Our credit cards

A credit card should fit your life, not just your wallet. Choose a card that fits your goals best.

Neo CreditNeo Credit
Best for everyday spendingAnnual Fee: $0²Canada's favourite cashback credit card³.Features included
Credit limit up to $10,000
0.5% guaranteed minimum cashback⁴
Get approved instantly
Neo Secured CreditNeo Secured Credit
Best for building credit history¹Annual Fee: $0²Build your credit history¹ and earn instant cashback.Features included
Guaranteed approval⁵
Flexible credit limit from $50-$10,000
No hard credit check required⁶
Works best with a Neo Money™ accountSet up automated payments from your Neo Money™ account, and stop worrying about late payments.
Neo Credit
¹ When you make payments in full and on time each month.² For Quebec: Monthly Statements; No monthly or annual fees; 21-day grace period; Minimum payment is the higher of $10.00 or 5.0% of total statement balance; Purchase rate (19.99%-24.99%) and cash advance rate (22.99%-25.99%).³ As awarded on October 19, 2021 by votes cast in the RewardsCanada.ca Canada’s Choice awards.⁴ Top-up varies based on monthly spend and is limited to $50 per month.⁵ Conditions apply. Must 1. be the age of majority in your province or territory of residence; 2. be a Canadian resident; 3. provide security funds.⁶ Excluding Quebec residents.