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Wealthsimple Credit Card
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WealthsimpleCanada

Wealthsimple Credit Card

Annual Fee
CA$240/ year

Canada's premium fintech credit card — 2% cashback on everything, 0% FX, 6 lounge visits/year via Visa Airport Companion on the Privilege tier.

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

  • 2% unlimited cash back (highest flat rate in Canada)
  • 0% FX fees worldwide
  • 6 lounge visits/year via Visa Airport Companion
  • Annual fee waivable with $100k+ assets or $4k/mo deposits
  • Metal card at $100k+ tier

The Bad

  • Privilege tier requires Visa Infinite Privilege eligibility
  • Lounge access only on Privilege tier (not base Visa Infinite)
  • Requires Wealthsimple investment account relationship
  • Quebec residents billed annually

Lounge Access

1 lounge network included

Guest Policy

Visa Airport Companion: 6 visits per year (Privilege tier only)

Purchase APR

19.99% Purchase / 22.99% Cash Advance

Credit Score

Good/Excellent (700+)

Limited Time Offer

2% Cashback + 6 Lounge Visits/Year

Offer Terms & Eligibility:

Fee waivable with $100k+ Wealthsimple assets or $4k+/month direct deposit.

Lounge Networks

1 Included
Visa Airport Companion
Included

Additional Travel Perks

2% Cash Back on Every Purchase (no caps, no categories)
0% Foreign Transaction Fees Worldwide
6 Airport Lounge Visits/Year (Visa Infinite Privilege tier)
Visa Airport Companion: 1,200+ Lounges Worldwide
Metal Card at $100k+ Wealthsimple Assets
Comprehensive Travel Insurance (delay, baggage, medical)
Mobile Device Insurance up to $1,000
Annual Fee Waivable: $100k+ assets OR $4k+/month direct deposit

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

*Card information is accurate as of 2026. Annual fees and benefits are subject to change by the issuer. Please verify all terms and conditions on the issuer's website before applying.

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