Cards built to reward you
Put a winning hand in your wallet with credit cards designed to fit your life.
Neo World Elite® Mastercard5% Grocery¹
4% Recurring¹
3% Gas¹
1% Everything else¹
5% additional average cashback at our 10,000+ partners²
$80,000 personal, $150,000 household income required, 700+Annual Fee: $125Additional Card: $49⁵
Neo World Mastercard®2% Grocery¹
2% Recurring¹
2% Gas¹
0.5% Everything else¹
5% additional average cashback at our 10,000+ partners²
$50,000 personal, $80,000 household income required, 680+Annual Fee: $0Additional Card: $10⁵
Neo Mastercard1% Grocery¹
0% Recurring¹
1% Gas¹
0% Everything else¹
5% additional average cashback at our 10,000+ partners²
No income requirement, 670+Annual Fee: $0Additional Card: $10⁵GroceryThe best cashback rate in Canada* on the essentials that matter most.
GasFill up your rewards wallet every time you fill up your car.
Recurring PaymentsGet rewarded on subscriptions and payments you already make.
Everything elseVirtually every purchase pays you back.
Experience the power of cashback
Get cashback on key categories, and earn even more cashback with any of our 10,000 partners.Gas
Esso
-$78.50
Gas Category cashback -- 3%
$2.35
Price after cashback
-$76.15
You save
$2.35
Groceries
Sobeys
-$246.94
Grocery Category cashback -- 5%
$12.35
Price after cashback
-$234.59
You save
$12.35
Restaurants
The Keg
-$124.00
Everything Else cashback -- 1%
$1.24
Neo Partner cashback -- 8%
$9.92
Price after cashback
-$112.84
You save
$11.16
World-class cashback that banks won’t match
See how we stack up below³.
| Card | Estimated Everyday cashback value (annual) | Estimated Partner network cashback value (annual) | Total cashback value (annual) |
|---|---|---|---|
| Neo World Elite® Mastercard | $1,312 | $1,200 | $2,512 |
| BMO CashBack World Elite® Mastercard | $988 | $0 | $988 |
| Scotia Momentum Visa Infinite | $1,144 | $0 | $1,144 |
| TD Cashback Visa Infinite | $1,012 | $0 | $1,012 |
Why cashback?
- Instant reward
- No guessing about points value
- Spend it how you want
- Simple and transparent
Earning the trust of Canadians every day
4.8On the App Store®
1.3M+Customers
Awarded Canada's Fastest Growing Company, 2024 by The Globe and Mail
Canada's #1 rated financial app⁴
Get set up in minutes
Get a Neo credit card, open a free Neo Everyday account instantly, and earn boosted cashback levels.
¹ Cashback earn subject to monthly spend limit. After monthly spend limit is reached, subsequent purchases are not eligible for cashback. Spend limit resets monthly. For more information, visit the Neo app.² Average based on current offers at select partners. Cashback may be limited and varies by perks, offer, and partner. See the Neo Rewards™ Policy for additional terms and conditions.³ Based on annual spend of $53,196 and a comparison of the non-promotional gas and grocery earn rates on cashback credit cards as of September 30th, 2024. Research excludes welcome offers. Numbers rounded for simplicity. Minimum balance required in your Neo Everyday account to earn the highest rate. For more information, visit the Neo App. The Neo RewardsTM Program, including cashback, is operated by Neo.⁴ Based on research comparing and limited to: BMO, CIBC, KOHO, PC Financial, EQ, RBC, Scotiabank, Tangerine, TD Bank, Wealthsimple, and Simplii Financial app ratings in the App Store and Google Play. Research conducted by Neo Financial on December 12, 2023.⁵ An annual fee of $10 will be charged for each additional Neo Mastercard or additional Neo World Mastercard. An annual fee of $49 will be charged for each additional Neo World Elite Mastercard. Annual fees are non-refundable.
The account owner is solely responsible for all charges made by the additional cardholder. The account owner may remove the additional cardholder at any time. The additional cardholder shares the account owner’s credit limit. Additional cardholders must be the age of majority in their province. All cashback earned by the additional card is automatically added to the account owner’s Rewards Wallet. Transactions made by the additional cardholder only impact the account owner’s credit history. Refer to the Cardholder Agreement and Rewards Policy for full terms and conditions.* Cashback earn subject to monthly spend limit. After monthly spend limit is reached, subsequent purchases are not eligible for cashback. Spend limit resets monthly. Minimum Neo Everyday account balance required to earn the highest rate. For more information, visit the Neo app.
The account owner is solely responsible for all charges made by the additional cardholder. The account owner may remove the additional cardholder at any time. The additional cardholder shares the account owner’s credit limit. Additional cardholders must be the age of majority in their province. All cashback earned by the additional card is automatically added to the account owner’s Rewards Wallet. Transactions made by the additional cardholder only impact the account owner’s credit history. Refer to the Cardholder Agreement and Rewards Policy for full terms and conditions.* Cashback earn subject to monthly spend limit. After monthly spend limit is reached, subsequent purchases are not eligible for cashback. Spend limit resets monthly. Minimum Neo Everyday account balance required to earn the highest rate. For more information, visit the Neo app.