INSTANT ACCESS AND APPROVAL.
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Guaranteed approval*
Up to 15% at campus partners²
Annual fee
$0
Minimum income
None
Additional cardholder fee
$0
Purchase interest
19.99%-29.99%
MORE NEO MASTERCARD BENEFITS
Instant virtual card access
Start spending as soon as you’re approved with your virtual card.
Campus cashback
Get up to 15% across 1,000’s of campus partners². Access your cashback in real-time whenever you want.
Costco® exclusive
Mastercard is the exclusive credit card accepted at Costco warehouses across Canada.
Mastercard Offers
Access exclusive Mastercard offers from partners like H&R Block, FlexiRoam, Fubo & more.
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.
ONE CARD. TWO WAYS TO START.
Apply today and we'll find the right student card for you. Approval is guaranteed.⁶
Traditional Credit Card
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Annual Fee
$0
Minimum Income
None
Neo Mastercards come with a credit limit up to $10,000 and no annual fees.
Secured Credit Card
Monthly Fee
$9.99
Minimum Income
None
Neo Mastercard with a secured credit limit rewards you as you build your credit history.
Requires the Build membership for $9.99/month and refundable security funds⁵ to set your credit limit.
TAKE THE GUESSWORK OUT OF CREDIT BUILDING.
Unlock powerful tools to build your credit history and help increase your limit with the Build membership.
Personalized tools to help you build your credit score
View your score & track your progress in the Neo app
Unlock higher credit limits in as little as 3 months
Build membership is required for those with secured credit. Security funds are used to set your credit limit.
HAVE A QUESTION?
Here’s some common questions about the Neo Mastercard.