【2026.08 更新】 9.13 之前 使用推荐链接🔗 （或者填写推荐码 IBVGUG）开户 wealthsimple 并 申请信用卡，
- 开户 wealthsimple 并入金， 得 $25
- 申请信用卡，前 30 天内前 $10,000 消费 5% 返现
【2025.06.11 更新】今天 Wealthsimple 的 the end of banking 发布会中 也更新了一下此卡的变化：
- 在 Wealthsimple 有十万资产的 premium 用户 将获得金属卡
- tap 电子支付无上限
- 设置 auto pay，每月还账单省心
WS自家推出的新卡，看起来是一张不错的一卡流。适合不打算搞美卡但又需要境外消费无货转费的小伙伴。
亮点
- 几乎所有消费 2% 无上限返现
- 无货币转换费、无境外手续费
- 可设置 auto pay，省心
发卡银行： Wealthsimple
结算通道： Visa Infinite+
卡片种类：信用卡
年费： $240，每月$20，有条件免年费
无境外手续费、货币转换费
Premium 以上的客户免年费，普通用户每个月有 $2000 以上的 direct deposit 可免年费。
注意：魁北克居民按年收费，其他省份 按月收费
开卡奖励
无
申请门槛：个人年收入 8 万 或者 家庭年收入 15 万； 必须有 Wealthsimple Cash Account； 加拿大居民
申请 Wealthsimple 信用卡时，填写的不同收入对应获批的不同信用：
| Requirement (meet at least one) | Visa Infinite 1% (beta) | Visa Infinite + | Visa Infinite Privilege |
|---|---|---|---|
| Personal income | $60,000+ | $80,000+ | $150,000+ |
| Household income | $100,000+ | $150,000+ | $200,000+ |
| Total savings and investments | $250,000+ | $300,000+ | $400,000+ |
| Annual credit card spend | $15,000+ | $25,000+ | $50,000+ |
日常消费
2%：所有消费，cash like transaction除外
福利 & 保险
2026.05 从 Visa Infinite 变成 Visa Infinite+ 新增了免费国际数据漫游
2025.09 增加了旅行相关的保险，较为基本，且魁北克基本不使用。
- Complimentary Gigsky mobile data plan
每年 15 天内 1 GB 免费漫游流量， 外加 15 天内 10 GB 漫游流量
延伸阅读： GigSky 是什么? 信用卡神福利: 免费全球 eSIM 漫游详解
- Out of province/country emergency medical insurance
This insurance covers you and your family for up to $1,000,000 in emergency medical expenses while travelling outside your home province or country.
Summary of insurance details:
Coverage: Up to $1,000,000 for emergency medical treatment.
Eligibility: Cardholders under age 65 only.
Coverage duration: You’re covered for the first 14 consecutive days of your trip.
Benefits Include:
Hospital and medical expenses
Emergency dental expenses (up to $2,000 for an accident, $200 for pain)
Emergency air transportation/evacuation
Return of deceased (up to $5,000)
Additional hotel and meal expenses (up to $150/day, maximum $1,500)
- Trip cancellation/trip interruption insurance
If you need to cancel or interrupt your trip due to a covered reason, you may be reimbursed for up to $1,000 per person, with a maximum of $3,000 per trip
Summary of insurance details:
Coverage: Up to $1,000 per person (maximum $3,000 per trip).
Eligibility: The full cost of the trip must be charged to your card.
Covered interruption or cancellation reasons:
Illness or injury
Jury duty
Natural disaster
Travel advisories
Other reasons may be eligible for coverage
- Delayed & lost baggage insurance
This insurance can cover you for emergency purchases if your baggage is delayed for more than 6 hours. It can also cover lost or damaged baggage.
Summary of insurance details:
Coverage:
Delayed baggage: Up to $500 for emergency purchases
Lost/damaged baggage: Up to $750
Maximum combined coverage: $1,000
Eligibility: The full cost of an airline ticket must be charged to your card.
Coverage duration: You must make your emergency purchases within 96 hours for delays over 6 hours.
原来就有的 购物相关保险
- Purchase security & extended warranty
Purchase security protects new items you buy with your credit card against loss, theft, or damage for 90 days. The extended warranty doubles the manufacturer’s warranty up to an additional year.
Summary of insurance details
Purchase security: Protects new items against loss, theft, or damage for 90 days.
Extended warranty: Doubles the manufacturer’s warranty up to 1 additional year.
Coverage:
Per occurrence: Up to $1,000
Total limit: $10,000 maximum per cardholder
- Mobile phone insurance
When you pay your monthly phone bill with your credit card, you’re protected against theft or damage to your mobile phone. You’re covered for up to $1,000 per claim, with a $50 deductible.
Summary of insurance details
Coverage: Up to $1,000 per claim (with $50 deductible).
Limit: Maximum 2 claims per 12-month period.
Eligibility: You must pay your monthly phone bill with your card.
值得注意的点
- 此卡没有副卡
- 只能通过 WS Cash Account 付这张卡的账单
- 实体卡 tap 单次上限是 $250， 电子钱包 tap 单次上限 无。 当然也取决于商家的设置
- Cashback 会在账单后的 7 天内自动打到 cash account
