Get more from your money

Spending, saving and credit built to make your effort count.

Neo Advance Activations Hero

  • Cards tailored to you: Pick the perfect cashback card for how you spend.

  • Grow your money faster: Earn up to 2.75% interest* with the Neo Savings account.

  • Upgrade your experience: Get a chequing account that gives you more.

  • Credit building: Options to help you build credit history, approval is guaranteed¹.

Get Started → I already have a Neo account

CHOOSE HOW YOU WANT TO EARN

Turn how you spend into how you earn cashback. Pick the card and cashback plan that fits you best.

Neo Shop & Dine

Shop & Dine

Get up to 5% back on dining and 3% on shopping². Turn every meal out and mall trip into instant cashback.

Get this card
Neo Gas & Groceries

Gas & Grocery

Earn up to 5% back on your daily essentials². Automatically get rewarded on the things you already buy every week.

Get this card
Neo Everywhere

Everywhere

Up to 2% back on every purchase². Uncomplicated rewards that follow you anywhere.

Get this card
Neo Credit Building

Credit Building

Get guaranteed approval¹ with zero credit history required. Build your credit history safely while earning cashback.

Get this card

Smarter accounts for your money

Pair your card with an account that keeps more of your money working.

Neo Savings

Neo Savings account

  • Earn up to 2.75% interest* on your savings
  • Access your money at anytime with no transaction fees 
  • Open up to 10 accounts to organize your money
Open an account →
Neo Chequing

Neo Chequing account

  • Earn cashback on everyday essentials 
  • Instant bill payments, free Interac e-Transfer®, and withdrawals from any ATM in Canada
  • Access to Neo Advance - up to $300 with 0% interest
Open an account →

Get up to $300 with Neo Advance

  • 0% Interest Cash Advance

    Get approved for up to $300 instantly through your Neo Chequing account. No interest, no hard credit checks.

  • Cover Everyday Spending

    Use it for bills, surprises, or when you outspend your Neo Money™ balance.

  • Credit Building

    Every repayment builds your credit history at both credit bureaus.

  • Included with Build Membership

    Unlock advance, premium credit tools, and free ATM access for $9.99/month. Cancel anytime.

Open an account →
Neo Advance Offer Phone

Canadians are already earning more with Neo

Rated 4.8/5 across 55K+ reviews on the App Store and Google Play.

“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 switched to Neo because my old bank gave me almost no rewards. Now I get cashback at coffee shops, groceries, and even my gym. The app is clean and easy to navigate. Love seeing my rewards in real-time!"

Jake Gilligan

HAVE A QUESTION?

Here’s some common questions about Neo Advance.