Neo Mastercard

VIBES DON’T BUILD CREDIT. GET REAL TOOLS.

Get instant access to credit and earn cashback on your everyday essentials with the Neo Mastercard.

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  • Guaranteed approval¹, no minimum credit score required

  • Cashback on gas & groceries² from day one

  • Credit limit increases in as little as 3 months

Annual fee

$0

Additional cardholder fee

$0

Purchase interest⁴

19.99% - 29.99%

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TOP NEO MASTERCARD BENEFITS

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Instant virtual card access

Start spending as soon as you're approved with your virtual card.

Schedule payments

Set up auto-pay so you never miss a monthly payment.

Cashback

Earn 1% cashback on groceries and gas², and up to 15%² at 10,000+ partners across Canada.

Financial insights

Get a live, personalized view of your spending to track in real time.

Canada's best secured card

If you're building credit, you may receive an offer for a secured Neo Mastercard.

Costco® exclusive

Mastercard is the exclusive credit card accepted at Costco warehouses across Canada.

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

    Never get surprised by unknown purchases with real-time notifications.

  • Advanced fraud monitoring

    AI keeps your personal data private while monitoring for unusual or unsafe activity.

  • Mastercard Zero Liability⁶ 

    Help protect your card from purchases you didn’t make. 

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EARN CASHBACK,
NO CREDIT SCORE REQUIRED

If you're starting out or rebuilding credit, every Neo credit card comes with a secured option, so you never have to sacrifice rewards to get there.

Guaranteed approval¹, regardless of your credit score. Set your limit with a refundable security fund⁷ and start building your credit score from day one.

Apply now
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Rated 4.8/5 on the app stores

1.3+ MILLION CANADIANS TRUST NEO

See how everyday effort turns into real progress.

“I’ve worked very hard to strengthen my credit history. Thank you Neo for giving me an opportunity to build.”

Ryan Haughian

"Awesome modern layout, quick and easy to use. Head and shoulders above the major Canadian banks. Love it so far after 3 years."

Alexander Scott

"It’s helped me rebuild my credit, and I am ecstatic about it!"

Eleanor Pye

Interested in more options?

Explore other cashback credit cards.

Neo World Mastercard®

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Annual fee

$0

Personal minimum income

$50,000/year

Household minimum income

$80,000/year

2%

Grocery⁸

2%

Gas⁸

2%

Recurring payments⁸

0.5%

Everything else⁸

A no annual fee card with world class cashback.

Get this card

Neo World Elite® Mastercard

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Annual fee

$125

Personal minimum income

$80,000/year

Household minimum income

$150,000/year

5%

Grocery⁹

4%

Gas⁹

3%

Recurring payments⁹

1%

Everything else⁹

A premium card with best-in-class cashback rates and comprehensive travel insurances.

Get this card

HAVE A QUESTION?

Here's some common questions about the Neo Mastercard.

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