Get $25 when you're approved for a Neo Mastercard.*
Neo Mastercard
INSTANT ACCESS. NO ANNUAL FEE.
Special Offer
Up to 15% cashback¹ with thousands of Neo partners
Guaranteed, instant approval² with no annual fee
See if you qualify first—no hard credit check, no impact to your credit score†
You can be eligible for higher credit limits in as little as 3 months
Annual fee
$0
Minimum income
None
Additional cardholder fee
$0
Purchase interest
19.99%-29.99%
Find the right Neo card for you with no hard credit check
You may have more options than you think. See what’s available to you first‡.
Start with your details
1
Even if you began on a specific Neo credit card page, the information you provide may show that other Neo credit cards are available to you.
Review your options
2
We’ll show you Neo credit cards you may be eligible for based on the details you provide. This is a pre-qualification step only—it is not an application and will not impact your credit score.
Choose and apply
3
Select the card that best suits you. A hard credit check and formal terms and conditions apply only if you choose to continue with an application.
MORE NEO MASTERCARD BENEFITS
Schedule card payments
Set up auto-pay so you never miss a monthly payment.
Costco® exclusive
Mastercard is the exclusive credit card accepted at Costco warehouses across Canada.
Mastercard Zero Liability³
Help protect your card from purchases you didn’t make.
Instant virtual card access
Start spending as soon as you’re approved with your virtual card.
Financial insights
Get a live, personalized view of your spending.
Canada’s best secured card⁴
If you're building credit, you may receive an offer for a secured Neo Mastercard.
Simplicity that doesn’t sacrifice security
Every Neo Mastercard 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.
- App Controls
Lock your card instantly from the app if you lose your card or suspect any unusual behaviour.
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Interested in more options?
Explore other cashback credit cards.
Secured Neo Mastercard
Monthly Fee
$9.99
Minimum Income
None
Cashback at our thousands of Neo partners²
Best for those looking to build or establish their credit history. Guaranteed approval⁶ to get started.
Neo World Mastercard®
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Annual Fee
$0
Personal minimum income
$50,000/year
Household minimum income
$80,000/year
2%
Grocery¹
2%
Gas¹
2%
Recurring payments¹
0.5%
Everything else¹
Cashback at our thousands of Neo partners²
HAVE A QUESTION?
Here’s some common questions about the Neo Mastercard.