NEO MASTERCARD®

Make each transaction a triumph

Earn cashback on everything.

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Neo Mastercard
Neo Mastercard® gives you the upper hand on rising costs by earning cashback rates that climb higher as you grow a healthy Everyday account balance
Up to $680 in annual cashback¹
No annual fee
Up to $10k credit limit
Cashback network boosts
Calculate your cashbackAdjust your desired Neo Everyday account balance and enter your monthly spend in each of the three categories to calculate your potential cashback.
Neo Mastercard®
Move the slider to explore how Everyday account balance affects rewards.Learn more
Gas
2.00%
Turn your essential spending into cashback no matter where you fill up.
$200
Groceries
2.00%
Turn your essential spending into cashback no matter where you shop for groceries.
$200
Everything else
0.50%
Get cashback on every purchase when you pay with your card.
$700
Your monthly cashback
$0.00
Neo Mastercard
Put your cashback on turboVisit any of our 10,000 partners and earn an additional average of 5% cashback on top of your everyday cashback.²
Hudsons Bay
Pet Valu
Harry Rosen
Best Western Hotels & Resorts
Mr. Lube
Roots
Pandora
Structube
David's Tea
Boston Pizza
Shell
Public Mobile
Freshii
Mucho Burrito

See how we stack up

Neo offers the most bang for every buck spent.³

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CardTotal cashback
Neo Mastercard$366/yr
Simplii Cashback Visa$156
Scotia Momentum Mastercard®$129
BMO Cash Back Mastercard$177
The cashback advantage
  • Instant. Earn it in real-time, instead of monthly.
  • Retains value. Points are often devalued. Cash is cash.
  • Ultimate flexibility. Save or spend it on anything you want.
  • Simple and transparent. No booking windows, portals, or branches.
The cashback advantage

Spend wisely with the credit card that gives more back to you.

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.
Protect your credit balance from the unexpected

Got questions?

We’ve got answers.

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. Minimum Neo Everyday account balance required to earn the highest rate. For more information, visit the Neo App. The Neo Rewards™ Program, including cashback, is operated by Neo.² Average based on current offers at select partners. Cashback may be limited and varies by perks, offer, and partner. Cashback, perks, insights, and other offers and rewards are operated by Neo.³ Based on annual spend of $19,800 and a comparison of the non-promotional gas and grocery earn rates on cashback credit cards as of July 17, 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 Rewards™ Program, including cashback, is operated by Neo.The Neo Everyday account is provided by Peoples Bank of Canada.Neo Mastercard® and Neo Secured Mastercard® are issued by Neo Financial™ pursuant to license by Mastercard International Incorporated.Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.* 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.