No credit score required
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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%
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
Get 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
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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
Included with $5K+ balance across your Neo accounts or $9.99/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.
Where to Get 10% Cashback
Select a store to view its address.
Booster Juice +
1001 Fanshawe College Boulevard, London, ON, N5Y 5R6
Carey's Bar & Grill +
1579 Oxford Street East, London, ON, N5V 2A2
Chartwells at Fanshawe College +
1001 Fanshawe College Boulevard, London, ON, N5Y 5R6
Cherry's Dessert & Cafe +
1001 Fanshawe College Boulevard, London, ON, N5V 2A2
Dollarama +
Oxford Street East, London, ON, N5Y 3L7
Fadi's Shawarma +
1579 Oxford Street East, London, ON, N5V 1W5
Fanshawe Campus Store +
1001 Fanshawe College Boulevard, London, ON, N5Y 5R6
Harvey's +
1186 Highbury Avenue North, London, ON, N5V 2E3
Marvelous 2 For 1 Pizza +
1573 Oxford Street East, London, ON, N5V 2A2
McDonald's +
Fanshawe Park Road East, London, ON, N5X 3W1
Mr Choco +
654 First Street, London, ON, N5V 1Z5
Out Back Shack +
1050 Fanshawe College Boulevard, London, ON, N5Y 5R6
Pizza Pizza +
1221 Highbury Avenue North, London, ON, N5V 2E3
Punjaabi Indian Cuisine +
1577 Oxford Street East, London, ON, N5V 2A2
Subway +
Godfrey Drive, London, ON, N5V 2E2
The Chef's Table +
1001 Fanshawe College Boulevard, London, ON, N5Y 5R6
Tim Hortons +
1761 Oxford Street East, London, ON, N5V 2Z6
Uncle Nick's Souvlaki +
1579 Oxford Street East, London, ON, N5V 2A2