Neo Cashback Credit Cards

Up to 5% back. You pick the category.

Three kinds of cashback cards for how you actually spend. Start getting up to 5% back, now. Guaranteed approval¹⁰, instant access and additional cashback at thousands of partners.

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Rated 4.8/5 on the app stores
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Pick your own cashback

Turn how you spend into how you earn. 2 Mastercard options — World and World Elite — and three varieties of cashback. Pick the one that pays and stop compromising.

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Shop & Dine

Earn up to 5% back on food & drink and 3% on shopping. Make every meal and mall trip count

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Gas & Grocery

Cashback on what you already buy every week. Up to 5% back, automatically.

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Everywhere

You can’t pin down where you spend and we won’t ask you to. Get up to 2% on every purchase.

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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.⁸

Guaranteed approval¹⁰, regardless of your credit score. Set your limit with a refundable security fund and start building your credit score from day one.

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Security you can depend on

Advanced safety technologies working together with one simple goal: Keeping you secure and protected.

  • Neo uses AI to monitor for unusual activity while keeping your personal data private.

  • Freeze your card, view and change your pin, and dispute transactions, all from your phone.

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

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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

With Neo’s secured card, I’m learning to build my credit responsibly. It’s helping me grow my confidence with credit.

Garry Murphy

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

Eleanor Pye

I’ve had a great experience using Neo, especially with their high-yield savings account. The app is extremely user-friendly and intuitive. I really appreciate the lack of withdrawal fees and the competitive interest rates, which make it easy to grow my savings.

Romina

Extremely easy to set up an account. Neo even pays interest for deposit transfers that are pending!

Dean

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