Banking reimagined:

Giving you more from your time and money

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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 



Grow your money faster. No minimum balance, no annual fees and all the perks of a chequing account.
Save with Neo

Supercharge your rewards

Amp up your cashback everywhere you shop with our Plus and Max 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 our 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

We 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 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.

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. 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.

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

Join Neo today

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

Get started