A better way to spend, save, and get rewarded

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A credit card that rewards your lifestyle

Earn instant cash rewards when you pay at the stores you love.
Earn with Neo

Savings at 



No minimum balance, no monthly or annual fees, and all the perks of an everyday bank account.
Save with Neo

Supercharge your rewards

Amp up your cashback with Neo's Plus and Ultra monthly plans. Easily switch plans in the app to suit your needs. You’re never locked in to an annual fee.

Get the most out of your money

No annual fees on the credit card or savings account

Real-time alerts that have your back

Support local businesses and get rewarded

Safety and security you can count on

Keep your money safe with state-of-the-art security.

Peace of mind

The Neo Savings account is provided by Concentra Bank, a CDIC member institution, and is eligible for CDIC deposit protection.

Friendly customer support

Find what you need in the app or reach out to receive help from our team.

Always in control

Freeze or replace your card, turn off online transactions, and more right from the app.

Get started in minutes

Easily open a credit or savings account in the app. Plus, you can explore all the rewards near you before you start. Give it a try. A more rewarding future awaits you.

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What is Neo and how is it different?

Neo is a Canadian tech company that reimagines the way people spend, save and earn rewards. We’re helping you make the most out of your time and money by building from the ground up using today’s technologies.

This means you can open an account within minutes on your phone, earn instant rewards from your favourite stores, and get real-time notifications when you spend and save, without the monthly or annual fees.

How does Neo work?

Neo offers a cashback credit card and a savings account, accessible through our app. To earn rewards, simply pay with your Neo credit card at a partnered store. The more you use your Neo card, the better the rewards get.

The Neo Savings account works like an everyday bank account. You're able to pay bills or deposit and withdraw funds - only you earn high-interest while you're at it. There are unlimited free transactions and no monthly or annual fees.

Who can use Neo?

You need to live in Canada, have a Canadian Photo ID and be the age of majority in your province to apply for Neo. The Neo Mastercard® accepts a range of credit scores.

Neo Savings is not available to Québec residents. Don't worry we're coming soon.

What is the cashback amount and how do the rewards work?

Each store’s cashback rewards vary according to category, so checking the Neo app will get you the most up-to-date information on what’s available.

When you pay with Neo at a partnered store, you can earn instant cashback on many of your first-time visits and multiple visits afterwards. Simply pay with your Neo Card and rewards are redeemed automatically.

Neo is partnered with thousands of local and national businesses, including most major gas and grocery stores, restaurants, gyms, coffee shops and more.

*Interest is calculated daily on the total closing balance and paid monthly. Rates are per annum and subject to change without notice.

Join Neo today

Explore the app and apply. A more rewarding future awaits.

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