at restaurants American Express Cobalt™ Card Best For Flexible Rewards Tangerine Money-Back Mastercard Best For No Annual Fee PC Financial World Elite Mastercard® Best For Loblaw Companies Best Grocery Credit Cards Canada Get our top picks and calculate which cards will earn you the most rewards on groceries Tangerine Money-Back Mastercard Best For No Annual Fee BMO eclipse Visa Infinite Card Best For Travel Rewards PC Financial World Elite Mastercard® Best For Esso & Mobil Best Gas Credit Cards Canada Get our top picks and calculate which cards will earn you the most rewards on gas * Rewards Programs Travel Rewards Store & Retail Rewards Airline Rewards Hotel Rewards Other Rewards TD Rewards Points Calculators Calculate points for TD Rewards credit cards and the cash value of TD Rewards Points RBC Rewards & RBC Avion Points Calculators Calculate RBC credit card points, RBC point value, and the transfer of points to RBC's partners AMEX Membership Rewards Points Calculators Calculate AMEX credit card points, AMEX points value, and the transfer of points to AMEX's travel partners Travel Rewards Points Calculators View all travel rewards programs and calculate reward value, point transfers, and more Aeroplan Points Calculators Calculate how many Aeroplan Points you can earn with Air Canada's 10 credit cards and the transfer of points to Aeroplan WestJet Dollars Calculators Calculate how many WestJet Dollars you can earn with RBC's two WestJet credit cards Airline Frequent Flyer Miles Calculators View all available frequent flyer programs and calculate mile value, transfers, and more Marriott Bonvoy Point Calculators Large hotel chain with 7,000+ properties; 2 AMEX credit cards for earning points Hilton Honors Points Calculators Large hotel chain with over 5,200+ properties; Earn points with partner credit cards Best Western Points Calculators Well known hotel chain with 4,100+ properties; 1 MBNA credit card for earning points Hotel Rewards Points Calculators View all available hotel rewards programs and calculate point values, transfers, and more Canadian Tire Money Calculators Calculate how much CT Money you can earn on purchases and with the Triangle Mastercard PC Optimum Points Calculators Calculate how many PC Points you can earn with PC Financial credit cards and during special events such as Shoppers 20X Points Costco Rewards Calculate how much cash back you can earn with Costco credit cards and shopping at Costco plus find out when Costco Executive is worth it Retail & Store Rewards Calculators Calculate rewards and view the benefits of signing up with all of your favorite retail rewards programs Canada Cash Back Credit Cards View all cash back credit cards and calculate total cash back Transit & Rental Car Rewards Programs View all available car rental and transportation programs, read up on the benefits, and calculate rewards Cash Back Portals Maximize your cash back shopping online with cash back portals and learn how to easily double and triple dip on rewards * Other Tools & Resources Tools & Calculators About The Point Calculator Credit Card Comparison Tool Build your own combination of credit cards from different issuers and calculate the total value of all cards Points & Miles Valuations View how much we value points and miles earned in programs worldwide. Rewards Transfer Calculator Calculate the transfer of rewards between popular rewards programs. Miles & Points To Dollars Calculators Calculate the average cash value of points and miles in popular programs on the fly based on our redemption values About The Site Learn about the site with the many, many calculators scattered about About Me... The Point Calculator Learn more about the person behind the calculators Advertise On The Point Calculator Looking to advertise on The Point Calculator? Contact us! 1. Home 2. Canada Cash Back Credit Cards SIMPLII FINANCIAL VISA CREDIT CARD Benefits & Cash Back Calculator Review the benefits of the Simplii Financial Visa Credit Card and estimate how much cash back you can earn based on your monthly and yearly spend. Advertiser Disclosure Last Updated 2022-06-11 Tangerine World Mastercard Earn 10% back on up to $1,000 in everyday purchases made within your first 2 months. Plus, receive rewards paid out monthly and travel benefits. No annual fee. Learn More Partner Credit Card Offers Apply Now Get 10% cash back, airport lounge access, and travel insurance + no annual fee Apply Now Get 20,000 bonus points, up to $250 in travel-fee refunds, and comprehensive travel insurance report this ad Our Most Popular Calculators Canada Credit Card Finder Tool Find out which Canada credit cards will earn you the most rewards based on the monthly and yearly spend amounts you enter into our tool Canada Business Credit Card Finder Tool Find out which Canada business credit cards will earn your business the most rewards based on the monthly and yearly business expenses you enter into our tool Credit Card Comparison Tool Build your own combination of credit cards from any issuer in Canada and calculate rewards for all of them based on the spend amounts you enter into our tool Rewards Transfer Calculator Calculate the transfer of points and miles between rewards programs and get a list of the best Canada credit card offers for quickly earning rewards report this ad The Simplii Financial Cash Back Visa is a no-annual fee card that earns a whopping 4% cash back on up to $5,000 in annual dining purchases. The card also earns 1.5% cash back on up to $15,000 in combined gas, grocery, drugstore, and pre-authorized payment purchases. Overall, it's an excellent card for any foodie that wants to maximize spending when dining out as well as earn a solid return across other everyday categories at no fee. Show Table of Contents * Card Details At A Glance * Earning Rates * Card Benefits * Cash Back Calculator CARD DETAILS AT-A-GLANCE Simplii Financial Cash Back Visa REWARDS RATE 4% Earn 4% cash back on eligible restaurant, bar and coffee shop purchases, up to $5,000 per year. 1.5% Earn 1.5% cash back on on eligible gas, groceries, drugstore purchases and pre-authorized payments, up to $15,000 per year. 0.5% Earn 0.5% cash back on all other credit card purchases with no limit on how much you can earn. ANNUAL FEE $0 AUTHORIZED USER FEE N/A FOREIGN TRANSACTION FEE 2.5% INCOME REQUIREMENT $15,000 annual household income WELCOME BONUS Loading... Loading... REWARDS RATE ANNUAL FEE Loading... AUTHORIZED USER FEE Loading... FOREIGN TRANSACTION FEE Loading... MINIMUM INCOME REQUIREMENT Loading... WELCOME BONUS Loading... Loading... REWARDS RATE ANNUAL FEE Loading... AUTHORIZED USER FEE Loading... FOREIGN TRANSACTION FEE Loading... INCOME REQUIREMENT Loading... WELCOME BONUS Loading... SIMPLII CASH BACK VISA EARNING RATES The 4% cash back category (restaurant) earns on up to $5,000 per year in which you'll earn 0.5% cash back for the rest of the year once the cap is hit. The 1.5% cash back categories (gas, grocery, drugstore, and pre-authorized payments) share a combined bonus spend cap of up to $15,000 per year in which you'll earn 0.5% cash back once the cap is hit. 4% RESTAURANT The Simplii Financial Cash Back Visa earns 4% cash back on restaurant purchases. This includes bars and coffee shop purchases. 1.5% GAS STATION The Simplii Financial Cash Back Visa earns 1.5% cash back on gas station purchases. 1.5% GROCERY The Simplii Financial Cash Back Visa earns 1.5% cash back on grocery purchases. 1.5% DRUGSTORE The Simplii Financial Cash Back Visa earns 1.5% cash back on drugstore purchases. 1.5% PRE-AUTHORIZED PAYMENTS The Simplii Financial Cash Back Visa earns 1.5% cash back on pre-authorized payments. These are recurring payments that are pre-authorized for your card (typically charges that are on auto pay). 0.5% EVERYTHING ELSE All other purchases on the Simplii Financial Cash Back Visa will earn 0.5% cash back. SIMPLII CASH BACK VISA BENEFITS SHOPPING INSURANCE * Purchase Security * Extended Protection Insurance SIMPLII FINANCIAL CASH BACK CALCULATOR Input your monthly and yearly spend amounts to estimate your earnings with the Simplii Financial Cash Back Visa card. Compare the results side by side up to two credit cards to find out which cards are best for you. Any spend entered into the primary card column (the first column) will carry over to all credit card calculators on the site, so there's no need to re-enter spend when viewing other credit cards. Loading Calculator... If the calculator doesn't load after a few seconds, click here to re-load calculator. Credit Cards Use this section to add credit cards to the calculator. You can search for a card or go through our top recommendations for each category. Once you select a card, you'll be shown the details of the card. Any link you click on in the details will open up in a new tab, so you will not lose your calculations. Clicking on Add Selected Card will add it to the calculator. Simplii Financial Cash Back Visa Show/Hide Column Remove Card Loading... Show/Hide Column Remove Card Loading... Show/Hide Column Remove Card Compare A Card Add a credit card to compare side by side based on spend, benefits and fees. Compare A Card Search Cards Family Cards Travel Cards Cash Back Cards Business Cards Airline Cards Hotel Cards No Annual Fee Search Cards Search for a credit card by name, rewards program, or the rewards currency it earns. Search Results Display Here Family Cards These cards are part of the same family and generally earn the same type of rewards. Loading... Travel Cards Travel credit cards are great for building rewards redeemable towards a wide variety of travel including airfare, hotels, car rentals, cruises, and more. Most travel cards also offer a range of benefits that can make your trips more enjoyable and save you money. Loading... Cash Back Cards Cash back is one of the most flexible form of rewards and most easy to understand. Rewards earned are worth face value and they can be used towards almost anything. Loading... Business Cards Put money back into your business by earning cash back, points, or miles on business expenses. Many cards also offer travel insurance, purchase protection, and more. Loading... Airline Cards These are the best credit cards if you're looking to use rewards towards award flights. Some of these cards also offer various benefits such as lounge access the ability to earn qualifying miles through spending. Loading... Hotel Cards If you're looking to use rewards towards free nights at hotels, these are the best cards for you. Many of these cards also offer great benefits such as annual free nights, complimentary elite status, and more. Loading... No Annual Fee If you're looking to minimize your immediate costs while still earning plenty of value, you may want to consider a credit card with no annual fee. Some of these cards also offer lower interest rates and balance transfer offers. Loading... Loading... Intro Bonus: Annual Fee: Authorized User Fee: Bonus Categories: Add Categories - Adds any missing bonus categories from the selected card to the Category Spending section once added. Copy Spend - Copies spend values from the first column to the second/third column on card add. Add Selected Card Cancel/Close Loyalty & Memberships Loyalty: When adding hotel rewards cards (and a select few others) you'll be able to factor in the points earned from elite status. If a card offers complimentary status, the proper status will be selected by default. Loyalty is reflected by a blue LOY image. Adding a card with loyalty attached to it will add it to the calculator. It becomes its own entity once added to the calculator and can be removed independent of the card that added it. Membership: If a card offers any kind of bonus rewards based on your membership in a program, the option will be listed here. Do note that some options calculate automatically. Welcome Bonus: Any welcome bonuses that changes the earning rates of a card will also be listed here. This allows you to toggle the bonus on or off. Category Spending Use this section to enter how much you plan on spending either monthly or yearly across different categories for each card listed. You can click on the option button for access to a lot of useful tools you can use to quickly adjust spending for the calculator. Change Order Change the order of the categories in the Category Spending section. This has an impact on cards that have spend limits and bonus caps on categories. Clear All Spend Resets all fields in the Category Spending section for all columns. Also clears all saved spend values that carry from calculator to calculator. Add Categories Search for categories and click 'Add Category' to add it to the calculator. If you want to be more specific, you can specify domestic or international spend. Type at least 3 characters. Currently Selected: Spend Region: General (Default) Domestic Spend International Spend Add Category Close Restaurant and/or Dining Card purchases made at a restaurant or dining facility. 4% $ MonthlyYearly - MonthlyYearly - MonthlyYearly Gas Stations Card purchases made at gas stations. 1.5% $ MonthlyYearly - MonthlyYearly - MonthlyYearly Supermarket and/or Grocery Store Card purchases made at a supermarket or grocery store. 1.5% $ MonthlyYearly - MonthlyYearly - MonthlyYearly Drugstore Card purchases done at drugstores. 1.5% $ MonthlyYearly - MonthlyYearly - MonthlyYearly Recurring and/or Pre-Authorized Payments Automatic purchases made to the card via recurring payments set up on the account. Also known as pre-authorized payments. 1.5% $ MonthlyYearly - MonthlyYearly - MonthlyYearly Miscellaneous & Everything Else All other card purchases not covered by categories added to the calculator 0.5% $ MonthlyYearly - MonthlyYearly - MonthlyYearly Category Spending Total The amount of rewards earned from card spending. $ 0 Cash Back - - - - Rewards & Bonuses If a card earns bonus points, miles, or cash back, it will be listed here. You'll be able to edit or toggle on/off most bonuses listed here. Do note that some bonuses may be automatically calculated based on spend entered in the Category Spending section. If you want to factor in an intro or welcome bonus, you can also do that here by entering it in the Extra Value field. You can click on View Offers when applicable to see current sign up bonuses for all top credit cards by category. Extra Value Use this field to add additional rewards to include in the calculation such as an intro or signup bonus. $ Cash Back Extra Value Use this field to add additional rewards to include in the calculation such as an intro or signup bonus. Extra Value Use this field to add additional rewards to include in the calculation such as an intro or signup bonus. Rewards & Bonus Total The amount of rewards earned from card bonuses. $ 0 Cash Back - - - - Total Rewards This is the total of all points, miles, and cash back earned between Loyalty/Memberships, Category Spending, and Reward Bonuses. $ 0 Cash Back - - - - Calculate Rewards Average Value Show How much is $0 Cash Back worth? How much is 0 worth? How much is 0 worth? Average Value This is how much we value the rewards earned with the card on average based on our valuations. Cards that may offer bonus/additional value are reflected here. 1c $ 0 - - Transfers To Partners Redemptions to do with transferring rewards to partner loyalty programs and redeeming them for high value (when applicable). These redemption values typically require knowledge of the best transfer partners. 1c $ 0 - - Cash Back, Statement Credits Redemptions to do with turning your rewards into cash back or using it as a statement credit to offset purchases made to the card. 1c $ 0 - - Travel Redemptions to do with using your rewards towards travel such as airfare, hotels, and car rentals (not including transfers to partners). 1c $ 0 - - Gift Cards Redemptions to do with using your rewards towards the purchase of gift cards. 1c $ 0 - - - Calculate Reward Transfers To Partners Show Cash Back cannot be transferred. Calculate Card Cash Value Show Grand Total The total amount of rewards earned from the Category Spending and Rewards & Bonuses sections. $ 0 Cash Back - - - - Currency Worth Enter how much you value a single rewards point or mile in cents or regional currency equivalent (X.XX). The value of cash back cannot be changed. ¢ $0.01 Rewards Cash Value The average cash value of rewards earned in the Grand Total section based on the set Currency Worth. $ 0 - - Monetary Bonuses This section lists all monetary bonuses. This includes annual credits and top-tier benefits that can offer great monetary value. If there's a perk or benefit missing that you find valuable, you can add how much you value it in the Extra Cash Value field. Extra Cash Value Use this field to add additional cash value to the calculations. $ Extra Cash Value Use this field to add additional cash value to the calculations. Extra Cash Value Use this field to add additional cash value to the calculations. Total Cash Value The total cash value of all listed benefits plus the cash value of rewards earned. $ 0 - - Fees With great benefits comes great annual fees. If a card has a fee that you have to pay annually (or monthly in rare cases), it will be listed here. You have the ability to change it. If the card charges a fee for adding authorized users, it will also appear in this section. Annual Fee This is the fee you must pay annually to have the card. $0 $ Authorized User Fee This is the cost to add additional users or supplemental cards to the account. Enter total amount of authorized users. No authorized user fee. # $ 0 # - # - Total Card Value This is the total cash value of each listed card when factoring in all rewards and all fees. $ 0 - - CREDIT CARD REWARDS TOOLS CREDIT CARD FINDER TOOL Input your monthly and yearly spend amounts into our tool to find out which 10 Canadian credit cards earn you the most rewards CREDIT CARD COMPARISON TOOL Calculate credit card rewards for Canadian cards based on your spend for a single card, multiple cards, or any combination of both side-by-side POINTS & MILES TRANSFER PARTNER CALCULATOR TOOL Calculate the transfer of points and miles for over 50 partner reward programs and get a list of the best cards in Canada to quickly earn rewards Back To All Canada Cash Back Credit Cards Earn 10% Cash Back Tangerine World Mastercard® Tangerine Money-Back Credit Card Earn $30 Shopping Online Rakuten Rewards Canada Rewards Program Calculators Travel Rewards Programs Cash Back Rewards Programs Airline Rewards Programs Hotel Rewards Programs Store & Retail Rewards Programs Popular Rewards Calculators TD Rewards Points Calculators RBC Rewards & RBC Avion Rewards Calculators Aeroplan Points Calculators Canadian Tire Money Calculators PC Optimum Points Calculators Credit Card Rewards Tools Credit Card Finder Business Credit Card Finder Credit Card Comparison Tool Rewards Transfer Calculator How Much We Value Points & Miles Points To Dollars Calculator EARN 10% CASH BACK WITH NO ANNUAL FEE Tangerine World Mastercard® Tangerine Money-Back Credit Card REWARDS PROGRAM CALCULATORS Travel Rewards Programs Cash Back Rewards Airline Rewards Programs Hotel Rewards Programs Store & Retail Rewards Programs POPULAR REWARDS CALCULATORS TD Rewards Points Calculators RBC Rewards & RBC Avion Rewards Calculators Aeroplan Points Calculators Canadian Tire Money Calculators PC Optimum Points Calculators CREDIT CARD REWARDS TOOLS Credit Card Finder Business Credit Card Finder Credit Card Comparison Tool Rewards Transfer Calculator How Much We Value Points & Miles Points To Dollars Calculator 🇺🇸 US 🇨🇦 CA 🇬🇧 UK 🇦🇺 AU Editorial Note: All opinions expressed on this site are my own and not those of any bank, rental car company, credit card issuer, hotel company, or any entity mentioned herein. Opinions, calculators, and other editorial content on this page have not been approved or endorsed by any entities on this site. Advertiser Disclosure: This website is an independent, advertising-supported comparison service. We have financial relationships with some of the products and services found on this site and may be compensated if you choose to use any of these links. Any card offers that appear on this site are from companies from which this website receives compensation. This website does not include all card companies or all card offers available in the marketplace. This website may use other proprietary factors to impact card offer listings on the website such as consumer selection or the likelihood of the applicant’s credit approval. About These Calculators: These calculators are provided to help you estimate the value of points and miles, the calculations of rewards earned with credit cards, and the transfer of rewards between programs. They are for illustrative purposes only. They are meant to provide estimates and may not reflect the exact amount of rewards you will receive. Be sure to read the terms and conditions of credit cards and rewards programs before applying/signing up as benefit and perk changes may not be reflected immediately on this website. About The Point Calculator • Private Policy • Advertising Policy -------------------------------------------------------------------------------- The Point Calculator is owned by RF3 LLC. This site is informational and meant to provide help in calculating points with various programs. The owner of this site is not a legal or tax professional and the statements and articles on this site are opinions of the owner and should not be relied upon for individual circumstances. 2022 The Point Calculator and its logo is copyrighted and owned by RF3 LLC. All Rights Reserved. Designated trademarks and brands are the property of their respective owners. x x