Do better than debit

Earn unlimited cashback at thousands of brands with a Neo Money™ card, the modern alternative to debit. Works with a Neo Money™ account.

Complete your application in 3 minutes.
Do better than debit
1%¹Everyday cashbackSave money on essentials with cashback on gas and groceries, no matter where you pay for them.
Up to 5%²Neo partner cashbackEarn cashback on delivery, ride share and streaming services, at restaurants, bars, cafes, and retailers.
Up to 15%²Welcome offersEarn up to 15% cashback² at thousands of Neo partners for first-time purchases. New offers added regularly.
Works with a Neo Money™ account
  • Safe, secure depositsDeposits are eligible for CDIC protection, and payments are protected by world-class security infrastructures.
  • Get notified in real-timeKnow what's happening with your money at all times. Get notified anytime money goes in or out of your account, freeze and unfreeze your card instantly.
  • Pay bills with easeAutomate your payments from your Neo Money™ account, and never worry about late payments again.
Works with a Neo Money™ account
Smarter than a debit card. The rewards of a credit card.
Start using instantlyThere's no need to wait for your physical card to arrive. Add your virtual card to Apple Wallet or Google Pay, and start spending as soon as you're approved.
Earn 2.25%⁴ on every dollarEarn 2.25%⁴ interest on every dollar deposited into your Neo Money™ account.
Track your spendingSee all your transactions broken down by spending category, track transfers and bill payments, and view your total cashback earned.
Customize your rewardsUpgrade your rewards with perks - flexible monthly subscriptions that boost your cashback and unlock extra benefits for your account.
Simplify your wallet
Simplify your walletDo better than a debit card, with free everyday transactions, no annual fees³, and ATM access wherever Mastercard® is accepted.

Get more with Premium

Unlock exclusive new features and boosted cashback today.

Base

The free plan that makes everyday spending more rewarding

Free
1% cashback on gas and groceries¹
Cashback at Neo partners
Powerful, simple money management tools
Get Base

Premium

Upgrade for more cashback + exclusive perks and features

$4.99
3% cashback on gas and groceries¹
Boosted cashback at Neo partners
All Base tools + exclusive new features
Get the first three months free

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¹ Based on the maximum $300 category spending per month. Cashback may be limited and varies by perks, offer, and partner. There may be monthly limits for boosted cashback offers. For more information visit the Neo App. Cashback is earned on eligible purchases at Neo Partners. See the Neo Rewards™ Policy for details on earning cashback and other terms and conditions that apply.² Average based on current offers at select partners. Cashback may be limited and varies by perks, offer, and partner.³ There are no transaction fees applicable to the Neo Money™ account. If you require a printed version of a monthly statement or other document, a $5 fee applies for each printed document.⁴ Interest is calculated daily on the total closing balance and paid monthly. Rates are per annum and subject to change without notice.Neo Money™ card and Neo Money™ account are not available for Quebec applicants.