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.

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 just like a regular chequing 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 transactions and no monthly fees.

You need to live in Canada, have a Canadian Photo ID and be the age of majority in your province to apply for Neo. We accept a range of credit scores. It’s best to do a soft check to see if you pre-qualify.

Start your application on our app by entering some basic info without it impacting your score. If you’re pre-qualified, you’ll be invited to apply for a Neo Card.

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 hundreds of local and national businesses, including most major gas and grocery stores, restaurants, gyms, coffee shops and more.