Make spending more rewarding
Earn up to5%on restaurants and bars²Eat, drink, be merry, and earn cashback at all of our food and beverage partners.
Earn up to3%on your favourite apps²Netflix, Disney+, Crave, Apple, Uber, Lyft, SkipTheDishes, DoorDash, UberEats.
Earn up to1%on gas and groceries³Save money on everyday essentials.
Earn0.5%on all other purchases⁴Earn a flat cashback rate on everything else when you pay with your Neo Credit card.
The smartest cashback credit card in your wallet
Start using instantlyThere’s no need to wait for your physical card to arrive. Add your virtual card to Apple Wallet or Google Pay, and start spending as soon as you’re approved.
Understand your spendingGet a bird’s-eye view of your spending habits with Neo Insights. See all your purchases in one place, track your average, and explore details by category.
Customize your rewardsUpgrade your rewards with perks, flexible monthly subscriptions that boost your cashback and unlock extra benefits for your account.
Keep your money secureFreeze and unfreeze your card in a single tap. Protect your account with Face ID, fingerprint lock, and two-factor authentication.
Rewards, your wayWith most rewards cards, you get what you’re given. With a Neo Credit card, you can change your rewards by adding flexible perks at any time.
We’ve got your credit history coveredNeo reports to both of Canada's major consumer credit bureaus, Equifax and TransUnion, giving you a more complete view of your credit history.
Protect your credit balance from the unexpectedBalance Protection is optional coverage that can help cover the minimum monthly payments of your outstanding credit card balance during tough times. Peace of mind starts from $1.39* per $100 of your average daily balance.
Got questions?
We’ve got answers.
Who can get a Neo Credit card?
You need to live in Canada, have a Canadian photo ID, and be the age of majority in your province to apply for the Neo Credit card. A range of credit scores are accepted.
What is the cashback amount and how do rewards work?
Earn up to 5% cashback³ at thousands of local and national Neo partners, including most major gas stations, grocery stores, restaurants, gyms, coffee shops, and more. Pay with your Neo Credit card to earn cashback rewards automatically.
What is the Purchase Credit Rate / APR?
The Purchase Credit Rate on the Neo Credit and Neo Secured Credit card is 19.99%-29.99% and the Cash Advance Rate is 22.99%-31.99%. For Quebec, the Purchase Credit Rate is 19.99%-24.99% and the Cash Advance Rate is 22.99%-25.99%. The standard rate on purchases and cash advances is dependent on our assessment of your credit application, credit profile, and your province. See your Cardholder Agreement and Disclosure Statement at time of application for your specific rate.
Do I have to pay fees?
There are no annual or monthly fees¹. We’re here to give you the most out of your money, so you keep the extra cash and do what you want with it.
What credit limits are available?
You can get up to a $10,000 credit limit if you’re approved for it. Credit limits are flexible and start as low as $500, subject to approval.
What are the benefits of reporting to both credit bureaus?
Reporting to both Equifax and TransUnion means lenders, employers, insurance companies, mobile phone companies, landlords, or anyone else who checks your credit score will have a more complete view of your credit profile and credit history. Depending on the lender, they pull information from one or both credit bureaus, so it's beneficial to have your Neo credit payments reported to both bureaus. With a more complete picture, you can better understand how to help build and maintain your credit score* and history.
How can I check my credit score?
You can easily check the progress of your credit score using TransUnion in the Neo app any time. To check your credit score using Equifax, you can check it directly through the Equifax website. Check our Help Centre article to learn more about our in-app features.
¹ 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%).² Cashback earn subject to minimum spend threshold. There may be monthly limits for boosted cashback. Terms and conditions apply. For more information, visit the Neo App.³ Based on the maximum $300 category spending per month. Cashback may be limited and varies by perks, offer, and partner. There may be monthly limits for boosted cashback offers. For more information, visit the Neo App.⁴ Cashback is earned on eligible purchases with the Premium plan. See the Neo Rewards™ Policy for details on earning cashback and other terms and conditions that apply. Cashback, perks, insights, and other offers and rewards are operated by Neo.⁵ The variable monthly premium is based on the statement amount owed at the end of your billing cycle and is calculated based on the average daily balance for every $100 in posted transactions throughout the billing cycle. The insurance premium rate is calculated as $1.39 per $100 average daily balance over the insured period.* Credit score monitoring is provided by TransUnion.