Earn extra cash back at partner merchants with Credit Card Partner Cash back

Overview

With Credit Card Partner Cash back, you can earn additional cash back on top of your standard 2% when you shop at participating partner merchants, whether you're paying in-store or online (parnter dependent).

Who's eligible: This is available to Wealthsimple Visa Infinite* credit card holders on the 2% cash back rate. It isn't available to 1% cash back cardholders yet. See who's eligible.

How it works: You activate an offer for a specific partner in the Wealthsimple app before you shop there. Once it's activated, eligible purchases automatically earn the additional cash back rate, no special link or code needed. Learn how to activate an offer.

Your additional cash back: Each partner has its own cash back rate, on top of your standard 2%. See the full partner list and rates.

Frequently asked questions

Terms and conditions

Wealthsimple Credit Card Partner Cash Back (the "Promotion")

This Promotion is offered by Wealthsimple Payments Inc., issuer of the Wealthsimple Visa Infinite^*, Visa Infinite +*, or Visa Infinite Privilege* credit cards (together with its affiliates, "Wealthsimple").

Promotion Period. From October 1, 2026 at 12:01 a.m. ET until the end dates for each individual partner, as set out in the Partner Offer table below.

Eligibility. To participate in the Promotion, a person must, at the time of offer activation and when each Qualifying Transaction is made:

• hold a Wealthsimple Visa Infinite, Visa Infinite +, or Visa Infinite Privilege credit card on the 2% cash back rate° (the "Credit Card"), in good standing;
• be a legal resident of Canada, including Quebec;
• be the age of majority, or older, in their province or territory of residence;

(the "Client"). 1% cash back credit cardholders are not eligible to participate at this time.

Activation. A Client must activate a specific partner's offer in the Wealthsimple app before making a Qualifying Transaction at that partner. Purchases made before offer activation are not eligible for additional cash back and will only earn the Client's standard cash back rate. Offer activation will not be applied retroactively. Once activated, the additional cash back will remain active for the applicable Promotion Period, unless withdrawn or terminated earlier by Wealthsimple in its sole discretion.

Qualifying Transactions. "Qualifying Transactions" are purchases (excluding cash-like transactions, gift card purchases, refunds, and any applicable fees and adjustments) that: (a) are made with the Credit Card at a partner after the Client has activated that partner's offer and during the Promotion Period; (b) post and settle on the Credit Card account; and (c) are not subsequently refunded, returned, or charged back.

Partner Offer. Each partner's additional cash back rate and applicable Promotion Period are as follows:

Wealthsimple may add, remove, or modify partners, additional cash back rates, and the Promotion period at its sole discretion, without notice. The additional cash back is funded by the partner, which may have its own terms and conditions governing the additional cash back, including exclusions, restrictions or limitations (each "Partner Terms"). If applicable, Partner Terms will be available in the Wealthsimple app and on the Promotion Help Centre page, and Clients should review the relevant Partner Terms prior to making a purchase.

Application of Additional Cash Back. Once the Qualifying Transaction is complete, additional cash back calculated on the after-tax value of the Qualifying Transaction will be applied automatically and paid to the Client at the time of transaction settlement, provided that an offer was activated in the Wealthsimple app.

Cash Back Redemption. Additional cash back earned under this Promotion can be redeemed as soon as the Qualifying Transaction is settled for up to ten (10) years. Additional cash back can be redeemed directly in the Wealthsimple app and can only be deposited into the Client's Wealthsimple chequing, TFSA, RRSP, or non-registered accounts. Joint accounts, RESPs, LIRAs, RIFs, Registered Save, group/employer and private investment accounts are not eligible for cash back redemption. There is no minimum amount required to redeem. If a refund is processed after additional cash back is redeemed, the refunded amount will be deducted from the Client's total cash back rewards balance.

Currency. Additional cash back is earned in Canadian dollars. For Qualifying Transactions made in a currency other than Canadian dollars, additional cash back is calculated on the Canadian dollar equivalent, using the exchange rate applied by Visa at the time the Qualifying Transaction is processed.

Returns and Refunds. If you return a purchase, the cash back earned on that purchase is reversed based on the refund amount. Chargebacks and adjustments to a transaction will likewise proportionately reduce or cancel the additional cash back earned on it.

Combinability. This Promotion may be combined with other active Wealthsimple offers, subject to the terms and conditions of each such offer. Clients should review the terms of any other promotion they are enrolled in to confirm combinability with this Promotion.

Tax Implications. There may be tax implications associated with the additional cash back. Please consult an accountant or tax professional for guidance. Wealthsimple will not issue a tax slip for value derived from the additional cash back. Clients are solely responsible for any required tax reporting.

Release. By participating in the Promotion, the Client assumes all risk of injury, illness, disease, death, or any other damage which may arise in connection with their participation. Without limiting the foregoing, the Client (a) forever releases and discharges Wealthsimple and its parent companies, subsidiaries, affiliates, related and associated entities, and employees, directors, officers, suppliers, agents, sponsors, and administrators of each (collectively, the "Releasees") from any and all claims, actions, costs, liabilities, judgments, damages, obligations, losses, penalties, and expenses of any kind (including legal fees) arising directly or indirectly out of any injury, loss, or damage the Client may suffer in connection with participation in the Promotion or any Promotion-related activity, including the posting of the additional cash back to their Credit Card and subsequent use of its value; and (b) indemnifies, defends, and holds harmless the Releasees from any and all damages, loss, and expenses, including legal fees, suffered directly or indirectly by reason of the Client's own negligence or willful misconduct in connection with their participation.

General. Wealthsimple reserves the right to cancel, amend, withdraw, or restrict this Promotion, or any individual Partner Offer within it, at any time without notice. Wealthsimple is the sole arbiter of these terms and any issue arising under the Promotion. If Wealthsimple suspects fraudulent or abusive behaviour, gaming of the system, or a violation of these terms, as determined in its sole and absolute discretion, Wealthsimple reserves the right to remove the additional cash back and take any other action it deems appropriate, including closing the Client's Wealthsimple account(s). All other terms and conditions associated with the Credit Card apply, as do the standard terms (https://www.wealthsimple.com/en-ca/legal/terms). In the event of any discrepancy between these terms and any related materials, these terms shall govern.

^The Wealthsimple Visa Infinite* Credit Card, Wealthsimple Visa Infinite+* Credit Card and Wealthsimple Visa Infinite Privilege* Credit Card are issued under license by Wealthsimple Payments Inc.

°The 2% earn rate applies to purchases, excluding cash-like transactions, refunds, any applicable fees and adjustments. See Terms and Conditions for full details.

* Trademark of Visa Int., used under license.