‡ This is an estimate only. Actual cash back may vary depending on spending habits. † This offer applies to the Simplii Financial Cash Back Visa* Card. You can qualify for this offer if you apply and are approved for a new eligible card beginning February 2, 2026. This 20% cash back offer (applies an incremental 18.5% cashback to the 1.5% cash back already awarded) on eligible gas, groceries, drugstore purchases and pre-authorized payments and is available to new cardholders who apply and are approved for the Simplii Financial Cash Back Visa* Card beginning February 2, 2026. The 18.5% incremental cash back applies on eligible gas, groceries, drugstore purchases and pre-authorized payments made during your first 3 monthly statement periods beginning from your account open date or $500 in total gas, groceries, drugstore purchases and recurring transactions (up to $92.50 bonus cash back), whichever comes first. This offer will not result in any changes to the 1.5% cash back already earned on eligible gas, groceries, drugstore purchases and pre-authorized payments and those purchases will be included within the $15,000 annual spend limit that earns 1.5% cash back. This offer may be withdrawn or changed without prior notice at any time. Simplii Financial may, in its sole discretion, disqualify, limit or revoke this offer if you are believed to be abusing or manipulating it, or engaging in any suspicious or fraudulent activity. Simplii Financial may approve your application, but you are not eligible to receive this offer if you have opened or cancelled a Simplii Financial Cash Back Visa Card within the last 12 months. 1. Cash back is earned on net card purchases (purchases less returns) when your account is open and in good standing and not on cash advances, interest, fees, balance transfers, payments or Convenience Cheques. Cash back is calculated as follows: Earn 4% on the first $5,000 in net annual card purchases on restaurant, bar and coffee shop purchases, which currently include merchants classified as Eating Places and Restaurants; Drinking Places (Alcoholic Beverages) - Bars, Taverns, Nightclubs, Cocktail Lounges, and Discotheques; Fast Food Restaurants; or Caterers. Earn 1.5% on the first $15,000 in net annual card purchases on gas, grocery and drugstore purchases and pre-authorized payments. Gas, grocery and drugstore purchases currently include merchants classified as Service Stations (with or without Ancillary Services); Automated Fuel Dispensers; Grocery Stores and Supermarkets; Drugs, Drug Proprietaries, and Druggist's Sundries; or Drugstores and Pharmacies. Pre-authorized payments are payments made on a monthly or other regular basis, which are automatically billed by the merchant to your Account. Earn 0.5% on all other net annual card purchases, including those in the categories above when the $5,000 and $15,000 limits are exceeded. If a transaction could fit under more than one cash back category, you will be awarded the cash back of the higher category, subject to the $5,000 and $15,000 limits. Merchants are classified by the credit card network and the network may change the names of classifications or change the classification of merchants at any time. Simplii Financial is not responsible for merchant classification. The $5,000 and $15,000 limits will reset to zero after the day your December statement is issued. Your cash back is applied as an annual credit on the primary cardholder’s January statement. Changes to terms, conditions and eligible merchant categories may occur at any time without notice. We may cancel the cash back program on 60 days’ notice. Credit for returns made on your Account may result in a deduction of cash back at a higher earn rate, even though the return may relate to a purchase that earned cash back at a lower rate. 2. The Primary Cardholder may contact us to set, adjust or remove an Authorized User Spending Limit for each Authorized User. Refer to your Simplii Financial Credit Card Agreement for full details. 3. Subject to the Simplii Financial Refer a Friend Program terms and conditions (PDF, 130 KB). 4. "Purchase" means any Transaction other than a Cash Advance, Balance Transfer or Convenience Cheque. "Cash" means a Cash Advance, Balance Transfer and Convenience Cheque. Interest rates may change from time to time. 5. Simplii Financial Global Money Transfer Service rates apply. Must have a Simplii Financial chequing account, credit card, personal or secured line of credit to send a Simplii Financial Global Money Transfer. Most transfers are completed by the next business day; some require up to 3 business days to be completed. Only primary cardholders can use their eligible credit card account to pay for Simplii Financial Global Money Transfer™ service. 6. Simplii Financial does not charge interest on a Simplii Financial Global Money Transfer appearing on your statement if we receive full payment of the balance by the payment due date for that statement. 7. Insurance coverage included with your Simplii credit card is underwritten by Belair Insurance Company Inc. You may contact the insurer at 1 866 363-3338. in Canada and the U.S. or collect from elsewhere at 905 403-3338. or visit cibc.client.insure. To be eligible for this coverage, the item must be paid for in full using your Simplii Financial credit card. Certain coverages are “excess insurance” — all other sources of insurance and recovery must be exhausted before coverage is available. For more information regarding coverage eligibility requirements, benefits, limitations, and exclusions, review the Certificate of Insurance in your card package or visit www.simplii.com. Other conditions may also apply. 8. CIBC Travel Insurance is underwritten by Co-operators Life Insurance Company (accident and sickness benefits issued under Group Master Policy FC310041 issued to Canadian Imperial Bank of Commerce) and The Sovereign General Insurance Company (property and casualty benefits issued under an individual policy) and administered and distributed by Allianz Global Assistance, which is a registered business name of AZGA Service Canada Inc. and AZGA Insurance Agency Canada Ltd. Allianz Global Assistance provides emergency assistance and claims administration services in respect of all CIBC Travel Insurance. CIBC receives compensation from the insurer for the promotion of this insurance. How to file a complaint Co-operators Life Insurance Company 1920 College Avenue Regina, Saskatchewan S4P 1C4 1-800-454-8061 The Sovereign General Insurance Company 140 – 6700 Macleod Trail S. E. Calgary, Alberta T2H 0L3 1-800-510-0354 CIBC Travel Insurance is subject to eligibility conditions, limitations and exclusions (including pre-existing medical condition exclusions), which are contained in the Certificate of Insurance you receive following enrolment. Before applying, you can review a sample copy of the current Certificate of Insurance (CIBC Comprehensive Travel Insurance Plan) (PDF, 475 KB). You can also call CIBC Travel Insurance at 1-800-281-9109. Coverage will be voidable if you fail to disclose or misrepresent any material fact or circumstance affecting coverage. Trademarks: https://www.simplii.com/en/legal/trademarks.html