Cashback Credit Card
I recently got the Wealthsimple credit card. Every purchase earns 2% back with no categories to track, there's no FX fee even when I'm buying in another currency, and the cash back deposits straight into my account. It now comes in two tiers — the base Visa Infinite+, and the Visa Infinite Privilege, which is the one that actually unlocks lounge access once your income or assets qualify.
Key Benefits
Simple 2% cash back
Earn 2% back on all purchases. No categories, no caps, no complicated rewards programs.
Zero foreign exchange fees
Most cards charge up to 2.5% FX fees. We charge nothing. Perfect for travel and online shopping.
Premium travel benefits
The Visa Infinite Privilege tier adds 1,200+ airport lounge access, richer emergency medical insurance, trip cancellation, car rental insurance, and 24/7 concierge once your income or assets qualify.
Fees & Pricing
Annual fee waived with $100K+ assets or $4K+/month paycheque deposit. Otherwise $20/month. Interest: 20.99% purchases, 22.99% cash advances.