Illustration, not the actual card design.
Wealthsimple · Cash back
Wealthsimple Visa Infinite Privilege
Annual fee
$240
Market
Canada · CAD
What it's worth before you spend
Welcome bonus, plus perks you get no matter what, minus the fee. Everyday earning comes on top.
Every year
−$240
Costs $240 a year until your spending covers it.
Plus 21 benefits with no fixed dollar value, like Access Rewards Golf, Airport Priority Lanes and Parking and Booking.com Travel Credits. Their worth depends on how you use the card, so they're not counted above. See them all
Estimated as of Oct 10, 2026. Assumes you're approved, qualify for the offer and meet its spending requirement. Points valued at up to 1¢ each, which is our assumption. Before everyday spending.
Welcome offer
No welcome offer right now. Offers come and go; the rates below are what this card earns every day.
What it earns
Cash back, straight onto your statement.
| Where you spend | Earns | Back per $1 (est.) |
|---|---|---|
| Everything else | 2% back | 2¢ |
What else you get
Perks · 13
- Access Rewards Golf
Automatic Platinum status and Access points on every dollar spent on golf rounds
- Airport Priority Lanes and Parking
Priority security, parking and exclusive offers at select airports
Enroll first - Booking.com Travel Credits
Earn up to 8% (up to US$230) in Booking.com Travel Credits on qualifying accommodations
- Complimentary Concierge
Complimentary 24/7 concierge for travel, dining and gifts
Show all 13Show fewer
- GigSky Mobile Data
1 complimentary 15-day 10GB eSIM, 2 additional free 1GB plans annually and 30% off all plans
- No Foreign Transaction Fees
0% FX fee on purchases in foreign currencies
- OpenTable Prime-Time Reservations
Prime-time reservations at some of the top restaurants in select cities with OpenTable
- Toronto International Film Festival Perks
Presale tickets, priority lines and lounge access at the Toronto International Film Festival
- Visa Airport Companion
Access to over 1,200 airport lounges worldwide
- Visa Infinite Dining Series
Dining events with multi-course meals, drink pairings and experiences with chefs, sommeliers and mixologists
- Visa Infinite Luxury Hotels
Access to 900+ luxury hotels with upgrades, breakfast, late checkout, Wi-Fi and more, plus a $100 credit per stay
- Visa RSVP Rewards
Diamond status at 60+ Sandman, Sandman Signature and Sutton Place hotels: upgrades, early check-in and check-out, dining discounts
Enroll first - Wine Country Program
Complimentary tastings and tours plus discounts on wine at 60+ participating wineries in British Columbia and Ontario
Insurance · 8
- Emergency Medical Insurance
Emergency medical up to $2,000,000, first 14 consecutive days of a trip, under 65
- Trip Cancellation Insurance
Cancel or interrupt for a covered reason, up to $1,500 per person, $5,000 per trip
- Flight Delay Insurance
Up to $1,000 per person, $2,500 per occurrence, for delays, missed connections or denied boarding over 3 hours
- Delayed and Lost Baggage Insurance
Up to $1,000 for essentials if bags are delayed over 6 hours, up to $1,000 for lost bags, $1,250 combined
Show all 8Show fewer
- Rental Car Collision Damage Insurance
Damage or theft of a rental car, rentals up to 31 days, vehicle MSRP up to $65,000
- Mobile Device Insurance
Theft or damage to your phone, up to $1,000 per claim, $50 deductible, 2 claims per 12 months
- Purchase Protection
Loss, theft or damage to items bought with the card, 90 days from purchase, up to $1,000 per occurrence
- Extended Warranty
Doubles the manufacturer's warranty, up to 1 additional year
Got this card? We'll tell you when to use it.
PointsMaxxing checks the store you're standing in and picks the card in your wallet that earns the most there.
Fine print
Card details are checked against public sources. Issuers change fees, offers and earn rates without notice, and the issuer's terms are the only ones that count, so check them before you apply. Approval, welcome offers and bonus points are at the issuer's discretion and aren't guaranteed. The values above are estimates based on our own point valuations and on assumptions about approval and spending, not a forecast of what you'll receive. This is general information, not financial advice, and it doesn't say whether this card suits you. We're not affiliated with or endorsed by Wealthsimple. Card and program names belong to their owners.
Details last checked Oct 10, 2026.