INSTANT ACCESS. NO ANNUAL FEE.
Get instant access to credit and cashback on your everyday essentials.
1% cashback on gas and grocery¹
Up to 15% with Neo partners²
Annual fee
$0
Minimum income
None
Additional cardholder fee
$10
Purchase interest
19.99% - 29.99%
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
$7.99
Minimum Income
None
Grocery¹
Gas¹
Cashback at our 10,000+ partners²
Best for those looking to build or establish their credit history. Guaranteed approval⁶ to get started.
Neo World Mastercard®
Annual Fee
$0
Personal minimum income
$50,000/year
Household minimum income
$80,000/year
Grocery¹
Gas¹
Recurring payments¹
Everything else¹
Cashback at our 10,000+ partners²
HAVE A QUESTION?
Here’s some common questions about the Neo Mastercard.