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
$0
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.
ONE CARD. TWO WAYS TO START.
Apply today and we'll find the right card for you. Approval is guaranteed.⁶
Traditional Credit Card
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
$7.99
Minimum Income
None
Neo Mastercard with a secured credit limit rewards you as you build your credit history.
Requires the Build membership for $7.99/month and refundable security funds⁵ to set your credit limit.
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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HAVE A QUESTION?
Here’s some common questions about the Neo Mastercard.