A Neo card for every kind of Canadian.
Borrow better and get rewarded. Neo makes it easy to choose a card that fits your life—not the other way around.
Neo Mastercard
Guaranteed approval¹
Minimum income
None
grocery²
gas²
Build your credit history, unlock more credit, and earn cashback.
Neo World Mastercard®
Annual fee
$0³
Minimum income
$50,000/year
grocery²
gas²
recurring payments²
everything else²
Plus purchase protection⁴
Reward your everyday purchases and skip the annual fees.
Neo World Elite® Mastercard
Annual fee
$125
Minimum income
$80,000/year
grocery²
gas²
recurring payments²
everything else²
Plus purchase protection⁴ and travel benefits
Everything you need from a top-tier card with no tradeoffs.
Instant virtual card
Start spending before your physical card arrives.
Build your credit history
Secured credit cards are available and all Neo cards report to both TransUnion® and Equifax.
Manage your card online
Freeze your card, check your PIN, and track spending.
Add an additional cardholder
Share access with a partner, family member, or anyone you trust⁵.
Auto-Pay
Set it and forget it with automatic payments.
Next-gen security
Real-time alerts, advanced fraud monitoring, and Mastercard Zero Liability⁶.
Start with a virtual card today
Skip the wait with an instant virtual card. Available with all of Neo’s credit cards.
Simplicity that doesn’t sacrifice security
Every Neo credit card comes with advanced technologies to protect your privacy and help prevent unauthorized purchases.
- Real-time alerts
Get notified when your card is used so you’ll never find a surprising purchase on your statement.
- Advanced fraud monitoring
Neo uses AI to monitor for unusual activity while keeping your personal data private.
- Mastercard Zero Liability
Help protect your card from purchases that you didn’t make⁶.
Get pre-approved in minutes
Check now without a hard credit check.