No credit score required
Get instant access to credit and cashback on your everyday essentials.
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Guaranteed approval*
1% cashback on gas and grocery¹
Up to 15% at campus partners²
Annual fee
$0
Minimum income
None
Additional cardholder fee
$0
Purchase interest
19.99%-29.99%
Built for students.
No annual fee
Keep your money where it belongs—for textbooks, coffee, and everyday expenses—without losing a dime to annual card fees.
Up to 15% campus cashback
Earn 1% cashback¹ everywhere, and up to 15% across 1,000’s of campus partners². Access your cashback in real-time whenever you want.
No income required
Qualify effortlessly while in school—no full-time job, minimum salary, or proof of income required.
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 student 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.
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
Included with $5K+ balance across your Neo accounts or $7.99/month (excl. Quebec)
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.