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Wealthsimple Credit Card
Wealthsimple's flagship credit card — no annual fee for qualifying clients, 2% cashback on everything, and 0% FX fees worldwide.
This credit card includes airport lounge access through participating lounge programs. Access eligibility, guest policies, and lounge availability vary by airport and may change over time. Credit card lounge access is not guaranteed and may be subject to capacity limits or restrictions. Learn how credit cards provide lounge access. In summary, lounge access depends on your card, the lounge network, and the specific airport. Learn more about airport lounges.
Last reviewed: . Card information is reviewed against the issuer's official benefit pages periodically; verify all terms on the issuer's site before applying.
The Good
- $0 annual fee for qualifying clients ($100k+ assets OR $4,000+/mo direct deposit)
- 2% unlimited cash back (no categories, no caps)
- 0% foreign transaction fees worldwide
- 6 lounge visits/year via Visa Airport Companion (Privilege tier)
- Metal card at $100k+ Wealthsimple assets
The Bad
- $240/year ($20/month) if you don't meet qualifying conditions
- Lounge access only on Privilege tier (not base Visa Infinite +)
- Requires Wealthsimple investment or chequing account relationship
- Quebec residents billed annually instead of monthly
Lounge Access
1 lounge network included
Guest Policy
Visa Airport Companion: 6 lounge visits per year (Visa Infinite Privilege tier only)
Purchase APR
19.99% Purchase / 22.99% Cash Advance
Credit Score
Good/Excellent (700+)
Is the annual fee worth it for you?
Set how often you would use a lounge and what one visit is worth to you. We compare that against this card's real Free annual fee. This counts lounge value only, not credits, points, or other perks.
Starting point is a typical day-pass or guest fee. Adjust to match the airports you use.
- Estimated lounge value
- CA$520/yr
- Annual fee
- Free
- Net for your usage
- +CA$520
This card has no annual fee, so every lounge visit is value gained. This card opens 339 lounges we track.
Estimate only, not financial advice. It uses values you enter and excludes statement credits, points, taxes, and guest fees. Lounge access and day-pass prices change; verify with the issuer and lounge before you rely on these numbers.
Limited Time Offer
No Annual Fee for Qualifying Clients
Offer Terms & Eligibility:
Sticker fee is $20/month ($240/yr Quebec). Waived with $100k+ Wealthsimple assets OR $4,000+/month direct deposit. First-year fee reduced to $220 under standard waiver offer.Lounge Networks
1 IncludedAdditional Travel Perks
Lounges Wealthsimple Credit Card Opens
339 lounges tracked across 172 airports, derived from this card's network coverage.
Showing top 12 airports by lounge count. 160 more airports also have at least one lounge this card opens.
Coverage is derived from the lounge networks listed on this card and the lounges AirportLounge.com tracks. Specific lounge access can change without notice; verify on the operator's app or site before you travel.
Popular Airports With Lounges
Visa Airport Companion lounges are available at hundreds of airports worldwide