Neo Mastercard®
Up to 15% cashback at thousands of Neo partners across Canada
See if you qualify first—no hard credit check, no impact to your credit score‡
Instant cashback that can be redeemed anytime
Annual fee
$0
Additional cardholder fee
$0
Purchase interest⁴
19.99% - 29.99%
Find the right Neo card for you with no hard credit check
You may have more options than you think. See what’s available to you first‡.
Start with your details
1
Even if you began on a specific Neo credit card page, the information you provide may show that other Neo credit cards are available to you.
Review your options
2
We’ll show you Neo credit cards you may be eligible for based on the details you provide. This is a pre-qualification step only—it is not an application and will not impact your credit score.
Choose and apply
3
Select the card that best suits you. A hard credit check and formal terms and conditions apply only if you choose to continue with an application.
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.
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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Interested in more options?
Explore other cashback credit cards.
Neo World Mastercard®
Annual fee
$0
Personal minimum income
$50,000/year
Household minimum income
$80,000/year
Grocery⁸
Gas⁸
Recurring payments⁸
Everything else
A no annual fee card with world class cashback.
Neo World Elite® Mastercard
Annual fee
$149
Personal minimum income
$80,000/year
Household minimum income
$150,000/year
Grocery⁹
Gas⁹
Recurring payments⁹
Everything else
A premium card with best-in-class cashback rates and comprehensive travel insurances.
HAVE A QUESTION?
Here's some common questions about the Neo Mastercard.