Shop Apple products with the Wealthsimple Apple Marketplace

Overview

The Wealthsimple Apple Marketplace lets you buy a curated selection of Apple products right in the Wealthsimple app with your Wealthsimple Visa Infinite*, Visa Infinite +*, or Visa Infinite Privilege* credit card.

When you shop the Apple Marketplace, you'll earn 5% cash back on the amount charged to your credit card, no matter which cashback rate your card normally earns. You can also use your available Cashback to cover as much or as little of your order as you like.

The Apple Marketplace is available starting November 12, 2026.

How to shop the Apple Marketplace

Follow these steps to browse and buy Apple products:

1. Log in to the Wealthsimple app
2. Select your credit card account
3. Tap the Apple Marketplace banner. You can also find it on your Cashback page.
4. Choose a category, such as iPhone, iPad, Mac, Apple Watch, or AirPods
5. Select a product and choose from the available options, such as colour or size
6. Tap Continue
7. Confirm your shipping address, or change it if you need to, and review the summary of the item you've selected, including any applicable sales tax
8. Tap Continue to Payment, then use the slider to choose how much Cashback to apply
9. Tap Buy Now

Once your order is placed, you'll see an order confirmation screen and receive a confirmation email from Wealthsimple.

Paying with Cashback and your credit card

You can pay for your order with any combination of your available Cashback and a charge to your Wealthsimple Visa Infinite*, Visa Infinite +*, or Visa Infinite Privilege* credit card.

At checkout, use the slider to choose how much Cashback to apply. There's no minimum, so you can apply anywhere from 0% to 100% of your order total, including sales tax. Whatever's left is charged to your credit card.

Earning 5% cash back

You'll earn 5% cash back ("Enhanced Cashback") on the portion of your order that's charged to your credit card. You won't earn cash back on the portion you pay with Cashback.

Enhanced Cashback replaces your card's standard cashback rate on Apple Marketplace purchases. It isn't added on top. For example, if your card normally earns 1% or 2%, you'll earn 5% in total on Apple Marketplace purchases. If you have an active welcome, referral, or deposit cashback boost, you'll also earn that boost on top of your 5%, subject to its terms and limits.

Enhanced Cashback is added to your Cashback balance automatically when the purchase settles on your credit card account, just like cash back on your other purchases. The 5% rate may change at any time.

Taxes

Sales tax is based on your order's shipping address. The rate depends on the province or territory the item is shipped to and may include GST, HST, PST, or QST.

By default, sales tax is calculated using the address on file for your Wealthsimple account. If you enter a different shipping address at checkout, your tax amount may change to reflect the rate for that location.

Before you place your order, you'll see a breakdown of the subtotal, sales tax, and order total on the order review page. You'll also find this breakdown in your emailed order confirmation.

Shipping and delivery

Shipping is free, and all products are shipped and serviced by Apple Canada. Products must be shipped to a physical Canadian mailing address and can't be delivered to a P.O. box.

Your order typically ships within 10 business days and arrives within 2–3 business days after it ships. You'll receive your order confirmation by email, and we'll email you a tracking number as soon as your order ships. You'll also see delivery updates in the Wealthsimple app. Delivery times are estimates and aren't guaranteed.

Gifting a product

You can ship a product to someone else as a gift. During checkout, enter the recipient's address in the delivery field. Sales tax for gifted items is based on the recipient's shipping address.

Missing a delivery

If you know you'll be away, you can enter an alternative delivery address at checkout. Make sure the address is correct and complete, since Wealthsimple isn't responsible for products that can't be delivered because of an incorrect address.

Returns, damaged items, and warranty

All sales are final

All Apple Marketplace purchases are final sale. Once your order is placed, it can't be cancelled, returned, exchanged, or refunded, even before it ships. This applies to both the Cashback and credit card portions of your purchase, as well as any sales tax paid.

Damaged or defective products

If your item is damaged on arrival, report the damage to Apple within 14 days of delivery. If they can't resolve it, ask for a Dead-on-Arrival (DOA) case number and share it with Wealthsimple support. Once we confirm the DOA case, we'll either credit you or order you a replacement.

Warranty

Apple products include a one-year manufacturer warranty. You can buy AppleCare directly from Apple after your purchase.

Frequently asked questions

About the Apple Marketplace

Paying for your order

Earning cash back

Orders, returns, and protection

Terms and conditions

Wealthsimple Apple Marketplace (the "Apple Marketplace")

The Apple Marketplace is offered by Wealthsimple Payments Inc., issuer of the Wealthsimple Visa Infinite^*, Visa Infinite +*, and Visa Infinite Privilege* credit cards (together with its affiliates, "Wealthsimple"). These terms and conditions (the "Terms") apply to all purchases made through the Apple Marketplace in the Wealthsimple app.

1. Availability

The Apple Marketplace is available starting November 12, 2026 and is ongoing, with no set end date. The Apple Marketplace will remain available until withdrawn or terminated by Wealthsimple in its sole discretion.

2. Eligibility

To make a purchase through the Apple Marketplace, a person must, at the time the order is placed:

• hold a Wealthsimple Visa Infinite, Visa Infinite +, or Visa Infinite Privilege credit card (the "Credit Card") in good standing, on any cashback rate (including the 1% and 2% cashback rates);
• be a legal resident of Canada, including Quebec; and
• be the age of majority or older in their province or territory of residence

(the "Client"). Prepaid cards, non-Wealthsimple payment cards, and transfers from Wealthsimple chequing or other accounts cannot be used to pay for Apple Marketplace purchases.

3. Products

Approximately thirty (30) products with fixed specifications (each, a "Product") are offered via the Apple Marketplace. Some Products may be available in a limited choice of colours or sizes, as displayed in the Apple Marketplace. Products cannot be customized beyond the options displayed. Accessories, Apple services, trade-ins, and AppleCare are not available through the Apple Marketplace.

Product availability is subject to inventory. If a Product is out of stock, it will not be available for purchase. Wealthsimple may add, remove, or modify Products, specifications, and prices at any time without notice. Prices are shown in Canadian dollars at full retail price. There is no limit on the number of Products a Client may purchase.

Apple products are no longer available through the Wealthsimple merchant rewards redemption storefront, where Clients can redeem their Cashback for discounted merchandise, and can be purchased only through the Wealthsimple Apple Marketplace.

4. Payment

Clients can pay for an Apple Marketplace order using any combination of:

• their available cashback balance earned on the Credit Card ("Cashback"); and
• a charge to their Credit Card.

Clients choose how much Cashback to apply at checkout. There is no minimum amount of Cashback required. Clients may apply any amount of Cashback, from zero percent (0%) up to one hundred percent (100%) of the order total, including applicable sales tax, provided they have sufficient Cashback available. Any remaining order total is charged to the Credit Card.

The Client must have enough available credit on the Credit Card to cover the amount charged. The amount charged to the Credit Card is treated as a regular purchase and is subject to the Credit Card's standard purchase interest rate if the balance is not paid in full by the payment due date. There is no fee to use Cashback or to split payment between Cashback and the Credit Card.

The charge will appear on the Client's Credit Card statement as "WS Apple Marketplace".

5. Enhanced Cashback

Clients will earn 5% cashback ("Enhanced Cashback") on the portion of an Apple Marketplace order charged to the Credit Card (a "Qualifying Purchase"). The Enhanced Cashback rate applies to all eligible Clients, regardless of the standard Cashback rate on their Credit Card.

Enhanced Cashback is not earned on any portion of an order paid with Cashback. Enhanced Cashback is calculated on the total amount of the Qualifying Purchase, including applicable sales tax, in the same way as Cashback on other Credit Card purchases.

Example: A Product costs $1,000.00 and ships to an address in Ontario, where HST is 13%. The order total is $1,130.00. If the Client applies $130.00 of Cashback, the remaining $1,000.00 is charged to the Credit Card, and the Client earns $50.00 in Enhanced Cashback (5% of $1,000.00). No Enhanced Cashback is earned on the $130.00 paid with Cashback. If the Client pays the full $1,130.00 with Cashback, no Enhanced Cashback is earned.

Enhanced Cashback replaces, and is not in addition to, the standard Cashback rate on the Qualifying Purchase. The 5% Enhanced Cashback rate is the total cashback rate on the Qualifying Purchase. For example, a Client whose Credit Card normally earns 2% cashback earns 5% in total on a Qualifying Purchase, not 7%.

Enhanced Cashback will be applied automatically and paid to the Client at the time the Qualifying Purchase settles on the Credit Card account, consistent with Cashback earned on other Credit Card purchases. No hold period applies. Wealthsimple may change the Enhanced Cashback rate at any time without notice.

6. Cashback Redemption

Enhanced Cashback earned under these Terms can be redeemed in the same way as other Cashback, subject to the Credit Card rewards terms and conditions (https://www.wealthsimple.com/en-ca/credit-card/rewards-terms-conditions).

7. Sales Tax

Applicable sales tax (GST, HST, PST, or QST) is added to each order based on the shipping address entered at checkout. By default, the address on file for the Client's Wealthsimple account is used. If the Client enters a different shipping address, the sales tax will be recalculated based on the rate for that province or territory. A breakdown of the subtotal, sales tax, and order total is shown on the order review page before the order is placed and in the order confirmation email.

8. Shipping and Delivery

Products must be shipped to a physical mailing address in Canada. Products cannot be shipped to P.O. boxes. Products are shipped and serviced by Apple Canada. Orders typically ship within ten (10) business days of the order being placed and are estimated to arrive within two (2) to three (3) business days after shipping. Delivery times are estimates only and are not guaranteed. Signature requirements depend on the carrier.

There are no shipping costs for Apple Marketplace orders.

Clients will receive an order confirmation, tracking information, and delivery updates by email and in the Wealthsimple app. Clients may ship a Product to another person as a gift by entering the recipient's address at checkout; sales tax will be based on the recipient's address.

Risk of loss passes to the Client upon delivery to the shipping address provided. Wealthsimple is not responsible for Products that cannot be delivered because of an incorrect or incomplete address provided by the Client.

9. All Sales Final

All Apple Marketplace purchases are final sale. Once an order is placed, it cannot be cancelled, returned, exchanged, or refunded, and no exceptions will be made. This applies to the Cashback and Credit Card portions of the purchase, as well as any sales tax paid. Products are non-transferable and have no cash surrender value. There is no cancellation period; orders cannot be cancelled at any time after they are placed, including before they are shipped.

10. Damaged or Defective Products

If a Product arrives damaged or does not work on arrival, the Client must report it to Apple within fourteen (14) days of delivery. If Apple cannot resolve the issue, the Client should request a Dead-on-Arrival (DOA) case number from Apple and share it with Wealthsimple support. Once Wealthsimple confirms the DOA case, Wealthsimple will either credit the Client or order a replacement Product.

11. Warranty and Device Protection

Products include Apple's one-year limited manufacturer warranty. Warranty service is provided by Apple, and Wealthsimple does not provide any warranty for Products. Clients can purchase AppleCare directly from Apple after their purchase.

Eligible Products purchased with the Credit Card may be covered under the purchase security, extended warranty, and mobile device insurance benefits included with the Credit Card, subject to the terms, conditions, and limitations of those benefits. Where coverage applies, it extends to the full retail price of the eligible Product, including any portion paid with Cashback.

12. Combinability

Enhanced Cashback may be combined with any active welcome, referral, or deposit Cashback boost on the Client's Credit Card account, subject to the terms, conditions, and limits of that boost. Apple Marketplace purchases are not eligible for additional Cashback under the Credit Card Partner Cashback program or other merchant Cashback offers, unless the terms of that offer say otherwise. Wealthsimple may change how or if Enhanced Cashback combines with other Cashback offers at any time.

13. Tax Implications

There may be tax implications associated with Enhanced Cashback. Clients should consult an accountant or tax professional for guidance. Wealthsimple will not issue a tax slip for Enhanced Cashback. Clients are solely responsible for any required tax reporting.

14. Release

By making a purchase through the Apple Marketplace, the Client assumes all risk of injury, loss, or damage that may arise in connection with their purchase or use of a Product. Without limiting the foregoing, the Client (a) releases and discharges Wealthsimple and its parent companies, subsidiaries, affiliates, related and associated entities, and their employees, directors, officers, suppliers, agents, and administrators (the "Releasees") from all claims, actions, costs, liabilities, damages, losses, and expenses of any kind (including legal fees) arising directly or indirectly from the Client's use of the Apple Marketplace, the purchase, delivery, or use of any Product, or the posting and use of Enhanced Cashback; and (b) indemnifies and holds harmless the Releasees from any damages, losses, and expenses, including legal fees, suffered by reason of the Client's own negligence or willful misconduct.

15. General

All Products are produced, shipped and serviced by Apple Canada. Wealthsimple is not affiliated with Apple Inc.

Wealthsimple reserves the right to cancel, amend, suspend, or withdraw the Apple Marketplace, any Product, or these Terms at any time without notice. Wealthsimple is the sole arbiter of these Terms and any issue arising under them. If Wealthsimple suspects fraudulent or abusive behaviour, including purchasing for resale, gaming of the system, or a violation of these Terms, as determined in its sole and absolute discretion, Wealthsimple may cancel orders, remove Enhanced Cashback, 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 Wealthsimple's standard terms (https://www.wealthsimple.com/en-ca/legal/terms). If there is any discrepancy between these Terms and any related materials, these Terms 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.

Apple, iPhone, iPad, MacBook, Apple Watch, AirPods, and AppleCare are trademarks of Apple Inc.

* Trademark of Visa Int., used under license.

Product-specific legal notes

The product-specific legal notes provided by Apple form part of these Terms and are available on the Product specific page at Apple.com